Internship Report on Foreign Exchange Activities of Exim Bank Limited: A Study on Nawabpur Branch

This report is prepared on the basis of my three-month practical experience at EXIM Bank Limited, Nawabpur Branch. This internship program helps me to learn more about the practical situation of a financial institution. Banking system of Bangladesh has gone through three phases of development- Nationalization, Privatization, and Lastly Financial Sector Reform. Export Import Bank Of Bangladesh Limited has started its journey as a private commercial bank on August 3, 1999.The whole working process of EXIM Bank Limited, Nawabpur Branch is divided into 3 sections- (i) General Banking Section, (ii) Investment Section, and (iii) Foreign Exchange Section. This report has been presented based on my practical observation and experience gathered from the Branch and the focus is given on the Foreign Exchange Section.

An internship report on Credit Management of Uttara Bank Ltd.

Uttara Bank Ltd. is one of the largest and front ranking first generation, oldest private-sector commercial bank in Bangladesh, with years of experience. Adaptation of modern technology both in terms of equipment and banking practice ensures efficient service to clients. The Bank has been carrying out business through its 211 branches spreading all over the country. The management of the bank consists of a team led by senior bankers with vast experience in national and international markets. The bank has more than 600 foreign correspondents world wide.

As we know the credit department is allied with the definition of the banking. Through this department bank makes a bridge with the deficit sector of the economy. This department of the bank is most important as this unit ensures interest income- the key source of earnings of banks. The history of the banking industry points toward many banks, which have become penniless due to the mismanagement of the credit department. My study is on Credit Management of Uttara Bank Ltd.

The report starts with the introductory part, which contains the first element about organizational information of Uttara Bank followed by the second component, which describes the business of the organization.

The project part, the essence of the report, continues the second half of the report. It starts with the types of credit of UBL, and then comes the discussion of loan processing, which contains the discussion of how the bank manage its loan from very early of the loan application to the loan disbursement. The necessary documentation procedure and the required documents that are needed to allot a loan are narrated here. Loan and advance is not free from the restrictions, the restrictions of loan and advance is discussed here in this part also.

The analysis proposal of loan and advance comes next. In this part, it is narrated that before taking decision of loan disbursement the bank needs to prepare Credit Information Bureau (CIB) report to analysis of the project feasibility from which the bank is going to allot the loan amount. How the credit officers analyze Credit Risk and Borrower Rating is focused here in this section of the report. The management of the loan actually starts after the sanctioning of the loan, because the efficiency of the credit manager is laid in fast recovery of the disbursed loan amount.

An Internship Report On “Letter Of Credit Opening, Lodgment and Retirement Procedures and Performance of Prime Bank Limited"

From the inception of the civilization the banking sector has been dominating the economic development of a country by mobilizing the saving from the general people and channeling those saving for investment and thus economic development and growth. To satisfy the demand as well as to improve the commercial banking service in our country, Prime Bank Limited, a scheduled bank was incorporate to initiate its operation with the aim to play the vital role on the socio economic development of the country.

At present Prime Bank Ltd (PBL) is one of the leading private sector banks in our country in terms of quality services to the customers & value addition for the shareholders. Financial Soundness of any financial institution is the prime concern for its survival in the competitive & changing business environment. This is more important in case of the banking institutions. Prime Bank Limited is a fast growing bank and several times it occupies the first position in CAMEL rating.

I was assigned to PBL, SBC Tower Branch. I have studied "Import Section of Foreign Exchange Department''. While preparing this report I have tried to reveal the insight of the import banking services of the bank. Simultaneously efforts have been made to provide an in-depth analysis on L/C opening, lodgment, retirement procedure and performance of PBL. Finally some recommendations and suggestions were also prescribed based on observations and findings.

INTERNSHIP REPORT ON Customer Satisfaction of Exim Bank

 

This report is prepared on the basis of my practical experience at EXIM Bank Bangladesh Limited. (Elephant Road Branch). The internship program helps me to learn more about the practical situation of a financial institution. Exim Bank is a newly formed bank in Bangladesh. which started its operation as a conventional banking, later it convert its operation from conventional to Shariah based banking for the sake of customers demand. Though exim bank is a third generation bank incorporated in 2nd June ,1999, it work as a professional way. exim bank does the normal tasks of any other financial institution such as : Account opening, provide advance, act as a advising and negotiating bank. For all of the tasks three separate department( Customer Satisfaction, Customer Service, Product and advance) are responsible. But Customer Service is crucial one. because it deals with customers spontaneously. So the person employed in banking System are very much friendly with the customers. Exim bank does not use full on- line banking for that reason it face difficulty to provide on-line services to the customers.

Most of the Export Import bank get through Customer Satisfaction operations, . Banking operations start with A/c opening. That means if any want to maintain a relation with bank, at first he/she must open an account whether it is SB, CD ,or any other A/C. When a person want to open a bank account he has to provide some document to the bank as per requirement of different A/C. After opening a bank A/C a person can involve in any other department of the bank. So, in that report at first I focused on the account opening section, than remittances, cash, deposit and clearance section. All of the sections have to work with each other.

Internship Report on Core Risk Management Practices of Sonali Bank Limited

An internship program is very important & essential for acquiring experience through learning and spreading the scope of Knowledge. I have done my internship program in Sonali Bank Campus Corporate Branch, Dhaka.

This internship Report is aimed at providing a comprehensive picture to the areas of core risk management of Sonali Bank. The Report has been divided in to five parts. These are: 1) Introduction, 2) An Overview of Sonali Bank, 3) Asset Liability Management, 4) Credit Risk Management, 5) Foreign Exchange Risk Management 6) Money Laundering Risk Management 7) Internal Control and Compliance 8)Findings, Recommendation, Conclusion and References.

Sonali Bank is the largest commercial Bank of Bangladesh. The Bank is fully owned by the government of the People’s Republic of Bangladesh. The main objective of the Bank is to provide all of banking services at the doorsteps of the people. The Bank also participates in various Social and Development programs and also takes part in implementation of various policies and promises made by the Government.

Internship Report Market Study on Customer Satisfaction Level of Berger Paints Bangladesh Limited

The Company was incorporated on 6 June 1973 as a Private co. limited by shares registered under the Companies act. Subsequently the co. converted to Public co. limited by shares vide extra Ordinary General Meeting held on 21 June 2005 and is listed both in Dhaka and Chittagong Stock Exchanges of Bangladesh. My internship at Berger paints Bangladesh Limited started on September 25th, 2012 and it ended on December, 2012. During these 3 months I was assigned at Mohakali sales office. My sole responsibility was to explore the market share and to know the innate thought of customer to retain or attract the new customers. This practical orientation is necessary for the development and preparation of a person in the job world. The things that I have learned at BPBL:

Ø Meaning of responsibility.

Ø Necessity of commitment.

Ø Punctuality and regularity is very important.

Ø Ability to interact with different corporate people.

Internship Report on General Banking Activities of NCC Bank Limited

This report highlights the Historic progress of Overall Banking System with wide range of banking and financial activities as well as products and services offered by NCC Bank Limited to its customers in order to maintain quality of service.

Overall Banking System can be divided into three categories. These are General banking activities, Credit or loan advance activities and foreign exchange activities. General banking does the most important and basic works. It also plays a vital role in deposit mobilization. The efficiency of the general banking activity reflects the whole service given by that bank. Credit division is the heart of the banking system as in NCC which is responsible for allowing all the credit facilities given to the potential customers. Lease financing, Micro credit, and cash credit are the most given credits of this bank which plays an important role in expanding lending base and in increasing income. 5Foreign exchange activities is one of the important and major sources of income of the bank, which gives proper care to serve the importers and exporters of various goods with officers having expertise in the field.

Internship Report on Human Resource Management Practices at Eastern Bank Limited

The study of this report is focused on how the Human Resource Management (HRM) Practices at Eastern Bank Limited are carried out. Eastern Bank Limited (EBL), one of the most prominent banks of Bangladesh, commenced its journey in 1992 as the successor of former Bank of Credit and Commerce International (BCCI). EBL’s vision is to be the ‘Bank of Choice’ in Bangladesh. In achieving this vision, EBL realizes the importance of taking due care of all the constituents, particularly the shareholders, customers and workforce. The most carefully formulated plans, the most logical organizational structure, the most sophisticated marketing programs, and the most advanced computer systems will not, of themselves assure an organization success. Plans, structures, programs and systems are not self actuating, they can only be implemented, maintained and realized through people. Its people – the most crucial resources – who serve as the catalyst, the activating and energizing force, making possible the utilization of all other resources and enabling an organization to achieve its goals.

Internship report on Effectiveness of communication tools in creating brand awareness

A case study of The Farmers Bank Limited (Motijheel Branch)

The Farmers Bank Limited (FBL) is one of the newest banks in the private sector. It has commenced its commercial operations from mid-2013.

However the competition in the banking industry has intensified more than ever before .Global financial crisis, stock market crash, recessions and other factors affected the banking industry. So banks should position themselves at a unique place in the minds of the customers by offering attractive offers such as higher interest rates or by offering superior service and also to use the marketing communication tools effectively so that the customer can memorize something about the product and come to the bank to perceive their desired product, because without creating the brand awareness by using the tools the customer cannot get the information regarding the products performance and obviously we have to provide good customer services include financial advice, flexible rates or dates of payment, portfolio management etc.

Internship Report On Foreign Exchange Management of Janata Bank Limited

Janata Bank Ltd is a govt. owned bank with numerous branches spreading all over Bangladesh. It is committed to provide high quality financial services / products to contribute to the growth of G.D.P. of the country through stimulating trade & commerce, accelerating the pace of industrialization, boosting up export, creating employment opportunity for the educated youth, raising standard of living of limited income group and overall sustainable socio-economic development of the country. It collects remittances from NRB from different countries and transfers the currency in BDT to the destined location.

Internship Report on Financial Performance of First Security Islami Bank Limited

The commercial banks (CBs) have been playing a vital role in the economy of Bangladesh. Amongst the financial institutions, commercial banks constitute the heart of the financial structure since they have the ability to add the money supply and thus create additional purchasing power.

The banking sector is considered to be an important source of financing for most businesses. Banks take deposits from savers, paying interest on some of these accounts. They pass these funds on to borrowers, receiving interest on the loans. Their profits are derived from the spread between the rate they pay for funds and the rate they receive from borrowers. This ability to pool deposits from many sources that can be lent to many different borrowers creates the flow of funds inherent in the banking system.

Internship Report on Operational Activities of Grameen Phone Ltd

This report is based on job experience of three months at Grameenphone Ltd. the leading telecommunication network provider in Bangladesh. The report is divided into two parts- the organization part and the project part. The organization part discusses the mission, purpose, organization structure and the basic business activities of Grameenphone. Grameenphone started their business approximately 8 years back. In the project I try to highlight the importance of telecommunication business through proper customer satisfaction and telemarketing to improve customer involvement with Grameenphone. So to increase telemarketing in this business GP can use MIS for its continuous improvement of service and retention of customer satisfaction.

Internship Report On Small and Medium Enterprise Financing of Uttara Bank Limited

In recent days the Small and Medium Enterprise (SME) Financing has become an important area for Commercial Banks in Bangladesh. Uttara Bank-one of the largest and oldest private-sector commercial bank in Bangladesh, with the better experience. 216 branches at home and 600 affiliates worldwide create efficient networking and reach capability. It is most important to mention that, though it is the largest private bank in the Bangladesh but they doing their job totally manually. Historically, Bangladesh followed a development strategy in which private investment was controlled through a host of regulations involving investment sanctioning, credit disbursement, import licensing, foreign exchange allocation, etc. While these regulatory barriers thwarted private investment in general, the impact fell unevenly on SMEs. In the year 2005 the GDP growth in our country was registered at 6.9 per cent. The largest growth came from industrial sector, which is 8.5 per cent. The large-medium and small-scale industry grew by 8.7 per cent and 7.9 percent respectively. Uttara Bank Limited has offer a broad array of innovative financial services to match the specific requirement of the client ranging from large corporate houses, Small and Medium Enterprises (SME) to private individuals. As credit application requires availability adequate information, most of the SMEs do not have adequate information. They do not maintain their financial statement appropriately of the business; even they do not feel the necessity of doing so. That’s why Banks are not getting appropriate information regarding their business and themselves as well. Bangladesh has 47 banks and 29 non-bank financial institutions. As of June, the outstanding SME loans stood at Tk 360,564 crore, which is 20.12 percent of the total loans and advances.

Financial statement analysis and valuation of national tubes limited

The project on Financial Statements Analysis and Valuation has been a very good experience. Every investor whether individual or organization have conducted Financial Statements Analysis and Valuation in their investment and managerial decisions. An individual or organization investor’s expected return can be earned by conducting Financial Statements Analysis and Valuation efficiently.

This project is a sincere effort to study and analyze the Financial Statements Analysis and Valuation of National Tubes Ltd. The project focused on making a financial overview of the company by conducting Financial Statements Analysis and Valuation analysis of National Tubes Ltd for the 2008 to 2012 and & various other industry and macroeconomic analysis correlated with the analysis.

Internship Report on HRM Practices in Janata Bank

This report is prepared as a requirement of the Internship of MBA program of the Department of Management Studies, Faculty of Business Studies, University of Dhaka. This report focuses three months working experience in Janata Bank. This report will give a clear idea about the Human Resources Practices in Janata Bank.

The total report can be divided into five broad head. The introduction part includes background, objectives, methodology of the study. This part also includes the limitation of the study. In second part, I have discussed about the overall idea of Janata Bank where I have assigned to make internship report.

In the third part, I have discussed about the human resources practices in Janata Bank such as recruitment and selection, training and development, performance appraisal system, promotional policy, compensation, and disciplinary action.
In the fourth part, I have tried to analysis the report and finally, recommendations and conclusion in the fifth part.

In order to conduct the report, I have decided to collect various types of primary and secondary data. Data were also collected by oral interviewing the responsible officers. They also gave me annual report and other documents. In order to make the study effective and efficient, following two sources of data and information have been used widely.

Generally recruitment is the process of generating a pool of candidates for particular job. Janata Bank is used advertisement in the media, notice board, educational institution recommendation, professional association etc as the sources of recruitment. Janata Bank is mainly preferred advertisement in the media sources such as the daily Newspapers. The candidates should be Bangladeshi citizen, minimum 18 years of old and physically fit for the job.

Appointment to the posts of officers and other employees shall be made by direct recruitment or by promotion. Besides these, there are following important recruitment principles of Janata Bank:

a)      Recruiting qualified personnel

b)      Not be influenced by other opportunities

c)      Equal employment opportunities

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Internship Report On Ain O Salish Kendra (Ask) And its Role On Promoting Human Rights In Bangladesh

The Internship report titled “Ain O Salish Kendra (ASK) and its role on promoting human rights in Bangladesh” has been prepared as a part of MSS program of University of Dhaka. In this internship report I give overall concepts about the role of Ain O Salish Kendra (ASK) and its role on promoting human rights in Bangladesh which has undoubtedly put fresh impetus to my understanding of the role of institutions in promoting human rights, child rights,rural development, poverty alleviation and women empowerment.

Internship Report on Measuring Customer Satisfaction of Agrani Bank Ltd- A Study on Shyamoli Branch

This internship report is prepared on the basis of four years long theoretical knowledge and one and 2 months long practical experience at the Shayamoli Branch of Agrani Bank Ltd (ABL). This internship program and preparation of this report helped me a lot to learn about the practical environment and situation of a financial institution and also make up a bridge between the theoretical and practical aspects.

Internship report on Evaluation of Service Marketing of Apollo Hospitals Dhaka

In today’s World “Hospitalization” is the most emerging sector. It is the most growing sector than any other industry. It is an era that reflects medical and health care technological development as well as Economical Strength.

Bangladesh is a developing country of South Asia. It is continually trying to improve its economic condition with the help of its trade & commerce to keep pace with the world’s trend. For this, the role of Hospital Industry Sector is very important.

Internship report on Credit Management System of Bank Asia Limited

The new millennium is characterized by competition in all areas of business including banking business. A bank must innovate and evolve to be a leader with a unified goal of greater customer outreach and satisfaction.

Bank Asia Limited is one of the few banks permitted by the Bangladesh bank in the late 90s. In the beginning of 2001 Bank Asia acquired the operations of the Bank of Nova Scotia in Bangladesh. In September 2001 a Memorandum of Understanding was signed with the Muslim Commercial Bank Limited (MCB) of Pakistan to take over their operations in Bangladesh. Eventually MCB’s operation ware taken over through acquisition with effect from January 1, 2010. These events are mile stone in the forward march of the bank, first of their kind in Bangladesh and have added new dimensions to the banking industry in the country. The acquisitions have provided wider access to Bank Asia regionally and internationally and helped the Bank to expand its clientele.

Report on Prospect of Handicraft Industry in Bangladesh

Handicraft business is related to the accumulation of handmade product from over the country and to sell them in retail shops or to export in other countries. People have a great passion for this type of product because it contains flavor of culture and it has a variety of design. As an intern of MBA program I was assigned to make a study on the handicraft industry. As a result I decided to make a study on the overall aspect of this industry of Bangladesh to understand the prospect of Handicraft industry in Bangladesh. So the topic of this report is “Prospect of Handicraft Industry in Bangladesh”. The report was discussed with different dimensions like: the current scenario of Handicraft products, the current export countries or market, the current impediment of export, creation of self employment for the mass population, solutions to remove the existing problems, the ways of increasing export, the contribution level in the national economy, the required Government incentives to Handicraft export.