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.

Report On Stress Testing of Uttara Bank limited

Stress testing is a simulation technique, which are used to determine the reactions of different financial institutions under a set of exceptional, but plausible assumptions through a series of battery of tests. At institutional level, stress testing techniques provide a way to quantify the impact of changes in a number of risk factors on the assets and liabilities portfolio of the institution. These tests help the regulators to identify structural vulnerabilities and the overall risk exposure that could cause disruption of financial markets. Its prominence is on potential externalities and market failures. But one of the limitations of this technique is that stress tests do not account for the probability of occurrence of these exceptional events.There are three techniques of stress testing. These are: a) Simple Sensitivity Analysis, b) Scenario Analysis & c) Extreme Value/ Maximum Shock Scenario. Stress test shall be carried out assuming three different hypothetical scenarios. These are major, moderate & minor level of shocks.Uttara Bank is one of the largest and 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. 211 branches at home and 600 affiliates worldwide create efficient networking and reach capability. Uttara is a bank that serves both clients and country.

Internship Report on General Banking of Uttara Bank Limited

The necessity of general banking activities cannot be ignored in any ways because of its dependency in the banking sector. It provides the opportunity to its local clients and at the same time attractive services are ensured as per the customer needs, wants & demands with the changing environment and competition. The banking system in Bangladesh has passed three decades through different policy, environment and comprises central bank at the apex, nationalization commercial banks, private commercial banks, foreign commercial banks and specialized financial institutions.

Internship Report on Commercial Banking Operation and Services of Uttara Bank Limited

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.