This document summarizes an internship presentation on the general banking operations of Pubali Bank Limited's Sitakunda Branch in Chittagong, Bangladesh. The presentation covers the bank's background, objectives of the study, methodology, limitations, company profile, products/services, SWOT analysis, key banking functions and departments, performance analysis of accounts and deposits over 2015-2019, and findings. It finds that while the number of accounts and deposit amounts have grown overall, remittances and profits fluctuated year to year, with profits declining in some years.

1. INTERNSHIP PRESENTATION
General Banking Operations of Pubali Bank Limited
A study on Sitakunda Branch, Chittagong
Topic:
Prepared by
Md. Abdul Mobin
EB-161006
BSS Honours, Department of Economics & Banking
Semester : Autumn 19
International Islamic University Chittagong

2. Chapter One: Introduction
1. Background of the study
Internship program has become the bridge for those who want to enter to
corporate level from the University life, through internship I got to know the
real working environment. The student gets the chance to work closely with
the people of an Organization and learn about the punctuality,
Responsibilities and Corporate culture of that Organization. It also allows
students to harness the skill, knowledge, and theoretical practice they learnt
in university. The great thing about internships is that it teaches young
professionals about the specific industries and companies they are interested
in. Even the experience of trying something new is extremely beneficial.

3. 1.2 Objectives of the study :
1. To analysis the general banking activities of Pubali Bank Limited,
Sitakunda Branch,Chittagong.
2. To analysis the performance of general banking operations.
3. To find out the problems (if any) relating to the general banking activities
of Pubali Bank Limited, Sitakunda Branch, Chittagong.
4. To recommend some suggestions based on findings.

4. 1.3 Methodology of the study :
The methodology of the study has been designed in the following ways:
The primary data has been collected in the following ways:
▪ Direct communication with clients
▪ Sharing the experience and knowledge of my colleagues.
The secondary data has been collected in the following ways:
▪ Annual report of Pubali Bank Ltd.
▪ Website of Pubali Bank Ltd.

5. 1.4 Limitations :
▪ The time frame, Three months, is insufficient to know all activities of the
Branch and prepare the report.
▪ It was difficult to collect the information From various personnel for Their
job constraint.
▪ Lack of experience as I had no experience of internship. So experience is
one of the main constraints of the study.
▪ Omissions and error may be there due to lack of my prior experience in
preparing a professional report like this one; nevertheless I Have tried
utmost to avoid mistake.

6. Chapter Two : Company Outline
Name of The Company Pubali Bank Limited
CEO and Managing Director Mr. Abdul Halim Chowdhury
Legal Status Private Limited Company
Registered Office PUBALI BANK LIMITED Head Office, 26, Dilkusha Commercial
Area, Dhaka-1000. G.P.O Box Number: 853
Authorities Capital TK 20000.00 Million
Paid – up Capital TK 9983.44 Million
Reserve TK 17393.66 Million
Number of Branches 482
Website www.pubalibangla.com
Services Retail Banking, Ancillary Service and Online Banking Service
2. 1 Corporate information :

7. Vision
To excel as BEST PRIVATE COMMERCIAL BANK in bank with meticulous
observance of rules and regulations and ensure commitment to corporate
social responsibilities.
Mission
1. Fast and accurate customer service.
2. Balanced growth strategy
3. High standard business ethics.
4. Attract and retain quality human resource.
5. Firm commitment to the society and the growth of national economy.
6. Innovative banking at a competitive price.

8. 2.2 Organization :
Pubali bank limited is a leading private commercial Bank. Which started Pubali bank
limited is a reputed private commercial bank established on May 20,1984. Open the
branch at 26 Dilkusha commercial area (local office) p.sMotijheel district Dhaka. within
very short period of time it has been able to create an image for itself and has earned
significant reputation in the country’s banking sector as a bank of vision. presently it has
486 branches, General and competitive banking service to its clients.
Head Office
GM Office
Area Office
Regional Office
Branches
Hierarchy :

9. 2.3 Banking products and services :
The bank has diverse products and services in the competitive sector of bank that lead
fourth generation existing in the industry.
1) Consumer banking
a. Consumer Liabilities products
1. Deposits Account
2. Term Deposits
3. DPS
b. Consumer Asset products
1. Car loan
2. Flat purchase loan
3. Medical equipment loan
2) SME banking
a. PBL Sujon rin.
b.. PBL Suborno rin.
c. PBL Kormo uddogh rin.
d. Pubali Prochesta.
3) Islamic Banking
a. Al wadeeah current Account
b. Mudaraba saving Account
c. Mudaraba Hajj saving Account

10. 2.4 SWOT Analysis of Pubali bank limited.
Threats :
• Uses of modern technologies by the rival
banks.
• Political unrest and government restricted
banking strategies.
• The number of rivalry is too high into the
banking industry.
• Better developed card Division of other private
banks.
• Newly privatized and foreign banks.
Opportunities :
• Reliability to local public.
• Industry’s positive growth.
• In case of fund crisis Pubali Bank gets
government support.
• Expansions of new investment areas.
Strength :
• Good banker-Customer relationship.
• Bank’s assets position is quite satisfactory and
now there is no fund crisis.
• Branch location is suitable for businesses.
• Being a nationalized banking organization, it
always gets government support in all of its
operations.
Weakness :
• Existing manual vouchers.
• As many employers retired from the bank,
there is a crisis for manpower in the bank.
• Some employees do not maintain courtesy.
• Low salary structure for the employees.
SWOT

11. Chapter Three
General banking operations performing by Pubali Bank limited
3. Introduction
General banking department performs the core functions of bank, operates day-to-day
transactions of banking operation. Every day it receives deposits from customers and
meets their demand for cash . It opens new accounts, remits customer’s money from one
place to another through issuing bank draft, pay order, telegraphic transfer, collects all bill
like Local cheque collection, Inward bill collection and outward bill collection for
customers. Since bank is bound to provide these services every day, General banking is
also known as retail banking.

12. 3.1 Functions of General banking :
The specific functions of general banking are as follows:
▪ Establishing of banker-customer relationship through account opening.
▪ Dispatching customer’s money from one place to another.
▪ Taking deposits.
▪ Honoring cheques.
▪ Clearing cheques.
General Banking
Accounting
Opening
Section
Remittance Cash Section
Clearing
Section
Account

13. 3.2.1 General banking operations of Pubali bank limited, Sitakunda
Branch, Chittagong :
As far as Pubali Bank Ltd is concerned, it is one of the top in all-domestic commercial
banks in Bangladesh. Pubali Bank Ltd. extends all the Banking facilities and services to
customer. The Bank has a very wide network of activities and Services both in urban and
rural areas through its 486 branches all over the country.
However, Pubali Bank Ltd- Sitakunda branch works with mostly all banking operations,
which are normally performed by every commercial bank.
It has basically following departments under which it operates all functions of bank
diligently.
These are mainly :
• Remittances department
• Clearing department
• Accounts department
• Cash department
• Credit department

14. Chapter Four: Performance Analysis
4. Introduction
From the beginning of the branch, it shows positive trends of it’s No. Of accounts, Rising
Deposits amounts and good profits also. The year wise no. Of Accounts, Deposit amounts and
growth rates are shown Below with the table and graphical representations.
4.1 Current Account (CD)
Current Account
Year No of CD Account Growth Rate
2015 44 0.00%
2016 48 9.09%
2017 85 77.08%
2018 114 34.12%
2019 102 -10.56%
0.00%
9.09%
77.08%
34.12%
-10.56%
2015 2016 2017 2018 2019
-20.00%
-10.00%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
70.00%
80.00%
90.00%
Graphical Representations of the No. Of current
account shown Below
2015 2016 2017 2018 2019
Table year wise deposits and growth rates:

15. 4.2 Saving account
Table year wise No. of Saving Account
Saving Account
Year No of Saving Account Growth Rate
2015 341 0.00%
2016 338 -0.88%
2017 314 -7.10%
2018 430 36.94%
2019 409 -4.88% 0.00%
-0.88%
-7.10%
36.94%
-4.88%
-10.00%
-5.00%
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
35.00%
40.00%
2015 2016 2017 2018 2019
Saving Account
2015 2016 2017 2018 2019
The graphical representations of the no. of
saving account shown below

16. 4.3 Short Notice Deposits
Table year wise no. Of SND account The graphical representations of the no. of
SND account shown below
Short Notice Deposits
Year No. of SND Account Growth Rate
2015 1 0.00%
2016 2 100%
2017 5 150%
2018 12 140%
2019 5 -58.33%
0.00%
100%
150% 140%
-58.33%
-100.00%
-50.00%
0.00%
50.00%
100.00%
150.00%
200.00%
2015 2016 2017 2018 2019
Short Notice Deposits
2015 2016 2017 2018 2019

17. 4.4 Fixed Deposit Receipt
Table year wise no. of F.D.R The graphical representations of the no. of
FDR account drawn below:
Fixed Deposit Receipt
Year No of FDR Growth Rate
2015 17 0.00%
2016 20 17.65%
2017 19 -5%
2018 56 194%
2019 105 87.50%
0.00%
17.65%
-5%
194%
87.50%
-50.00%
0.00%
50.00%
100.00%
150.00%
200.00%
250.00%
2015 2016 2017 2018 2019
Fixed Deposit Receipt
2015 2016 2017 2018 2019

18. 4.5 Total Deposit amounts
During the year 2015, 2016, 2017, 2018 and
2019 the number of deposit accounts in
Pubali Bank limited Sitakunda Branch
increased in a pleasant manner. The figures
are given Below :
Graphical representations of the number of
total deposit amount
Total Deposit Amounts
Year Figure Growth Rate
2015 413278850.4 0.00%
2016 496640142 20.17%
2017 539159765 8.56%
2018 582949818.9 8.12%
2019 668433433 14.66%
0.00%
20.17%
8.56% 8.12%
14.66%
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
Year 2015 2016 2017 2018
Total Deposit Amounts
Year 2015 2016 2017 2018

19. 4.6.1 Deposit Mix in 2015:
In the year 2015 the deposit mix in
Sitakunda Branch increased in a pleasant
manner :
Diagram of mix deposits of Sitakunda
branch 2015:
Deposit Mix in 2015
2015 Amount Percent
age
SND 6906042.06 3.24%
Current Deposit 20085561.65 9.41%
FDR 110102818.31 51.59%
Saving 76309548.18 35.76%
Total Amount 213403970.2 100%
3.24%
9.41%
51.59%
35.76%
Deposit Mix in 2015
SND Current Deposit FDR Saving
4.6.1 Deposit Mix in 2015:
In the year 2015 the deposit mix in
Sitakunda Branch increased in a pleasant
manner :

20. Diagram of mix deposits of Sitakunda
branch 2016
4.6.2 Deposit Mix in 2016:
In the year 2016 the deposit mix in
Sitakunda Branch increased in a pleasant
manner :
Deposit Mix in 2016
2016
Amount
Percenta
ge
SND 7945106.09 3.17%
Current
Deposit
35783070.48 14.28%
FDR 101898949.3 40.68%
Saving 104869954.1 41.86%
Total
Amount
250497080 100%
3.17%
14.28%
40.68%
41.86%
Deposit Mix in 2016
SND Current Deposit FDR Saving

21. Diagram of mix deposits of Sitakunda
branch 2017:
4.6.3 Deposit Mix in 2017:
In the year 2017 the deposit mix in
Sitakunda Branch increased in a pleasant
manner :
Deposit Mix in 2017
2017
Amount Percentage
SND 7795343.89 2.85%
Current Deposit 35850673.36 13.11%
FDR 101965806.3 37.29%
Saving 127821300 46.75%
Total Amount 273433123.3 100%
2.85%
13.11%
37.29%
46.75%
Deposit Mix in 2017
SND Current Deposit FDR Saving

22. Diagram of mix deposits of Sitakunda
branch 2018:
4.6.4 Deposit Mix in 2018:
In the year 2018 the deposit mix in
Sitakunda Branch increased in a pleasant
manner :
Deposit Mix in 2018
2018
Amount
Percentag
e
SND 8901523.92 2.94%
Current
Deposit
35822242.4
4
11.83%
FDR
131693369.
3
43.49%
Saving
126414816.
4
41.74%
Total Amount 302831952 100%
2.94%
11.83%
43.49%
41.74%
Deposit Mix in 2018
SND Current Deposit FDR Saving

23. Diagram of mix deposits of Sitakunda
branch 2019:
4.6.5 Deposit Mix in 2019:
In the year 2019 the deposit mix in
Sitakunda Branch increased in a pleasant
manner :
Deposit Mix 2019
2019 Amount Percentage
SND 16523632.87 4%
Current
Deposit
68004906.91 18%
FDR 156767997.3 41%
Saving 143836779.9 37%
Total Amount 385133317 100%
4%
18%
41%
37%
Deposit Mix 2019
SND Current Deposit FDR Saving

24. Graphical representations of the growth
rate of Remittance below:
4.7 Remittance (Local)
During the year 2015,2016,2017,2018 and
2019 the number of remittances are
increasing sharply in Sitakunda branch.
Chittagong. The increasing is as follows :
Remittance
Year Amount of Remittance Growth Rate
2015 40682890 0.00%
2016 37290895.87 -8.34%
2017 37638104.17 0.93%
2018 55485261.81 47.41%
2019 75381659.2 35.86%
0.00%
-8.34%
0.93%
47.41%
35.86%
-20.00%
-10.00%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
2015 2016 2017 2018 2019
Remittance
2015 2016 2017 2018 2019

25. Graphical representations of the growth
rate of profit below:
4.8 Profit (General Banking)
Profit
Year Amount Growth Rate
2015 6678007.57 0.00%
2016 4942165.75 -26.21%
2017 3140431.53 -36.45%
2018 7943414.35 152.94%
2019 6825820.42 -14.07%
0.00%
-26.21%
-36.45%
152.94%
-14.07%
-50.00%
0.00%
50.00%
100.00%
150.00%
200.00%
2015 2016 2017 2018 2019
Profit
2015 2016 2017 2018 2019

26. Chapter Five: Findings, Recommendations and Conclusion
5.1 Findings
During internship period in Pubali Bank Limited at Sitakunda Branch, following problems
are identified:
▪ The number of CD & SND A/C increasing sharply during the year 2015 to 2019 . The
growth rate were positive during the year 2016-2018 , the percentage just fall short in
2019 from previous year.
▪ Majority percentage of deposit found in FDR & Savings during 2015 to 2019 .In
2015,2018 & 2019 the majority percentage of deposit found in FDR which were
51.59%,43.49% & 41% respectively . In 2016,2017 the majority percentage of share
found in Savings which were 41.86% & 46.75% respectively.

27. 5.1 Continuous..
▪ Profit is the main part of earnings on banking business. But the branch failed to
maintain positive growth rate in last five years except in 2018,which was of profit was
152.94%. In 2016,2017 & 2018 the growth rate were 26.21%,-36.445% & -14.07%
respectively. After
▪ fall of growth rate in two consecutive year branch managed to earn positive growth
rate in 2018 but the rate again fall in 2019.
▪ Remittance is very high in recent years. Negative growth rate found 2016 which was -
8.34% ;but after that branch was successful in maintaining a sharp positive growth rate.
The growth rate were 0.93%,47.41% & 35.86% in 2017,018 & 2019 respectively.
▪ The branch is very much successful in keeping a positive progress in the number of FDR
accounts during the year 2015 to 2019.In 2016 the growth rate was 17.65%.The rate
then slightly fall in 2016 which was -5%.After that by taking proper measures the rate
increase to 194% & 87.50% in 2018 & 2019 respectively. .
▪ Lack of manpower slows down to provide better services to its clients.

28. 5.2 Recommendations
In view of the facts, the following recommendations are made to the respective
concerned for their consideration and implementation:
▪ The branch needs to take some initiative so that higher authority allow them to
sanction a certain limit of loan amount when the clients require the loan within a short
time and by doing this it can earn clients reliability and trust. In the future these loyal
clients may do vast businesses with the bank.
▪ The bank may take the initiative measures to keep balance among deposit amounts.
This Will help to redeem the dependency on FDR and Savings amounts.
▪ By avoiding unnecessary expenditures may help the Bank to keep harmony in gaining
profit.
▪ The Bank should introduce prime rate for the best customers which will attract the
good customers. It is observed that sometimes irregular clients got facilities instead a
regular customer who does not get necessary facility.

29. 5.2 Continuous…
▪ General banking division should be divided into more sections because in General
banking division there are five sections which are directly related with customer. To
improve service for their clients bank should increase number of employees in general
banking division to provide better services. Bank should improve personal relationship
with their client through a well-structured general banking division.
▪ Pubali Bank should decrease the initial deposit amount of current account for better
customer satisfaction..
▪ Pubali Bank Limited needs more reception corner, which will provide all types of
▪ information. Sometimes customers face problem. If they will get the right information
at right time they will feel better.

30. 5.3 Conclusion
Banks play an active role for the development of the country. Pubali Bank Ltd has made
commendable improvement over the past years. I am proud to get an opportunity to
continue my internee and my career in my organization. I tried to gather experience in
General Banking and summarize all the information within the report. It will also be
helpful for the bank management if they carefully analyze the problem and consider
recommendation in this paper and take necessary actions for corrective measures.
General Banking is one of the main departments of any bank. To take any banking
services, one has to fulfill all the requirements of this department first. The nature of the
relationship between a banker and a customer depends upon the service rendered by the
personnel of general banking department. General Banking department usually give
optimum services to their customers though they have some limitations. If the
management of the bank can turn these limitations positively then they can attain the
ultimate goal. I am certain that the experience that I got through my internship in Pubali
Bank will help me a lot in my future banking profession.

31. Bibliography
• Profile of Pubali Bank Ltd.
• Annual Report of Pubali Bank Limited, 2015-2019.
• Articles of Pubali Bank Ltd.
• Website of Pubali Bank Ltd, Website: www.pubalibangla.com
• Different types of Voucher of Pubali Bank Ltd.

32. Thank You