...Internship Report On Janata Bank Limited and Its General Banking Activities Internship Report On Janata Bank Limited and Its General Banking Activities Supervised by: Niluthpaul Sarker Assistant Professor Department of Accounting and Information systems Jagannath University Prepared by: Akash Kumar Ghosh ID: 114599(BBA) 6th Batch Department of Accounting and Information systems Jagannath University Date of Submission: 5th November, 2015 Letter of Transmittal Date: November 05, 2015 Niluthpaul Sarker Assistant Professor Department of Accounting and Information Systems Jagannath University Subject: Submission of internship report. Dear Sir, I would like to inform you that I have completed my internship report on the topic“General banking activities of Janata bank Ltd” of Bangladesh. I have completed my internship attachment period with Janata Bank Ltd. Preparing this report, I have collected information from all available sources in the most realistic and professional way. In writing this report, I have followed the instructions of my organization while at the same time consulting my institute supervisor. I have endeavored to the utmost potential and limited constraints to project the report as reflective as possible. I earnestly hope that this report will meet your specification would be delighted to furnish you with any clarification if required. Thanks and Regards ...
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...1.0 Introduction 1.0 Background of the report As the student of Bachelor of Business Administration (BBA) every student has to conduct a practical orientation (Internship) on any organization for fulfilling the requirements of the B.B.A program. In order to fulfill this requirement of the Internship program I choose Mercantile Bank Limited (MBL). The main purpose of the program is to know the real world situation. The topic of my report is “General banking &credit on Mercantile Bank Limited”. In this regard I have opportunity to make my internship in Mercantile Bank Limited from July 22 to October22, 2009. The Mercantile Bank Limited is a scheduled private commercial bank established on May 20, 1999 under Bank Company Act, 1991 and incorporated as a public limited company under companies act, 1994. The bank started commercial banking operation from June 02, 1999. During this short span of time, the bank has been successful to position itself as a progressive and dynamic financial institution in the country. Involvement of the banking sector in different financial events is increasing day by day. At the same time the banking process is becoming faster, easier and the banking arena is becoming wider. As the demand for better service increases, the banking organizations are coming with innovative ideas. In order to survive in the competitive field of the banking sector, all banking organizations are looking for better service opportunities to provide to their clients. ...
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...Chapter- 1 Introduction and Design of the chapter ▪ Introduction ▪ Scope of the study ▪ Objectives of the study ▪ Methodology ▪ Limitation of the study 1.1 Introduction: A bank is a financial institution, where people secure their money and use this institution as a source of possible finance. Banking in the form in which it exists nowadays is comparatively of recent origin. Before the advent of modern banking, direct finance, where the owner of capital deals directly with the user of capital, was the customary mode of transference of funds from savers to investors. Now, banks are engaged in various functions i.e., receiving, collecting, transferring, paying, lending, investing, dealing, exchanging, and servicing money and claims to money both locally and internationally. Bangladesh is a country suffering from immense social, political, economic and environmental issues and these issues need to be addressed for the overall development of this country. However, we all know that the people of the whole world are concerned about the environmental degradation, especially the rising of global temperature and thereby melting of glaciers and ice-berg in the polar region and consequently rising of sea level, which will directly affect the low lying countries...
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...meant to provide readers with best practices AB bank would be well advised to implement regardless of the emergence of new regulatory capital requirements. AB Bank is to develop mutual understanding between regulatory authorities and banks with regard to the upcoming changes in banking. Credit risk Management provides interesting reading as well as a basis for efficient discussions of the current changes in AB Bank. The bank has been successful in holding its position as a progressive and dynamic financial institution in the country for a long period of time. It has now centralized all of its activities and has been acclaimed by the customers for its modern and innovative ideas and financial solution. It has been able to create a unique image for itself and significant solution in the banking sector proving its brand mantra “Would make finest corporate citizen”. 1.1 Background of the study The main product of bank is Loans and...
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...customer base, ancillary consumer banking products like debit card and credit card. As far as life style of people is concerned, consumer bank can play a widespread role since consumer banking deals with individuals’ complete life style as well as banking solution. Beauty and spirit of consumer banking inspired me to decide Consumer Banking as my internship report topic. EBL is one of the fastest growing private commercial banks, which is aggressively moving forward in the arena of consumer banking by rendering super product and service range among huge customer base across the country. EBL already set up some landmarks by introducing ‘ real time online banking, Debit card, Internet Banking, kiosks and sales team for consumer banking. In this report, four chapters have segregated total analysis. While chapter one demonstrates introduction, scope and limitation of the study, chapter two has shown the overview of EBL comprising history, vision, mission and core business units. Consumer banking scenario of the EBL has been demonstrated in chapter three. Finally finding and conclusion is drafted in chapter five of this report. Introduction: I completed this project in Eastern Bank Limited (EBL), one of the largest and reputed Private Commercial Bank in Bangladesh. During this time my instructor, Muhmud zubayer assistant professor Dept of business...
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... | 1.1. Background of the Study: Internship program is a pre-requisite for acquiring BBA degree. Before completion of the degree, a student must undergo the Internship program. This report is prepared based on practical knowledge acquired from the internship program and as well as for the fulfillment of degree requirement of BBA, Jagannath University. 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 the real life situation through this program. The program consists of three phases: ▪ The orientation of the Intern with the organization, its function and performance. ▪ The project work pertaining to a particular problem(s) matching with the Intern’s area of specialization and organizational requirement. ▪ The report writing to summarize the Intern’s analysis, findings and achievements in the proceeding of the followings. As practical orientation is integral part of BBA, I was sent to the Uttara Bank Ltd, Foreign Exchange Branch to have real life exposure on a 90 days internship program (from October 24, 2011 to January 23, 2012. This internship report titled “General Banking and Foreign Exchange Activities of Uttara Bank...
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...Nuruzzaman Sarak, Shymoli,Dhaka. 1207. Internship Report On “Modes of Investment of IBBL” Submitted To Dr. Md. Abdul Hye Professor & Dean Faculty of Business ASA University Bangladesh (ASAUB) Submitted By Sheikh Refath Jessan ID. No: 091-12-0293 Section: ACT-6A Major: Accounting Batch: 6th Program: BBA ASA University Bangladesh (ASAUB) Date: December 30, 2012 December 30,2012 Dr. Md. Abdul Hye Professor & Dean, Faculty of Business ASA University Bangladesh (ASAUB). Dear Sir: SUBMISSION OF INTERNSHIP REPORT I have the pleasure to submit the internship report on ‘Modes of Investment of Islami Bank Bangladesh Limited (IBBL)’ for your kind perusal and evaluation. It is a matter of immense pleasure for me to have the opportunity to prepare internship report on, ‘Modes of Investment of Islami Bank Bangladesh Limited (IBBL)’. I am grateful to you for allowing me to carry out such work and necessary co-operation and assistance from you during my report. I believe that the knowledge and experiences acquired while conducting this study will help me in many ways and the readers as well in future. I have tried my best to accommodate my ideas and findings as specifically as you asked about within the time frame and resources available I would like to mention that there might be some errors in the report that is totally unintentional and due to professional...
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...Internship Report On Performance Appraisal System Of INTERNSHIP REPORT On “Performance Appraisal System of AB Bank Limited, ABBL” Of HR Division, Head Office. (This report on internship in AB Bank Limited is submitted as a requirment of the partial fulfilment of BBA Program) Report prepared for Probal Dutta (1st), Senior Lecturer, BBS, BRAC University Shantu Kumar Ghosh(2nd) Senior Lecturer BBS, BRAC University. Report prepared by MD. ULLAH AL MAMUN Student ID: 06104007. BBS Department, BRAC University. Date Of Submission 13th May, 2010. BRAC University Students Assertion I hereby announced that the extensive study entitled “Performance Appraisal System of AB Bank Limited, ABBL” (Conducted on behalf of AB Bank Limited, Head Office, HR Division) Prepared in partial accomplishment of the requirements for the award of the degree in Bachelor of Businesss Administration (BBA) From BRAC University BBS Department. Is my original work and not put forward For the award of the any other degree/fellowship Or other similar designation or accolade. …………………………………… MD. ULLAH AL MAMUN Student ID: 06104007. Certificate of Approval The internship report of MD. ULLAH AL MAMUN Student id: 06104007. BBS Department, BRAC University Titled “Performance Appraisal System of AB Bank Limited, ABBL” (Conducted on behalf of AB Bank Limited, Head Office, HR Division) Is approved and is suitable in eminence and...
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...Internship Report On Performance Appraisal System Of INTERNSHIP REPORT On “Performance Appraisal System of AB Bank Limited, ABBL” Of HR Division, Head Office. (This report on internship in AB Bank Limited is submitted as a requirment of the partial fulfilment of BBA Program) Report prepared for Probal Dutta (1st), Senior Lecturer, BBS, BRAC University Shantu Kumar Ghosh(2nd) Senior Lecturer BBS, BRAC University. Report prepared by MD. ULLAH AL MAMUN Student ID: 06104007. BBS Department, BRAC University. Date Of Submission 13th May, 2010. BRAC University Students Assertion I hereby announced that the extensive study entitled “Performance Appraisal System of AB Bank Limited, ABBL” (Conducted on behalf of AB Bank Limited, Head Office, HR Division) Prepared in partial accomplishment of the requirements for the award of the degree in Bachelor of Businesss Administration (BBA) From BBS Department. BRAC University Is my original work and not put forward For the award of the any other degree/fellowship Or other similar designation or accolade. …………………………………… MD. ULLAH AL MAMUN Student ID: 06104007. Certificate of Approval The internship report of MD. ULLAH AL MAMUN Student id: 06104007. BBS Department, BRAC University Titled “Performance Appraisal System of AB Bank Limited, ABBL” (Conducted on behalf of AB Bank Limited, Head Office, HR Division) Is approved and is suitable in eminence and figure Academic supervisor ...
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...situation, the banking financial institutions might find itself in serious financial distress instead of improving its financial health. Consequently, not only the depositors but also the general shareholders will be deprived of their money from the bank. The deterioration of loan quality will also affect the intermediation efficiency of the financial institutions and thus the economic growth process of the country. This establishes the fact that banks should provide increasing emphasis on various analytical tools and techniques for screening proposals and loan decision taking. Credit Worthiness Analysis is one of the most important activities before sanctioning any credit to a new borrower as well as existing borrower to avoid any default risk and for improving the operational efficiency of nationalized and private sector commercial banks. 1.2 Rational of the study: The principal function of the bank is to lend. Lending comprises a very large portion of a bank’s total activities. Sound lending practice therefore, is very important for profitability and success of a bank. Like other financial intermediary, commercial banks also intermediate between the savers and borrower to mobilize the financial surplus of the savers and allocate these savings to the creditworthy borrowers of different sectors of the economy. In this way...
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...TABLE OF CONTENTS Executive Summary Prefatory Origin of Bank Definition of Bank History of Banking in Bangladesh History of Private Banks in Bangladesh Current Structure of Banks in Bangladesh Introduction Origin of the Report Objectives Scope Rationale of the study Methodology Limitations Literature Review Organization Overview DBL Background Nature of Business Shariah Council of the bank Vision Mission Core Values Objective of EXIM Bank as a shariah basedIslamic Bank Strategic objectives of DBL Customer charter _____________________________________26 _____________________________________26 _____________________________________27 _____________________________________05 _____________________________________07 _____________________________________08 _____________________________________08 _____________________________________09 _____________________________________11 _____________________________________13 _____________________________________17 _____________________________________18 _____________________________________19 _____________________________________19 _____________________________________20 _____________________________________20 _____________________________________21 _____________________________________21 _____________________________________23 _____________________________________24 _____________________________________25 _____________________________________25 _____________________________________25 _____________________________________25 _____________________________________26...
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...Chapter-1 Introduction 1. BAckground of the study. Four years back Bangladesh Bank undertook a project to review the global best practices in the banking sector and examines in the possibility of introducing these in the banking industry of Bangladesh. Four ‘Focus Groups’ were formed with participation from Nationalized Commercial Banks, Private Commercial Banks & Foreign Banks with representatives from the Bangladesh Bank as team coordinators to look into the practices of the best performing banks both at home and abroad. These focus groups identified and selected five core risk areas and produced a document that would be a basic risk management model for each of the five 'core' risk areas of banking. The five core risk areas are as follows- a) Credit Risks; b) Asset & Liability / Balance Sheet Risks; c) Foreign Exchange Risks; d) Internal Control & Compliance Risks; and e) Money Laundering Risks. Bangladesh Bank in one of it’s circular (BRPD Circular no.17) advised the commercial banks of Bangladesh to put in place an effective credit approval and monitoring system by December, 2003 based on the guidelines sent to them. In my study, I would try to put forward my findings about the “Credit Management Policy of Bangladesh Bank, and its implementation”. To illustrate my point, I am giving the example of Bank Asia Limited. 2. Objectives of the study. Broad objective: ❖ The broad objective is to know...
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...many competitors. The recent inclusion of another two new financial institutions (Bangladesh Infrastructure Finance Fund Limited (BIFFL) & Agrani SME Financing Company Limited) in the market has increased the number of competitors at 31. From the research & provided data it is very clear that the companies are trying to strengthen their position in the market as the investment n fixed asset seems to on the rise. Besides following the stock market crash in 2010 and recent rise in the dollar price, the cost of fund has also significantly jumped. Altogether these factors are provoking the decline in the growth in income for the companies. As per Section 7 of the Banking Companies Act 1991, commercial banks also started different activities offered by financial institutions, specially leasing. Following the act, commercial banks started their leasing operation effectively in...
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...Higher Education Quality Enhancement Project HEQEP Operations Manual for Innovation Fund Second Edition evsjv‡`k wek¦we`¨vjqgÄyixKwgkb University Grants Commission of Bangladesh Ministry of Education Government of the People’s Republic of Bangladesh Operations Manual for Innovation Fund (2nded.) IFOM Preparation Committee: Professor Abdul Mannan, Chairman, UGC Professor Dr Mohammad Mohabbat Khan, Member, UGC Professor Dr AbulHashem, Member, UGC Professor Dr Md. AkhtarHossain, Member, UGC Professor Dr M. Yousuf Ali Mollah, Member, UGC Professor Dr DilAfroza, Member, UGC Dr Gauranga Chandra Mohanta, ndc, Project Director, HEQEP Mr Md. Korban Ali, AIF Coordinator, HEQEP Professor Dr M. MuhiburRahman, AIF Management Specialist, HEQEP Professor Dr AbutaherM.Ziauddin, AIF Management Specialist, HEQEP Mr Md. Gazi Nazrul Islam, Program Officer (Innovation), HEQEP Published by: Higher Education Quality Enhancement Project (HEQEP) Dhaka Trade Centre (8th Floor), 99 KaziNazrul Islam Avenue Karwan Bazar, Dhaka 1215, Phone: 8189020-24, Fax 8189021 E-mail: pd.heqep1@gmail.com, Web: www.heqep-ugc.gov.bd University Grants Commission of Bangladesh (UGC) UGC Bhaban, Plot No. E-18/A, Agargaon, Sher-e-Bangla Nagar, Dhaka 1207 Phone: 8128172,8128174,8128175,8128177; Fax: 8181615, 8181617, 9114707 E-mail: chairmanugc@yahoo.com, Web: www.ugc.gov.bd Disclaimer This Operations Manual (2nd ed.) should not be considered as a final document that cannot be revised, modified or updated...
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...certainly praiseworthy. I am extremely delighted to have the opportunity to write few words upon the book. Here I would like to touch upon the key aspects of the revolutionary changes that I have witnessed in Bangladesh Bank during the past four years. Firstly, digitization has taken place rapidly in the central bank and the whole banking sector was quick to follow suit. Secondly, mobile banking has been introduced and expanded significantly. This process will come its fruition with the introduction of PayPal payment system. Thirdly, revolutionary changes have taken place in CSR. Fourthly, Bangladesh Bank has achieved commendable success in financial inclusion program. Bangladesh Bank's role in involving the mass people into financial activities is undeniable. Finally, the establishment of Currency Museum is a great initiative of Bangladesh Bank. I would now like to say a few words on the economic condition of the country. Under the visionary leadership of the father of the nation Bangabandhu Sheikh Mujibur Rahman, an independent and sovereign Bangladesh emerged in the world map 42 years ago with a view to achieving political and economic freedom of the Bangalees. To complete the unfinished task of economic freedom of Bangabandhu, present government is implementing the...
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