...CHAPTER -01 INTRODUCTION 1.1 Background of the Study In a developing country like Bangladesh, the banking system as a whole has a vital role to play in the progress of economic development. The number of local commercial banks and foreign banks is increasing day by day. This rapid expansion of the financial market has created immense competition among the existing local and foreign banks. The core business of a bank is providing various services (collecting deposits, lending money, foreign exchange services etc.) directly to the customers. All the banks are now very much concern for providing better services to survive in the competitive environment. In this report I will explore how effectively MTBL is providing the Recruitment & Selection Process. In this report, I will identify Employer’s expectations about Mutual Trust Banks’ services and the services they actually receive from the bank. I will also find out whether there is any service gap and will recommend for minimizing the gap to enhance its service quality. I believe this report will be helpful for me to gain practical knowledge “Recruitment & Selection Process”operations as it has a great contribution in the growth of our economy. 1.2 Rational of the Study I am proposing this topic because; the information on employee Recruitment & Selection process of MTBL is accessible for me from the Branch and corporate offices. And as a HR internship student I need to work on such a topic which is directly...
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...represents consumers’ perceptions and feelings about a product and its performance-everything that the product or service means to consumers. The real value of a strong brand is its power to capture consumer preference and loyalty. In a cluttered, competitive market place, the brand elements that make up the brand will have to do more and more of the selling job. In a time- compressed marketing world the fact that brand name can be noticed and its meaning registered or activated in memory within just a few seconds is a tremendous asset and provide a firm with a strong competitive advantage. Mutual Trust Bank Ltd. is the leading multinational bank in this country. To maintain its leading position in the Bangladesh, Mutual Trust Bank Ltd. is always keen to develop long-term beneficial relationship with trustworthy clients. The ability of Mutual Trust Bank Ltd. to establish itself as a successful bank and the creation of a strong brand image is because of the high quality service it provides to its customers. ‘Brand is the "name, term, design, symbol, or any other feature that identifies one seller's product distinct from those of other sellers" A modern example of a brand is Coca Cola which belongs to the Coca-Cola Company’. ‘Brand image is the current view of the customers about a brand. It can be defined as a unique bundle of associations within the minds of target customers. It signifies what the brand presently stands for. It is a set of beliefs held about a specific brand’. ...
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...Assignment on Financial Ratio Analysis of Mutual Trust Bank Ltd. Course Title : Financial Market & Institutions Course Code : FIN- 512 Submitted to: Dr. Sujit R. Saha Professor Business Administration Eastern University Submitted By: Ifa Iqbal ID: 111600028 Submission Date: 01st January 2012 Company Overview: The Company was incorporated on September 29, 1999 under the Companies Act 1994 as a public company limited by shares for carrying out all kinds of banking activities with Authorized Capital of Tk. 38,00,000,000 divided into 38,000,000 ordinary shares of Tk.100 each The Company was also issued Certificate for Commencement of Business on the same day and was granted license on October 05, 1999 by Bangladesh Bank under the Banking Companies Act 1991 and started its banking operation on October 24, 1999. As envisaged in the Memorandum of Association and as licensed by Bangladesh Bank under the provisions of the Banking Companies Act 1991, the Company started its banking operation and entitled to carry out the following types of banking business (i) All types of commercial banking activities including Money Market operations. (ii)Investment in Merchant Banking activities. (iii)Investment in Company activities. (iv) Financiers, Promoters, Capitalists etc. (v) Financial Intermediary Services...
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...Thesis Report On Perception of Employees of Prime Bank Ltd & Mutual Trust Bank Ltd on E- Recruiting Practices Submitted by MD. MINHAZUL ISLAM Program: MBA Major in HRM Batch: 45th ID no: MBA- 04512769 Stamford University Bangladesh. Submitted to Mohammed Jaynal Abedin Assistant Professor Department of Business Administration Stamford University Bangladesh 21th November, 2012 STAMFORD UNIVERSITY BANGLADESH. Letter of Transmittal November 21, 2012 To Mohammed Jaynal Abedin Assistant Professor Department of Business Administration Stamford University Bangladesh. Subject: Submission of Thesis report on “Perception of Employees of Prime Bank Ltd & Mutual Trust Bank Ltd on E- Recruiting Practices” Dear Sir, I am Md. Minhazul Islam, student of MBA-45th batch have great pleasure to submit my thesis report under your supervision. In preparing report I faced inconvenience relating to collection of pertinent information. I respectfully acknowledge your guidance, leadership and helping me for preparation of this report. It is worthwhile to mention that there might be some errors and mistakes in my report due to limited knowledge. I am still at learning stage. So, I expect that you will pardon me for my unintentional mistakes in preparing this report. Sincerely Yours, ________________________ (Md. Minhazul Islam) ID No: MBA-04512769 Batch: 45th Stamford University Bangladesh. ii Acknowledgement While making a thesis, a lot of sincere supervision, guidance...
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...A Term Paper On Performance Evaluation through Deposit Mobilization Of Private Sector Banks in Bangladesh – A Critical Analysis on Mutual Trust Bank Ltd.. A Term Paper On Performance Evolution through Deposit Mobilization Bangladesh Of Private Sector Banks in – A Critical Analysis on Mutual Trust Bank Ltd. Under the Guidance of Supervision of Mohammed Didarul Alam Associate professor Department of Accounting Govt. City College, Chittagong. Submitted By MEHRAJ UDDIN Roll: 9799577 Reg: 1794467 BBA (Hon’s.) Second Year Department of Accounting Govt. City College, Chittagong. Letter of Transmittal Date: Mohammed Didarul Alam Associate professor Department of Accounting Govt. City College, Chittagong. Subject: Submission of Term Paper . Sir, It is a great pleasure and privilege to present the term paper “Performance Evolution of Private Sector Banks in Bangladesh through Deposit Mobilization - A Critical Analysis on Mutual Trust Bank Ltd.” which was assigned to me as a partial requirement for the competition of BBA (Hon’s.). Throughout the study I tried with the best of my capacity to accommodate as mush information and relevant issues as possible and tried to follow the instructions as you have suggested. I tried...
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...market: Mutual Fund: Bangladesh security and exchange commission is concern about activities of Mutual fund. According to the Securities and Exchange Commission (Mutual Fund) Rules, 2001 SEC can registers mutual fund. Later on 16 March 2009 SCE established Mutual Fund and SPV department. At present one mutual fund is listed in the private sector. There are two types of mutual funds 1. Open- Ended Mutual fund 2. Closed-Ended Mutual Fund The list of mutual funds in Bangladesh is given below Closed end mutual fund SL Name of the Mutual Fund Year of Floatation Face Value Fund Size (TK in Crore) 01 1st ICB 1980 100 Tk 0.75 02 2nd ICB 1984 100 Tk 0.50 03 3rd ICB 1985 100 Tk 1.00 04 4th ICB 1986 100 Tk 1.00 05 5th ICB 1987 100 Tk 1.50 06 6th ICB 1988 100 Tk 5.00 07 7th ICB 1995 100 Tk 3.00 08 8th ICB 1996 100 Tk 5.00 09 1st BSRS 1997 100 Tk 5.00 10 ICB AMCL 1st 2003 100 Tk 10.00 11 ICB AMCL Islamic 2005 100 Tk 10.00 12 ICB AMCL 1st NRB 2007 100 Tk 10.00 SL Name of the Mutual Fund Year of Floatation Face Value Fund Size (TK in Crore) 13 ICB AMCL 2nd NRB 2008 100 Tk 100.00 14 AIMS 1st Guaranteed 2000 1 Tk 16.80 15 Grameen Mutual Fund One 2005 10 Tk 17.00 16 Grameen Mutual Fund Two 2008 10 Tk 125.00 17 Prime Finance 1st 2009 10 Tk 20.00 18 EBL 1st 2009 10 Tk 100.00 19 ICB AMCL 2nd 2009 100 Tk 50.00 20 ICB Employees Mutual Fund One:Scheme One 2010 10 TK.75.00 21 Trust Bank 1st 2010 10 Tk.200.00 22 Prime Bank 1st ICB...
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...sustainable growth. The stock broking duties are now mostly taken up by major organizations and companies with greater skills and expertise along with customized services. Though the services of stock broking firms are customized they can by the nature of their existence be differentiated as brokers and corporations who mainly provide services such as: equity broking, debt markets broking, money markets broking, foreign exchange broking, portfolio management broking, research & advisory services, registrar & transfer services, depository participant services, mutual fund, stock trading etc., Industry Structure Origin: The origin of Mutual Fund industry in India is with the introduction of the concept of mutual fund by UTI in the year 1963. Though initially the growth was slow, but it accelerated from the year 1987 when non-UTI players entered the industry. In the past decade, Indian mutual fund industry had seen a...
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...MUTUAL FUNDING: IMPACT ON THE GHANAIAN ECONOMY A comparative study of two mutual funds companies in Kumasi DEPARTMENT OF BUSINESS STUDIES EDMUNDSON LAWRENCE KOBINA 1.0 INTRODUCTION 1.1 BACKGROUND TO THE STUDY Over the years in Ghana, the private sector has had it difficult raising capital and adequate funds for investment and other business activities, this led to the undertaking of a number of financial sector reforms by the government. The emergence of mutual funds into the Ghanaian financial sector has been as a result of these reforms. This is to facilitate capital generation and savings mobilization for the private sector to help them accomplish their organizational objectives. It has become evidently clear that, to achieve development in the economy in terms of high gross domestic product (GDP), a better per capita income, less unemployment and reduction in inflation, the private sector of the economy should be encouraged to lead in the generation of wealth. Capital for investment in this country (Ghana) is either sought for internally or externally but the Ghanaian government like its’ counterparts in other African countries have been relying heavily on external funds from developed economies and donor communities to be able to implement public sector development policies. This has not been so easy in recent years due to the diversification of these funds to countries such as China and other Asian countries that are now better...
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...EXECUTIVE- SUMMARY The primary objective of this project is based on a methodological study, as it required to me to understand Indian consumer behavior related to the investments in mutual funds. To execute the knowledge, I preferred to study about the mutual funds and some other popular investments options in India. Thus the first part of the project based on learning the following in details: ➢ About Religare ➢ Product and services of Religare ➢ Services and charges provided by Religare ➢ Consumer behavior ➢ Analysis of Investors profiles ➢ Some popular Investments options in India ➢ Mutual Funds ➢ Market survey and research. After undergoing the training about the products and operational features. I started exploring the product and contact the prospective customers by way of tele callings, emails, corporate presentations, road shows and by arranging canopy. My primary aim was to give better options to the prospective customers by offering them products specialized features and its unique incomparable qualities in the services provided by Religare securities limited. OBJECTIVE OF THE STUDY The objective of this research and survey is to know the Indian consumers behavior related to the investment in Mutual Funds. In this research & survey firstly I tried to analyze the various popular investment options available in India, and their strengths and weaknesses. Apart from this I also tried to find out the...
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...Introduction Mutual Funds industry in India In India the cause of mutual fund industry is with the overview of the perception of mutual fund, by UTI in the year 1963. However the growth was slow, but it earlier from the year 1987 when non-UTI companies arrived the industry. In the historical period, Indian mutual fund industry had realised an affected improvement, both superiority wise as well as measure wise. Before, the control of the market had realised an ending phase. The mutual fund industry can be generally put into four phases according to the growth of the sector. Each phase is temporarily defined as under. First Phase - 1964-87 Unit Trust of India (UTI) was established on 1963 by an Act of Assembly. It was set up...
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...ssA Summer Training Project Report ON “A STUDY ON MUTUAL FUND COMPANIES IN INDIA WITH SPECIAL REFERENCE TO RELIANCE MUTUAL FUND AND UTI MUTUAL FUND.” IN [pic] SUBMITTED TOWARDS THE PARTIAL FULFILMENT OF THE MASTER’S DEGREE IN BUSINESS ADMINISTRATION 2009-2011, AFFILIATED TO GAUTAM BUDDH TECHNICAL UNIVERSITY (GBTU), LUCKNOW UNDER THE GUIDANCE OF: Mr. Sanjeev Kumar Shukla (Cluster Head- Delhi/NCR) KARVY, Ghaziabad SUBMITTED BY: SUNIL KUMAR Roll No.: 0903070054 MBA- 3rd Sem. [pic] SCHOOL OF MANAGEMENT, INDERPRASTHA ENGINEERING COLLEGE, GHAZIABAD, 201010 DECLARATION I, SUNIL KUMAR the student of Master of Business Administration, IPEC- Semester 3rd (2009-11) hereby declare that, I have completed this project on “A STUDY ON MUTUAL FUND COMPANIES IN INDIA WITH SPECIAL REFERENCE TO RELIANCE MUTUAL FUND AND UTI MUTUAL FUND.” The submitted information is true & original to the best of my knowledge. Date: Student’s Signature Place: (SUNIL KUMAR) Roll No. 0903070054 ACKNOWLEDGEMENT Before we get into thick of things, I would like to add a few words of appreciation for the people who have been a part of this project right from its inception. The writing of this project has been one of the significant academic challenges I have faced and without the support...
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...Risk Ratios Risk Ratio of a bank expresses a bank’s position against business and financial risks.These show how the bank has managed to take provision against risky assets (financial risk) as well as how it’s income has varied (business risk) over a period of time. This takes into account all the component of risky assets. The income, loans against assets. Loans against deposits as well as provision for loan losses are highlighted to give a full view of the precaution taken and state against the various types of risks it faces. Risk ratio of Premier Bank Risk Ratio of MTB: A Comparative View 1. Net Interest Margin Net interest margin is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their (interest-earning) assets. It is similar to the gross margin of non-financial companies.It is usually expressed as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets) Net interest margin is also similar in concept to net interest spread, but the net interest spread is the nominal average difference between the borrowing and the lending rates, without compensating for the fact that the earning assets and the borrowed...
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...A COMPARATIVE ANALYSIS OF VARIOUS INVESTMENT AVENUES WITH RESPECT TO RISK & RETURN A Project Report Submitted in partial fulfillment of the requirements for the Award of Degree of E-MBA Submitted by : Prabhjeet Singh [pic] BHARATI VIDYAPEETH DEEMED UNIVERSITY, PUNE (INDIA) School of Distance Education (SDE) Academic Study Center : BVIMR, New Delhi (University established under 3 of the UGC act,1956) CONTENTS |S.No | |P.No. | | |Acknowledgement |2 | | |Certificate |3 | |1. |Introduction | | | |1.1 : Introduction |6-7 | | |1.2 Company Profile | | | |1.3 Industry Analysis |8-14 | | |1.4 Problem in the Organisation | | | |1...
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...A REPORT ON “CONSUMER BEHAVIOUR REGARDING MUTUAL FUND, TYPES OF MUTUAL FUND AND INVESTMENT PROCESS” BY MANOJ KUMAR (Enroll No. : 08BS0001652) SUNDARAM FINANCE LTD. Contract/Project/Job Number________________ A Report On “Consumer Behaviour Regarding Mutual Fund, Types Of Mutual Fund And Investment Process” By Manoj Kumar (Enroll No.:08BS0001652) Sundaram Finance Ltd. Date of Submission : May 2009 AUTHORISATION This is to certify that the internship project report titled “Consumer Behavior Regarding Mutual Fund, Types of Mutual Fund and Investment Process” is a bonafide work of Manoj Kumar in original. This report has been prepared under constant supervision in partial fulfillment of the requirement of IBS for the award of MBA Degree for the period of three months (Feb 2009 to May 2009). This project report neither full nor parts has ever before been submitted for awarding of any degree by this B-School or any other B-School. Prof. Puja Aggarwal Mr. Satyapal Faculty IBS Noida Territory Manager- General Insurance Sundaram Finance Ltd. 605-606, Sixth Floor, Ashoka Estate, 24 Barakhamba Road, New Delhi Date : Date : CERTIFICATE OF COMPLETION OF INTERNSHIP PROGRAM This is to certify that Mr. Manoj Kumar has successfully completed the Summer Internship Programme in Sundaram Finance Ltd. for the duration of 3 months (February 09 to May 09) under the supervision of ...
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...Report On “Mutual Funds and their role in portfolio management” Submitted in partial fulfillment of the requirement of Certification Course in Capital and Financial Markets Submitted by: Name: Karthik L.Reddy Roll No. 5 OCPCFM Batch June 2012 Under the Guidance of: Dr. J. Symss Indian Institute of Foreign Trade New Delhi 1 INDEX Serial No. 1 2 Executive summary Objectives Introduction Advantages and Disadvantages Types of Funds Managing a portfolio of funds MF industry in India Topic Page Numbers 4 5 6 9 12 15 21 26 27 28 4 Chapters 5 6 7 Conclusion References Appendix 2 APPENDIX Appendix No. Appendix 1 Appendix 2 Appendix 3 Description Major MF Companies in India and Top Funds Introduction to AMF India Knowing the Prospectus Page Numbers 28 31 33 3 EXECUTIVE SUMMARY This report – “Mutual Funds and their role in portfolio management” would help the readers take advantage of an excellent investment vehicle: mutual funds — the best of which offer you diversification, which reduces your risks, and low-cost access to outstanding money managers, who boost your returns. The topic has been chosen to provide a detailed introduction to the world of mutual funds along with the jargon associated with it, the various types of mutual funds available in today’s market. Mutual funds play a vital role in any investment portfolio. So managing a portfolio of funds becomes very critical for any investor – small or big, short-term or long-term...
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