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Topic : "Borrowers Perception on Prime Bank Limited"(One of the Best Internship Report Ever).

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1

University of Liberal Arts Bangladesh

Department of Business AdministrationInternship Report

On

Borrowers Perception On Prime Bank Limited

Submitted to:

SUMAIYA ZAMANLecturer, Business AdministrationSubmitted by:

SAMEER ANSARYID: 081011072BUS-499

Major: Finance; Minor: Computer Science and EngineeringDepartment of Business Studies (BBA)

Date of Submission: August 21, 2011 LETTER OF TRANSMITTALAugust 21, 2011

Sumaiya ZamanLecturer

Business Administration

University of Liberal Arts BangladeshSubject: Submission of Internship Report of Prime Bank Limited.Dear Sir,

It is my pleasure to submit my Internship Report on Borrowers Perception on Prime Bank Limited as a requirement of Internship course, BUS-499.

I tried my best to gather relevant information for constructing a complete report as outlined. The preparations of this report enable me to a great extent to complete my theoretical knowledge with practical analysis. I would like to express my profound gratitude for your kind and conscious guidance in preparing my report in the giving time.

Thank you very much for your heartiest co-operation.

Yours sincerely,

(Sameer Ansary)

BBA 081thBatch, Major-Finance

ID no-081011072,

Department of Business Department,

University of Liberal Arts Bangladesh

ACKNOWLEDEGEMENT

First of all I would like to express my gratitude to omnipotent and almighty Allah, whose invisible guidance helped me to complete this report. Although, time was very limited for getting the sufficient knowledge about all of banking service, but the short experience that I gathered as an internee, in Prime Bank Limited on Sat-Masjid Road Branch an asset for all the time to come in my life. I take the opportunity to express my deep sense of gratitude of my reverend supervisor, Sumaiya Zaman (Lecturer, Business Administration, University of Liberal Arts Bangladesh) for his invaluable suggestions and guidance during the study period that has greatly inspired me in preparing this report successfully.

I am highly thankful to all of the employees of Prime Bank Limited, Sat-Masjid Road Branch for their support that helped me to prepare this report. All of them are very frank and helpful exception. I couldnt think a single moment that I am a student of internee in that bank they help me as his employee. Besides I have special appreciation towards following resource person for helping me:

Md. Omar Kabir, Vice President.

Md. Aminur Rahman Akanda, Assistant Vice President and Manager Operation.

Shah Mohammad Mohsin, First Assistant Vice President.

Md. Masud Uddin Ahmed, First Assistant Vice President.

Md. Rofiqul Islam, Executive Officer.

Sharmin Rahman, Executive Officer.

Md. Eshtiak Masud, Executive Officer.

Faria Azad, Executive Officer.

A.S.M Hasan Sohel, Executive Officer.

Md. Naiamul Farid, Senior Officer.

Jahir Uddin, Senior Officer.

Md. Golam Mostofa, Officer.

Md. Saiduzzaman Khan, Management Trainee.

Sree Jyotish Chandra, Management Trainee.

Sharmin Akter, Trainee Assist.

Finally, I want to express my deep gratitude to my parents and other family members and also remember my friends whose enormous helps assist me to complete my report.

Serial No.ParticularsPage No.

Abstract1

CHAPTER: 01 INTRODUCTION

2-6

1. 1Statement of the Research Problem3-4

1.2Objective of the Study4

1.3Methodology of the Study

5-6

1.4Scope of the Study6

CHAPTER: 02 COMPANY PROFILE

7-24

2.1Background of the Prime Bank Limited8

2.2Principle Activities of the Bank8-14

2.3Management Hierarchy15

2.3.1Sat Masjid Road Branchs Management Hierarchy16

2.4Network of the Bank17

2.5Raito Analysis of the Prime Bank Limited and their Competitors AB Bank Limited18-22

2.6SWOT Analysis23

2.7Loan Calculator of Prime Bank Limited24

CHAPTER: 03 FINDINGS OF THE STUDY

25-28

3.1Findings in Different Situations25-28

Chapter: 04 SUMMARY ANDRECOMMENDATION

29-31

4.1Summary of the Study30

4.2Recommendations30-31

Chapter: 05 BIBLIOGRAPHY AND APPENDIX

32-51

5.1Bibliography33-36

5.1.1Books and Publications33

5.1.2Websites33

5.1.3Questioners34-36

5.2Appendix37-51

5.2.1Ratio Analysis Information of Prime Bank Limited and AB Bank Limited37

5.2.1.1Performance at a Glance (Prime Bank Limited)37

5.2.1.2Statement of Comprehensive Income (Prime Bank Limited)38

5.2.1.3Statement of Cash Flow (Prime Bank Limited)39

5.2.1.4Statement of Financial Position (Prime Bank Limited)40

5.2.1.5Financial Highlights (Prime Bank Limited)41-43

5.2.1.6Graphical Presentation (Prime Bank Limited)44-45

5.2.1.7Financial Information (AB Bank Limited)46-51

TABLE OF CONTENTS ABSTRACT

This report is an outcome of the internship program under the BBA program requirement in the Prime Bank Limited. During my internship in the organization I have gathered different information which was necessary for preparing this report.

This report is written on the Borrowers Perception on Prime Bank Limited.

In chapter 1, I have introduced the topic, along with the objective of the report, which was mainly understand how to gain real life exposure in the banking sector and to get a clear idea about Borrowers Perception. I have also mentioned the method followed to gather the information and the sources of data.

The company profile is stated in the chapter 2. It includes the background of the bank, with principle activities, management and branchs hierarchy, branch network, ratio analysis of the Prime Bank Limited and their competitors AB Bank Limited, SWOT analysis and Loan calculator of Prime Bank Limited.

Chapter 3 starts with findings in different situations about Borrowers Perception on Prime Bank Limited. In this chapter all the survey questions are graphically presented.

Chapter 4 draws summary of this report. I have included my observation, some loop wholes and Prime Bank and the effects of these. Then I have tried to draw out some solution to those problems and some recommendation.

Finally chapter 5 has the tables and graphs and other information in the appendix that might be needed for the better understanding of the report.

A borrower is a person or institution who has been approved to receive a loan and is then obligated to repay it and any additional fees according to the loan terms. Borrowers perception is so much important for any bank because if they know the perception level of their borrowers then they can do all the loan able works easily. Thats why in this report I have tried to explain and highlight this issue precisely.

Learning Objectives:1. Statement of the Research Problem2. Objective of the Study3. Methodology of the Study4. Scope of the study

1.1 Statement of the Research Problem: In general sense we mean Bank as a financial institution that deals with money. There are different types of banks like Central bank, Commercial bank, Savings bank, Investment bank, Merchant bank, Co-operative bank etc. But when we use the term bank it generally means commercial bank that collects the deposit from surplus unit of the society and then lends the deposits to the deficit units.

Now-a days banking sector is modernizing and expanding its hand in different financial events every day. At the same time the banking process is becoming faster, easier and is becoming wider. In order to survive in the competitive field of the banking sector all organizations are looking for better service opportunities to provide their fellow clients. So it has become essential for every person to have some idea on the bank and banking procedure.

Internship program has been included to BBA curriculum for producing talent, up-to-date and smart, efficient executives. Internship means gaining supervised experience. Internship program offers an opportunity to know the environment of a particular organization. Theoretical knowledge does not make a person perfect. To implement the academic knowledge, practical knowledge related to it is important. A perfect coordination between theory and practice is important in the context of modern business world. In order to resolve the dichotomy between theory and practice, the different university arranged Internship Program as a partial completion of BBA program. This program is necessary for every student to complete his or her academic degree. Internship program brings student closer to the business theory and practical and thereby help them to substantiate their knowledge so that they can prepare themselves to start a successful career.

As a participant in this, I was place under Prime Bank Limited, Sat Masjid Road Branch, Dhanmondi, which is well reputed for trade and commerce in Dhaka city. In preparing the report, I have incorporated the suggestion from correspondents to mention here.

This report is mainly emphasis on Borrowers Perception on in Prime Bank Limited -comparative study with leading private Banks. Financial services are a difficult business, subject to many pressures. The regulatory environment, risk and capital management, reporting and compliance are all major issues demanding the attention of board and executive alike. On top of this there is still a business to run, with customers to be won or retained, costs to be managed and shareholder value to be created, all in an increasingly