an internship report-exim bank

8/21/2019 An Internship Report-exim Bank

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AN INTERNSHIP REPORT

ON

STRATEGIES & PROCEDURES OF FUND COLLECTION

AND ITS PERFORMANCE ANALYSIS: A STUDY ON

EXIM BANK BANGLADESH LIMITED, KHULNA BRANCH

.

The Report ! S"#$tte% ! Prt' F"'(''$e)t o( the

Re*"re$e)t o( B+he'or o( B"!)e!! A%$)!trto)

SABYASACHI BOSUID NO: BBA-.-/.-012

DEPARTMENT OF BUSINESS ADMINISTRATIONNORTHERN UNI3ERSITY BANGLADESH

4ANUARY /1, 0-/-


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AN INTERNSHIP REPORT

ON

STRATEGIES & PROCEDURES OF FUND COLLECTION

AND ITS PERFORMANCE ANALYSIS: A STUDY ON EXIM

BANK BANGLADESH LIMITED, KHULNA BRANCH

The Report ! S"#$tte% ! Prt' F"'(''$e)t o( the

Re*"re$e)t o( B+he'or o( B"!)e!! A%$)!trto)

SUBMITTED BY:

S#5!+h Bo!"

ID NOBBA-.-/.-012

Department of Business Administration

Northern University Bangladesh

UNDER THE SUPER3ISION OF:

M%6 Fr"7 Ho!!)

Le+t"rer ) F))+e



DEPARTMENT OF BUSINESS ADMINISTRATION

NORTHERN UNI3ERSITY BANGLADESH4ANUARY, 0-/-


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Letter o( Tr)!$tt'

January, 2010

Prof. AB. !asidu""aman#n$%harge,Department of Business Administration,Northern University Bangladesh,

&hulna 'ampus.

(u)*e%t+ (u)mission of #nternship !eport on$ (trategies - Pro%edures of und'olle%tion AND #/( Performan%e Analysis+ A (tudy on # Ban Bangladesh 3imited,&hulna Bran%h4

Dear (ir,

# am su)mitting my internship report on (trategies - Pro%edures of und 'olle%tion

AND #/( Performan%e Analysis+ A (tudy on # Ban Bangladesh 3imited, &hulna

Bran%h4. # have %omposed as mu%h in se5uen%e as possi)le from the areting Poli%ies

of # Ban Bangladesh 3imited. /hree months 6oring in # Ban Bangladesh

3imited &hulna Bra%h 6as a sensi)le no6ledge for me as it 6as in su%h an apparent

organi"ation in Bangladesh.

# assume that this internship program has enhan%ed )oth my no6ledge - e7perien%ed

a)out mareting poli%ies of private )an. But you have supplementary 5ueries on the

topi% of this report, please let me identify.

/haning you for your valua)le advi%e and %ooperation.

8ours truthfully,

$$$$$$$$$$$$$$$$$$$$$$$$$$

8S#5!+h Bo!"9#D No$ BBA 0901902:;


Northern University Bangladesh.


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Letter o( De+'rto)

# de%lare that the thesis entitled (trategies - Pro%edures of und 'olle%tion AND #/(

Performan%e Analysis + A (tudy on # Ban Bangladesh 3imited, &hulna Bran%h4

m)odies the results of my o6n resear%h 6ors persuade under the supervisor of

M%6Fr"7 Ho!!), 3e%turer in inan%e, Dept of Business administration, Northern

University Bangladesh.

# further affirm that the 6or reported in this thesis is original and is no part or 6holeof the thesis has )een su)mitted to any other university < institute for any degree or

any other purpose.

$$$$$$$$$$$$$$$$$$$$$$$$$$8S#5!+h Bo!"9#D No$ BBA 0901902:;Department of Business AdministrationNorthern University Bangladesh


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Cert(+te

# have the pleasure to %ertify that the resear%h report entitled (trategies - Pro%eduresof und 'olle%tion AND #/( Performan%e Analysis + A (tudy on # Ban Bangladesh

3imited, &hulna Bran%h4 )y (a)yasa%hi Bosu #D N=$BBA0901902:;, (tudent,

Department of Business Administration, Northern University Bangladesh, &hulna

'ampus, is the %andidate>s o6n a%hievement and is not a %on*oint 6or.

# also %ertify that # have gone through the draft #nternship thoroughly, and found it

satisfa%tory for su)mission to the Department of Business Administration in fulfillment

of the re5uirements for the Degree of aster of Business Administration in areting.

S"per!or6

$$$$$$$$$$$$$$$$$$$$$$$$$$

8M%6 Fr"7 Ho!!)93e%turer in inan%eDepartment of Business AdministrationNorthern University Bangladesh&hulna 'ampus


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A+7)o;'e%


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in every stage of the report )y providing valua)le information and suggestion in

respe%t of preparing this report.

$$$$$$$$$$$$$$$$$$$$$$$$$$

8S#5!+h Bo!"9#D No$ BBA 0901902:;


E=e+"te S"$$r5

/he main aim of this report is to find out the (trategies and Pro%edures of unds

'olle%tion of # Ban Bangladesh 3imited. rom this analysis, # find out the various

sour%es of funds %olle%tion and analysis the performan%e, 6hi%h is done from the

onthly /ransa%tion Posting (ummary !eport and Daily /ransa%tion Affairs issued )y


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# Ban 3imited Bangladesh from the January 10, 200; to De%em)er 0, 200;,

6hi%h 6as the main sour%e of information.

# Ban Bangladesh 3imited has the %ommitment to effi%ient )an>s operations. /his

)an )elieves in it is un%ompromising to fulfill its %ustomer needs and satisfa%tion and

to )e%ome their first %hoi%e in )aning. # Ban Bangladesh 3imited intends to pave

the 6ay for a ne6 era in )aning.

#n my report, # have fo%used the performan%e of # Ban Bangladesh 3imited and

ho6 they %an run their operations smoothly. y study is all a)out to sho6 and prove

the adopted strategies and pro%edures of unds 'olle%tion. /he o)*e%tive of my study

is to no6 a)out ho6 # Ban designs their strategies and pro%edures to ma7imi"e

their funds )y performing their daily general a%tivities as 6ell as the %ommunity so%ial

responsi)ility. A%tually Ban %an generate its earning through transa%tion is very dire%t

6ay. (in%e ris is involved in dis)ursement transa%tion, Ban al6ays tries to minimi"e

its ris through maintaining the different types of )ills and do%uments.

y studies )a%ground is )ased the materials %olle%ted from onthly /ransa%tion

Posting (ummary !eport and Daily /ransa%tion Affairs. /o analysis, these reports of

funds %olle%tion # have %olle%ted information a)out A%%ounts =pening and Deposits

Department, 3o%al !emittan%e Department, 'learing Department, oreign !emittan%e

Department, oreign 7%hange 7port - #mportC Department. #n %hapter three, #

%olle%t ne%essary information of various sour%es of funds %olle%tion of # Ban

Bangladesh 3imited, &hulna )ran%h. #n this %hapter, # have %ompared num)er of

deposits from July 200; to De%em)er 200; through several graphi%al %harts. #n my

findings se%tion, # have %ited )oth positive and negative la%ing of # Ban as 6ell

as # have also mentioned government indifferen%e and natural disorder 6hi%h has

%reated indire%t pressure on e%onomi% stru%ture of &hulna region. # have given my )est

effort to over%ome all of our limitations and tried a lot to mae our tas su%%essful.


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T#'e o( Co)te)t!

Co)te)t! P


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CHAPTERTHREE: Strte0

(trategies - Pro%edures of unds 'olle%tion of a Ban 21$2E

.1 (trategies of unds 'olle%tion of # Ban 2E$2G

.2 Pro%edures 2G$E2

CHAPTERFOUR: FINDINGS & ANALYSIS >@1

E.1 indings E$E:

E.1.1 Positive Dire%tions E

E.1.2 Negative Dire%tions E$EE

E.1. ?overnment #ndifferen%e EE$E:

E.1.E Natural Disasters E:

E.2 Analysis E:$:G

E.2.1 # Ban Performan%e E:$:F

E.2.2 ?overnment Deprivation :F$:G

CHAPTERFI3E: RECOMMENDATIONS & CONCLUSIONS 12./

:.1 !e%ommendations to %ompany :;$90

:.2 !e%ommendations to government 90$91

:. 'on%lusions 91B#'o


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L!t o( T#'e!

T#'e! P


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L!t o( F


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CHAPTER ONE

INTRODUCTION

/6/ B+7s most underdeveloped e%onomi%s.=ne of the reasons may )e its underdeveloped Baning system. odern Baningsystem plays a vital role for a nation>s e%onomi% development. =ver the last fe6 yearsthe Baning 6orld has )een undergoing a lot of %hange due to deregulation,

te%hnologi%al innovations, glo)ali"ation et%. /hese %hanges also made revolutionary%hanges of a %ountry>s e%onomy. Present 6orld is %hanging rapidly to fa%e the

%hallenge of %ompetitive free maret e%onomy. #t is 6ell re%ogni"ed that there is anurgent need for )etter$5ualified management and )etter$trained staff in the dynami%

glo)al finan%ial maret. Bangladesh is no e7%epting of this trend. Baning se%tor inBangladesh is fa%ing %hallenges from different angles though its prospe%t is )right inthe future. oney and Baning is the %enter around 6hi%h all$e%onomi% s%ien%e%lusters. /herefore, this report is %arried on to find out the pro)lems fa%ed )y #Ban and re%ommend some measures to over%ome these pro)lems for e%onomi%development of Bangladesh.

#nternship program is a pra%ti%al re5uirement of BBA degree. # 6as for doing myinternship in 7port #mport Ban Bangladesh 3imited # BanC for the period of ;0

days starting from =%to)er 01 to De%em)er 1, 200;. During my internship period inthe # Ban &hulna Bran%hC, # have 6ored under some department of the Ban. #

6or under the supervision d. aru @ossain and operation manager for his assistantand guidan%e in %ompleting this report.

/60 Or


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/his report has )een prepared through e7tensive dis%ussion 6ith )an employees and6ith the %lients. Hhile preparing this report, # had a great opportunity to have an in

depth no6ledge of all the )aning a%tivities pra%ti%ed )y the # Ban limited. #talso helped me to a%5uire a fast hand perspe%tive of a leading private )an in

Bangladesh.

/61 O#e+te! o( the Report

/he primary o)*e%tive of the study is to meet the partial re5uirements for the

fulfillment of BBA program. /he %ore o)*e%tives of the study are as follo6s+

/o analy"e the strategies and pro%edures of fund %olle%tion that has taen )y

the )an.

/o analy"e the num)er of deposit of # Ban 3imited.

/o identify some typi%al pro)lem fa%ed )y # Ban.

/o suggest some measures to6ards over%oming the identified pro)lem.

/o get no6ledge over day$to$day operation of the Ban.

/o give some re%ommendation for the development of # Ban 3imited.

/6. Metho%o'o


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!elevant file study as provided )y the offi%ers %on%erned.

/he (e%ondary (our%es> are as follo6s+ $

Annual report 200GC of # Ban 3td.

Periodi%als Pu)lished )y Bangladesh Ban.

Different pu)li%ations regarding Baning fun%tions, foreign e7%hange operation

and %redit poli%ies.

#nternet 6as also used as a theoreti%al sour%e of information

/6.60 A)'5!! o( Dt

# have %olle%ted the data of num)er of ea%h deposits and finan%ial transa%tions fromJanuary 200; to De%em)er 200;. @ere # have used some ta)les, figures and %olumn%harts to analy"e this data. y su)*e%ts *udgments have )een used here for analy"ing

the data.

/6 P')! (or Pre!e)tto)

/he report is divided into five parts. 'hapter one %ontains #ntrodu%tion>. 'hapter t6o%ontains An =vervie6 =f # Ban>, 6hi%h in%ludes history of # Ban, itsmanagement and fun%tions. 'hapter three des%ri)es (trategies - Pro%edures of und

'olle%tion of a BanI A (tudy on # Ban Bangladesh 3imited, &hulna Bran%h>.'hapter four, %omprises 6ith indings and Analysis> 'hapter five, %ontains

!e%ommendations and 'on%lusion>.

/6 L$tto)! o( the Report

/o prepare a report on the a%hieved pra%ti%al e7perien%e in a short only three monthsC

is not an easy tas. #n preparing this report, some pro)lems and limitation haveen%ountered 6hi%h are as follo6s+

a. =ne of the ma*or limitations is the shortage of internship period. (in%e three

month is not enough to no6 everything of a Ban, so this report does not

%ontain all the area of # Ban 3td.

). # Ban is not fully %omputeri"ed and it use postal %ourier servi%e to deliver

their offi%ial do%uments from here and there. #t is a time %onsuming matter

also.

%. /he main %onstrain of the study 6as insuffi%ien%y of information, 6hi%h 6as

re5uired for the study. /here are various information the )an employee %annot

provide due to se%urity and other %orporate o)ligations.

d. Be%ause of the limitations of various sour%es of information, the report does not

%ontain many important information and data. All s%heduled %ommer%ial )an


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regulated )y the instru%tion do %entral )an. ost of the instru%tions are

%onfidential to the %ommer%ial )an. (o, # 6as in%apa)le to provide valua)le

information.

e. As a ne6 )ran%h all inds of information regarding funds ma7imi"ation is

unavaila)le here.

f. Due to time limitation, many of the aspe%ts %ould not )e dis%ussed in the

present report.

g. (in%e the )an personnel 6ere very )usy, they %ould not provide enough time.

h. 3a% of opportunity to visit more than one )ran%h.

i. 3a% of no6ledge a)out Baning and finan%ial related terminologies.


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CHAPTER T?O

AN O3ER3IE? OF EXIM BANK LTD

06/6 B+7


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%ountry. #n addition, another ; nineC )ran%hes 6ill )e esta)lished very soon. /otal

num)er of manpo6er 6ored in )an is 1E0. /he authori"ed %apital and paid up

%apital of the )an are /. :00.00 million and /. 29FF.G0 million respe%tively.

060 M


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/his is a %ivil supervisiory aspe%t that shapes the Ban>s mail feature. #t>s e7isten%e is

part of the (hariah supervisation Pro%udures. =ne of its main tas is to %he% the

shariah %omplian%y in the Ban>s transa%tional pro%edures in a%%ordan%e to the at6as

issused in the regard, under the guiden%e of the (hariah (upervisor. /he (hariah

auditor is assinged the tas of revising the Ban>s transa%tional pro%uders throughtout

the year to %he% e7tent to 6hi%h the staff mem)ers and the different departments

have a)ided regulations, advi%e and at6ass issued )y the at6a - (hariah

(upervision Board, forums - )aning %onferen%es. As 6ell as, assuring that all the

states a right for the Ban or an o)ligation on the Ban is %ertified )y the at6a -

(hariah (upervision Board.

oreover, the (haria Auditing su)mits periodi% reports to the (haria (upervisor in

order to )e proposed to the at6a - (haria (upervision Board to state 6hat it finds

appropriate in that regard.

061 EXIM B)7 LTD6: At A G')+e

Name 7port #mport Ban of Bangladesh 3imited

3egal orm A (hariah Based #slami% Ban

Nt"re o( B"!)e!! Shh B!e% Co$$er+' B)7)9

06/.6> I)e!t$e)tF))+' Pro%"+t

a. 'orporate inan%e

). #ndustrial inan%e

c. Pro*e%t inan%e

d. (yndi%ate #nvestment

e. ode of #nvestment

ura)aha

Bai ua""al

#"ara Bil Baia

Ha"irat Bil Haala

Ouard

3o%al Do%umentary Bill Pur%hased

oreign Do%umentary Bill Pur%hase

06/.61 LC 8I$port & E=port9 Pro%"+t!

# Ban is posed to e7tend 3


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By the gra%e of Almighty, # Ban 3td has started %ommer%ial operation of fully

(hariah )ased #(A #slami% 'ard 3o%al, #nternational - Dual 'urren%yC under the

prin%iple of Bai ura)aha. /his is the first #slami% ele%troni% produ%t for any #slami%

)an in Bangladesh.

/he main features of the %ard are$

3o6est profit rate in the %ard maret

(imple profit rate

No hidden %harge

Dual %urren%y fa%ility and

#nstant %ard message servi%e in mo)ile

06/.6 E=port )% I$port Tr%e H)%')< )% F))+)s transa%tional

pro%edures, - assuring it>s (haria %omplian%y. /his Board %onsists of the follo6ing

mem)ers headed )y its 'hairman./he offi%ers and e7e%utives of the )an motivated

the valued %ustomers )y %ounseling and persuasion in light 6ith the spirit of #slam

espe%ially for the non$uslim %ustomers.

16 ?or%! o( $o"th +o$$")+to)

As an #slami% )an, # )an has positive nation6ide reputation. #t is not only a )an

)ut also it is the relia)le trusty partner of %ustomers. Naturally, most of the %ustomers

of # )an in &hulna )ran%h have %ome into the )an through their e7isten%e

%ustomers.

.6 C"!to$er Cre

# )an has al6ays )eliefs that (erve 'ustomer>s irst4. /he inanimate

environment of &hulna )ran%h is very %harming and 6ell de%orated. Besides the

offi%ers and e7e%utives of this )ran%h are very mu%h %ooperative. /he al6ays try to

serve the %ustomers as soon as possi)le and they treat the %ustomers as their family

mem)ers at their first introdu%e. As a result, %ustomers are over6helmed )y their

)ehavior and in%rease their transa%tion in this )an.


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6 I)tro%"+)< F+'te!

# )an has provided a%%ounts introdu%ing fa%ilities to its %lients to avoid their

va%illation. #n other )ans %ustomers fa%e diffi%ulties to arrange an introdu%er for

introdu%ing their a%%ount. /o remove their va%illation # )an has introdu%ed the

ne6 a%%ounts )y the employees or their e7isting a%%ount holders.

6 Spe+' po'+5 to $)


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a%ademi% e7penses, food, a%%ommodation, et%. /he quardis dis)ursed to the sele%ted

students in monthly installments till their a%%omplishing the master degree. Under this

programmed the students are re5uired to repay the amount only the prin%ipal

amountC in long$term monthly installments after they have *oined a %onfirmed *o)

a%%omplishing their edu%ation properly. By 1 De%em)er 200G, /. 1;.F million 6as

san%tioned to tae %are of around 1G poor and meritorious students from a num)er of

reputed edu%ational institutions lie Dhaa University, 'hittagong University, &hulna

University, Dhaa edi%al 'ollege, &hulna edi%al 'ollege, BU/, &U/, Bangladesh

Agri%ultural University, (hah*alal University of (%ien%e and /e%hnology et%.

+9 He'p)< peop'e ((e+te% #5 )t"r' +'$te!

Another vital area 6e are dealing 6ith as part of our '(! a%tivities is helping people

survive natural %alamities. Under this 6elfare programmed, # Ban provides reliefin %ash and ind for flood, fire or %y%lone vi%tims and %old$stri%en people. After the

period of (ydor4 - Aila4 # Ban has provided e7treme help to the affe%ted

vi%tims. /he aim of these '(! a%tivities is to help the target group over%ome their

provisional handi%ap and %ontri)ute to the so%io$e%onomi% gro6th as soon as possi)le.

%9 He'p)< peop'e ) !'"$ re!

Besides natural %alamities, fire )reas out sometimes in slum areas that guts the

shanties and renders the affe%ted people very helpless. #n that situation, 6e help the

vi%tims fight against the hard days and return to normal life.

e9 Do)to) to e%"+to)' )!tt"to)! to !et"p +o$p"ter '#

He have donated to Dhaa University and 'hittagong University to set up t6o

%omputer la)s that help the students of those universities a%5uire #'/ no6ledge. /his

6ill %ertainly help the students to )e ready to tae the %hallenges of this information

so%iety.

(9 He'th+re !er+e

A : storied )uilding having 10,000 sft floor spa%e at GE0 &a"i Para, !oeya (arani,

irpur, Dhaa$1219 has )een hired to set up 7im Ban @ospital. /he de%oration of

this hospital is going on in full s6ing. A do%tor has )een re%ruited 6ho is 6oring as a

resident dire%tor of the hospital. =ther do%tors and hospital staffs have )een in the

pro%ess of sele%tion through re%ruitment noti%e already pu)lished in the national

dailies. /hey 6ill )e appointed as soon as the de%oration of the hospital is %omplete.

@60 Pro+e%"re!


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/hese are the main sour%es of funds %olle%tion. /hrough these sour%es not only #

Ban )ut also all the %ommer%ial )ans are %olle%ted funds )y performing their daily

a%tivities. /he sour%es of funds %olle%tion in )oard strategies and pro%edures are given

)elo6

a. Deposits

). 3o%al !emittan%e


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T$e Depo!t!

Depo!t Rte Pro!o)' Pro(t Rte

M"%r# Ter$ Depo!t Re+ept

1 onth :L

Belo6 1 %rore A)ove 1 %rore )ut

)elo6 : %rore

: %rore

and

A)ove

onths G.00L G.:0L ;.00L

9 onths G.00L G.:0L ;.00L

1$ 8ears G.00L G.:0L ;.00L

8T#'e .9

S+he$e Depo!t!

Depo!t! N$e Te)"re Pro!o)' Pro(t! Rteudara)a onthly (avings (%heme 0: 8ears ;.1:L

0G 8ears ;.0L

10 8ears ;.E0L

12 8ears ;.:0L

udara)a onthly #n%ome (%heme 0 8ears (B;.:0L

udara)a (uper (avings (%heme Dou)le MG years

udara)a ultiplus (avings (%heme /riple M12 years8T#'e 9

rom these s%hemes, # Ban Bangladesh 3td. &hulna Bran%hC has deposited huge

amount of %apital from the deposits. /he %harts of the amount of deposits presents

)elo6. oreover # Ban &hulna Bran%hC has re%eived some mis%ellaneous servi%e

%harges in %ase of various types of a%%ounts. /he list of the servi%e %harges presents

)elo6+

T5pe! o( A++o")t! Nt"re o( Chr


38/66

#6 Lo+' Re$tt)+eTr)!(er o( (")%!

3o%al remittan%e in form of D.D, /./, Ps instru%tions and re%eives %ommission for it. /he %ommission of D.D, /./,

P


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'he5ues @ouse

Hhere there is no

'learing @ouse

At a%tual inimum /. 2:


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/ele7 'harge /. E0


41/66

2 3


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re%overed. As per 3


43/66

6here do%uments are

pur%hased at a dis%ountC

2: Negotiation %ommission e7port

)ill in 3o%al 'urren%y 6here

dis%ounting is not allo6edparti%ularly for )ills under

)arter


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any engagement on out part.

: Advising of ?uarantees in

original )y adding %onfirmation.

M0.:0L per 5uarter or

part thereof

inimum /.Q1,:00


45/66

foreign %orrespondents in%luding tele7 %harges

EF 'an%ellation of Drafts in foreign

'urren%y

/. Q:009

(6 EXIM I!'$+ 3! Cr%

# Ban has laun%hed isa #slami% 'ard, the first (haria $)ased %ard )y any #slami%

)an in %ountry. # Ban isa #slami% 'ard offers the lo6est profit rate in the %ard


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maret. /he %ard having dual %urren%y transa%tion fa%ilities does not have any hidden

%harges 6hile several supplementary %ards are offered along 6ith the main %ard. /he

%ardholders %an pay )ills )y auto de)it instru%tion 6ith their a%%ounts 6ith # Ban.

# Ban has t6o types of #slami% isa 'ardI iC ?old 'ard, iiC 'lassi% 'ard. /he

pur%hase limit of ?old 'ard is R G0 and 'lassi% 'ard is R E0. /he fa%ility of #

#slami% isa 'ard is des%ri)ed )elo6+

Ite$! Go'% Cr% 8T769 C'!!+ Cr% 8T769

Profits ree Up to E: days Up to E: days

Profits !ate 1.9L after E: days 1.9L after E: days

'ash !e%eive L L

=nline Payment L a)ove L a)ove

Booth 'harge 00


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CHAPTER FOURF)%)


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i. /o %olle%t more deposits no6 most of the %ommer%ial private )ans appoint

mareting e7e%utives. /hese mareting e7e%utives %onvin%e the potentials and

e7isting %ustomers to open a%%ounts in their )ans and taes various types of

loans from the )an. But # Ban does not appoint any mareting e7e%utive

for intera%ting 6ith the %ustomers. # Ban uses its o6n offi%ers, employees

to intera%t 6ith their potential %ustomers for )aning transa%tion. As a result, it

hampers their daily offi%ial>s a%tivities and %onsumes time to serve the

%ustomers.

ii. /he udara)a onthly (avings (%heme ((C of # Ban is started from

/. :00


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7ii. After passing one year>s operation # Ban &hulna )ran%h does not a%hieve

it>s e7pe%ted profits. #t )ears the sing that some faults, mismanagement are

e7isted in this )ran%h. #t may one of the hinder to a%hieve their profits in near

future.

7iii. # Ban does not enter in the vast of 6orld of $'ommer%e. But to e7ist in

%ompetition 6ith other %ommer%ial )ans it is ne%essary to %onne%t all the

)ran%hes in ele%troni% 6orld.

>6/6@ Goer)$e)t I)%((ere)+e&hulna is the third mega %ity of Bangladesh and traditionally this %ity is very important

for e%onomi% a%tivities. rom an%ient periods, many fa%tories, mills, and industries has

esta)lished here under government and private proprietorship. But this %ity has lost its

e%onomi%al values for some of the follo6ing reasons. /he reasons are giving )elo6+

3a% of proper planning

Undeveloped %ommuni%ation system

3a% of modern river port

Unavaila)ility of ele%tri%ity

#nflation - Deflation

Politi%al violen%e

=ppression of lo%al hooligan under politi%al shelter et%

/hese are the main reason of e%onomi%al retreat of this %ity.

>6/6> Nt"r' %!or%er!Naturally &hulna is situated southern part of Bangladesh. /he Bay of Bengal and some

others )ig rivers su%h as Posur, !upsha, oiru), Bollesshor et% are flo6ing around the

%ity. 'onse5uently, every year it fa%es many natural %alamities su%h as flood, %y%lone,

over rain, 6ater logging et% and it ruins the e%onomi%al stru%ture of the %ity.

>60 A)'5!!#f 6e analysis the performan%e of # Ban of this year then 6e %an easily find out its

su%%ess and failure. #n our analysis part 6e not only analysis # Ban performan%e

more over 6e find out the internal reason to de%rease the e%onomi% a%tivities in this

region. /he analysis is presented )elo6+

>606/ EXIM B)7 per(or$)+e# Ban offers these types of lu%rative deposits to the maret and %olle%ts funds

from the pu)li%>s. Besides, 6ith the help of this %apital they grant loans among the

entrepreneurs and in%rease their funds. Hithin the fe6 days, # Ban &hulna


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Bran%hC has done startling performan%e and a%hieved %ustomer>s relian%e in their

)aning a%tivities. #f 6e o)serve # Ban>s performan%e half$yearly )asis January

200; to June 200;C - July 200; to De%em)er 200;C then 6e %an o)serve the a%tual

phenomenon of their performan%e.

H'( Yer'5: 4)"r5 0--2 4")e 0--2Depo!t! 4) Fe# Mr+h Apr' M5 4")e

Al Hadiah 'D 2E 2F 1 : F E1

(D EE :; G1 ;E 10E 10;

(/D 1 2F E :G 9G FF

/D! 1monthC E 9 11 ; ; 9

/D! monthsC EG G: 122 1; 1E9 1EE

/D! 9monthsC : G 11 1E 1E 1F

/D! 1 yearC 9 11 1: 29 2F 0

(( : yearsC 2 2 E0 E: : :G

(( G yearsC : 1: 1F 1G 1G

(( 10 yearsC 1 1; : ; E2 :1

(( 12 yearsC ; :0 9E G9 10: 12

((( : G 10 1: 19 1F

P(( : G G G

@AJJ : 8earsC $ $ $ $ $ 1

#( $ 1 E $ $

8T#'e /9

#f 6e measure the half$yearly performan%e of # Ban from the /a)le$1F, then 6e

%an say that performan%e of # Ban in most of the s%hemes is )etter rather than

some of s%hemes. And the lo%al authority have to eep their attention to develop them

at the last of the year.H'( Yer'5: 4"'5 0--2 De+e$#er 0--2

Depo!t! 4"'5 A"< Sept O+t No De+

Al Hadiah 'D :E 91 9: F9 G ;1

(D 10 1:F 1F9 1;F 21G 22F

(/D ;0 100 10 10; 10 1EG

/D! 1monthC F : G E 9

/D! monthsC 1:1 1:E 192 19F 1FG 1G

/D! 9monthsC 19 1: 1: 1E 1E 1E

/D! 1 yearC 2; 0 2; 2G 1 9

(( : yearsC 9E 9; F2 FF G1 ;2

(( G yearsC 1G 21 2: 2E 2E :(( 10 yearsC 9 9F F0 F; G2 ;F

(( 12 yearsC 1F 1E: 1: 19E 1FF 1G9

((( 1F 1G 1G 1G 1; 22

P(( G G 10 11 G ;

@AJJ : 8earsC $ $ $ $ $ $

#( $ : $ $ $ $8T#'e /9

rom /a)le$1G, it is easily apparent to us that the performan%e of # Ban is

improved from the last si7 months. At the end of the year, the performan%e of #

Ban is optimisti% and 6e %an say that if # Ban eeps this performan%e then they%an pass long 6ay in near future.


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/hrough measuring the performan%e of every single deposits from January 200; to

De%em)er 200; 6ith graphi%s %harts are %ited )elo6+

/6 A' ?%h CD AC

8F


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8F6 B6 MTDR 8@ Mo)th!9 AC

8F


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8F


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8F


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8F


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rom the figure$19, 6e see that the num)ers of this deposit in%reased from first to last

of this year. /he num)ers of this a%%ount is same from January to e)ruary. But it is

in%reased from April to =%to)er. #n Novem)er, the num)ers of this a%%ount )e%ome

minimi"e and in De%em)er, it is again in%reased.

6 HA44 S+he$e Depo!t 81 Yer!9 AC

very uslims have a desire to go in o%%a4 - odina4 to perform the holy @a**.

# Ban )rings a great opportunity for this pious uslims to perform their holy @a**

6ithout any hassle. As a ne6 )ran%h # Ban suggest the pious uslims to perform

their @a** 6ith the help of legal agen%y and in this filed their performan%e is

remara)le.

8F


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8F


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#f 6e analysis the /a)le$20, 6e %an see that, the in%reasing rate of these deposited

amount from April to June is %ontinuing. 8et the amount of some s%hemes are

remained )ut in ma7imum most of the s%hemes are gradually amplified. #n addition,

the ta)les have proved that, the half$yearly performan%e of # Ban is satisfa%tory

and it )e%omes a ne6 sensation among the private %ommer%ial )ans in &hulna.Mo)th: 4"'5 0--2Septe$#er 0--2

Depo!t! 4"'5 8BDT9 A"


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)ut in average, the performan%e of # Ban is impressive. 8et one year is not a long

time to *udge the performan%e of a %ommer%ial private )an. /his )ran%h is not a)le to

gain profits from its one year operation )ut in this one year # Ban has a%hieved

people>s %onfiden%e, trust 6hi%h is very ne%essary to run a )an long 6ay.

>6060 Goer)$e)t Deprto)very government of !epu)li% Bangladesh taes master plan for the moderni"ation of

&hulna %ity. But the master plan %ould not )e implement in real life. As a result,

moderni"ation of &hulna %ity 6ould )e a dream. #t influen%es negative effe%ts on total

e%onomi% and )usiness stru%ture of this region. (o it is the )urning 5uestion of present

government to tae proper long - short term plan to develop the master plan of

&hulna %ity.Present %ommuni%ation and transportation system of this %ity is )oring and time

%onsuming. 3a% of proper %ommuni%ation and transportation system it taes lot of

time to rea%h produ%ts or goods one pla%e to another. Businesspersons of other region

%ould not sho6 their interest on this %ity. (o government should %onstru%t several

roads, )ridges spe%ially the Padma Bride4 to mae the %ommuni%ation and

transportation system smoothly. Besides government should develop the ignored

rail6ay %ommuni%ation system, moderni"e the platform, laun%h high$speed rail vehi%les

and promote rail6ay as an alternative of road %ommuni%ation and transportation

system. rom an%ient period, most of the transa%tion and )usiness a%tivities have

)eing performed )y river or seaport. ost of fa)ulous %ities of past and present are

)uild up )ased on the river or seaport. (o the importan%e of modern sea


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areas of Bangladesh fa%e flood, %y%lone, 6ater logging, over rain et%. #t totally

massa%re e%onomi% stru%ture of this region.

CHAPTER FI3E

Re+o$$e)%to)! & Co)+'"!o)!

16/ Re+o$$e)%to)! to +o$p)5

/he )ans are a%tually servi%e organi"ations. /he main o)*e%tives of the 6orld famous

and su%%essful )aning organi"ation are to maing of profit through addressing the

%lients time to time 6ith ne6 pie%es of servi%e instruments. @o6ever, my little

e7perien%e earned through this internship program too me to )an>s funds %olle%tion.

# had several fran dis%ussions 6ith the %lients and offi%ials, 6hi%h has helped me to

no6 the follo6ing re%ommendation+

i. #t is no6 the time demand of to appoint some mareting e7e%utives for every

)ran%h in # Ban. /he main duty of mareting e7e%utives to deal 6ith the

potential %ustomers of the )an and %onvin%e them to open a%%ounts or tae

loans from the )ans.

ii. /o get more (( a%%ounts # Ban %an spilt the deposit s%heme from /.

100


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# Ban to esta)lish o6n A/ )ooth around the %ountry for minimi"ing the

hassle of their %ustomers.

v. /o %ompete 6ith the %ompetitive maret # Ban must have in%reased the

num)er of Authori"ed Dealer Bran%hes. #t 6ill in%rease the num)er of foreign

e7%hange )usinesses of # Ban and # Ban %an generate huge amount

of %apital from foreign e7%hange )usinesses.

vi. /o gain the %onfiden%e of the %ustomers of other religion # Ban %an

highlights the value of #slami% )aning and #slami% prin%iples.

vii. /o prevent money laundering and fraudulen%e # Ban must )e alert and

must )e maintaining the instru%tion of Bangladesh Ban stri%tly.

viii.# Ban should %onsider the training session of their %ash offi%ers and

%om)ines the training session 6ith the help of modern no6ledge and

e5uipments to identify the forge and mutility notes.

i7. /o get more popularity among the inha)itants in &hulna # Ban %an tae

various promotional a%tivities. /hey %an %ele)rates their one year inauguration

%eremony, provide re6ards of the most loyal and profita)le %ustomers et%.

7. # Ban may in%rease their s%holarship program also the meritorious

students of private students, private s%hools, %olleges as 6ell as various

te%hni%als e7pe%ted target. /hough one year is not so mu%h times to measure

the performan%e of a )an )ut it a great fa%tor of the lo%al authorities to find

out the reasons of losses and tae effe%tive steps to remove it.

7ii. /o e7ist in the maret effi%iently # Ban must )e %onne%ted themselves 6ith

modern ele%troni% %ommer%e. #t saves time, energy, %ost of )an and %lients

also and it )rings the transparen%y and speed of their servi%es.

160 Re+o$$e)%to)! to s !epu)li%

Bangladesh %an tae follo6ing a%tivities and programs+

i. ?overnment should tae various long terms and short terms programs and

poli%ies for the development of &hulna.


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ii. ?overnment taes initiates to develop the %ommuni%ation se%tors. /he Padma

Bridge4 %an play as a toni% role in this %ase. #t 6ill enhan%e the %ommuni%ation

among the southern part and northern part and it 6ill foster e%onomi% a%tivities

of the %ountry.

iii. #t is the duty of government to moderni"e the negle%ted rail6ay %ommuni%ation

system. ?overnment should tae ne%essary step to esta)lish an uni5ue rail6ay

%ommuni%ation net6or all over the %ountry and laun%h high speed rail vehi%les.

iv. ?overnment should moderni"e the ongla !iver$port4 6ith all modern

e5uipments and fa%ilities. #t 6ill enhan%e the e%onomi%al a%tivities of this %ity.

v. ?overnment %an esta)lish ele%tri%ity po6er plants to supply integrate ele%tri%ity

fa%ilities for the mills, fa%tories and industries. And find alternative energy

resour%es for the future.

vi. #t is ne%essary to tae strong e%onomi% poli%y and al6ays monitor the e%onomi%

maret to eep the %ountry safe from the slap of inflation and deflation.

vii. ?overnment should esta)lish a strong rules and order and drives a6ay all inds

of politi%al violen%e, unrest situation from the %ountry.

viii. /o save the dead industries government %an de%lare motivation pa%ages.

i7. Besides government should emphasi"e to prote%t the %ountry from the natural

%limates )y taing various programs su%h as tree plantation in %oastal areas

and %ities, %ampaign among the people to prote%t the environment, de%rease

the level of %ar)on mitigation et%.

16@ Co)+'"!o)!

odern 'ommer%ial Baning is e7a%ting )usiness. /he re6ard are modest, the

penalties for )ad looing are enormous. oreover, 'ommer%ial )ans are great

monetary institutions, important to the general 6elfare of the e%onomy more than any

other finan%ial institution. #t has a vastly so)ering and e7a%ting responsi)ility.

rom the pra%ti%al point of vie6, # %an de%lare )oldly that # really have en*oyed my

internship at # Ban from the first day. oreover, internship program that is

mandatory for my BBA program, although it is o)viously helpful for my further thining

a)out my %areer.

Bans al6ays %ontri)ute to6ards the e%onomi% development of a %ountry. 'ompared

6ith other Bans # Ban is %ontri)uting more )y investing most of its funds in

fruitful pro*e%ts leading to in%rease in produ%tion of the %ountry. #t is o)vious that right


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%hannel of Baning esta)lish a su%%essful net6or over the %ountry and in%reases

resour%esI 6ill )e a)le to play a %onsidera)le role in the portfolio of development in

developing %ountry lie ours.

All things around us are %hanging at an a%%elerating rate. /oday is not lie yesterday

and tomorro6 6ill )e different from today. ?iven the fast %hanging, dynami% glo)al

e%onomy and the in%reasing pressure of glo)ali"ation, li)erali"ation, %onsolidation and

disintermediation, it is essential that # Ban limited have a ro)ust poli%ies and

pro%edures that are sensitive to these %hanges.

B#'o


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#B'AQ #nter Bran%h 'redit Advi%e#BDAQ #nter Bran%h De)it Advi%e#''DQ #nternal 'ontrol - 'omplian%e Division#DQ #nternational Department#DQ#dentity#3'Q #nland 3etter of 'redit

#/Q #nformation /e%hnologyJanQ January

&U/Q &hulna University of ngineering and /e%hnology&8'Q &no6 8our 'ustomer3'Q 3etter of 'redit3tdQ 3imited#(Q anagement #nformation (ystem#(Q udara)a onthly #n%ome (%heme((Q udara)a ultiplus (avings (%heme(DQ udara)a (avings Deposit

((Q udara)a (avings (%heme(((Q udara)a (uper (avings (%heme

(/D!Q udara)a (hort /erm Deposit !e%eipt/Q oney /ransfer/D!Q udara)a /erm Deposit !e%eiptN.?.=Q Non$?overnment =rgani"ation.NB!Q National Bureau of !evenueNovQ Novem)erN!BQ National !evenues Board=B'Q =ut6ard Bill 'olle%tion

=%tQ =%to)erP=Q Payment =rder

P!'Q Pro%eed !eali"ation 'ertifi%ateP!DQ P)li%

!?Q !eady ade ?arments

(BQ (avings Benefits(D!Q (hort Deposit !e%eipt


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(epQ (eptem)er(PQ (enior 7e%utive i%e president

(NDQ (hort Noti%e Deposit(r.Q (enior

(H#/Q (o%iety for Horld6ide #nter$)an inan%ial /ele%ommuni%ation

/#NQ /a7 #dentity Num)er/PQ /ransa%tion Profile//Q /elegraphi% /ransferA/Q alue Added /a7

an internship report-exim bank

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