Pooja 9892124323 : Call Girl in Juhu Escorts Service Free Home Delivery
Southern university bangladesh.
1. Customer perception of banking services and business
growth of private commercial bank.
Name Md Tasrif Masruf Khan.
ID:111-43-255
Department :Business Administration .
Southern University Bangladesh
2. Branch Introduction.
Branch Location :Panchlaish, Shugandha Moor.
Branch Name :First Security Islami Bank .
Employee Number: 21.
Banking Type :Commercial Shariah Islami Banking.
Branch Manager: Sultana Nazneen.
Favvp: saiful Islam.
Business Type: Lc,tt,drafting,payorder,deposit,cash Withdrawal,remittence
Banking Process Type: General ,Cash ,
Banking Hour:9 Am To 6 Pm.
3. Objective of the study
• Objective of the study
• 1.To identify the liability products of sample branch.
• 2.To explore the asset products available in sample branch.
• 3.To explore the promotional activities of sample branch.
• 4.To examine the present growth of liability products and examine the
present growth of asset products.
• .5.To observe the customers perception of banking service in the sample
branch.
4. Benefits of the study.
• Bank
• The bank management will be well concerned regarding the
products which are more success full in the sample branch. Even
they can easily have an overview of the current status of
business performance in the sample branch. They can take the
necessary initiative for utilizing other popular products as well.
• Customer
• Customers will also be benefited by the report by having the
knowledge of the available banking products in the sample
branch .besides they can easily decide to choose the
appropriate product for them with the overview of current
growth of deposit & loan products and projected growth in the
future as well.
5. Limitations of the study.
Inspite of my best effort, I expect some shortcomings may prevail in this report. these are used by
some limitations that are stated below:
1. 1.Being new in the field of research ,some lacking may remain in the report Being new in the field of
research ,some lacking may remain in the report.
2. 2.The duration of our internship program is only 3 months .the allocated time was hardly sufficient
for me to gather knowledge and to make the study complete and fruitful one.
3. 3.As internal records were confidential ,so it was difficult to manage all necessary data.
4. 4.This report only focuses on the business growth of sample branch ,not the overall performance of
the bank.
5. Couldn’t take any photographs of particular branch lack of camera.
Therefore hope that the study will be evaluated with an approach subject to the recognition of the.
above-mentioned shortcomings.
6. Liability products.
DEPOSIT PRODUCT. CREDIT PRODUCT. CARDS.
Mudraba saving deposit. Commercial
General.
Gold international
Silver international.
Gold local .
Wadiah current account. Car loan.
Capital machinery.
1 month FDR
3 months FDR
6 months FDR
12 months above FDR
Professional loan
Consumers loan.
Monthly saving scheme mudarabah.
NMS
MDS
7. Branch Introduction.
Branch Location :Panchlaish, Shugandha Moor.
Branch Name :First Security Islami Bank .
Employee Number: 21.
Banking Type :Commercial Shariah Islami Banking.
Branch Manager: Sultana Nazneen.
Favvp: saiful Islam.
Business Type: Lc,TT,drafting,payorder,deposit,cash Withdrawal,remittence.
Banking Process Type: General ,Cash ,
Banking Hour:9 Am To 6 Pm.
8. Objective of the study
• Objective of the study
• 1.To identify the liability products of sample branch.
• 2.To explore the asset products available in sample branch.
• 3.To explore the promotional activities of sample branch.
• 4.To examine the present growth of liability products and examine the
present growth of asset products.
• .5.To observe the customers perception of banking service in the sample
branch.
9. Benefits of the study.
• Bank
• The bank management will be well concerned regarding the
products which are more success full in the sample branch. Even
they can easily have an overview of the current status of
business performance in the sample branch. They can take the
necessary initiative for utilizing other popular products as well.
• Customer
• Customers will also be benefited by the report by having the
knowledge of the available banking products in the sample
branch .besides they can easily decide to choose the
appropriate product for them with the overview of current
growth of deposit & loan products and projected growth in the
future as well.
10. Limitations of the study.
Inspite of my best effort, I expect some shortcomings may prevail in this report. these are used by
some limitations that are stated below:
1. 1.Being new in the field of research ,some lacking may remain in the report Being new in the field of
research ,some lacking may remain in the report.
2. 2.The duration of our internship program is only 3 months .the allocated time was hardly sufficient
for me to gather knowledge and to make the study complete and fruitful one.
3. 3.As internal records were confidential ,so it was difficult to manage all necessary data.
4. 4.This report only focuses on the business growth of sample branch ,not the overall performance of
the bank.
5. Couldn’t take any photographs of particular branch lack of camera.
Therefore hope that the study will be evaluated with an approach subject to the recognition of the.
above-mentioned shortcomings.
11. Liability products.
DEPOSIT PRODUCT. CREDIT PRODUCT. CARDS.
Mudraba saving deposit. Commercial
General.
Gold international
Silver international.
Gold local .
Wadiah current account. Car loan.
Capital machinery.
1 month FDR
3 months FDR
6 months FDR
12 months above FDR
Professional loan
Consumers loan.
Monthly saving scheme mudarabah.
NMS
MDS
Car loan.
Capital machinary.
Different equipments.
Gas diesel generator and power plant.
Medical equipments.
Information technology equipments.etc
12. SCHEME DESCRIPTION.
• Liability products and services:
• Mudarabah savings deposit:
• The scheme is specially designed for the benefit for customers. The note able characteristics are
• Interest rate of 3.00% on minimum monthly balance.
• Minimum balance tk 1000
• Maintenance charge yearly tk 400.
• No hidden costs.
• Standing instruction arrangement are available for opening Account.
• Wadiah current deposit
• Fsibl offers customer current deposit facility for day to day business transaction without any restriction. the main characteristics
are
• Minimum maintenance charge half yearly tk 500
• Minimum balance tk 1000
• No hidden costs .
• Easy access to our other facilities.
• Standing instruction arrangement are available for opening account.
13. SCHEME DESCRIPTION.
• special notice deposit:
• FSIBL offers interest on customers special notice deposit account and gives facility to withdraw money any
time. the important characteristics are
• Minimum maintenance charge half yearly taka 500.
• Standing instruction arrangement are available for opening account.
Fixed deposit:
• FSIBL offers fixed term savings that will scale up your savings amount with the time .the notable
characteristics are
• Any amount can be deposited .
• Premature encashment facility is available.
• Overdraft facility available against term receipt.
• Millionaire deposit scheme:
• It is an attractive offer for monthly installment which benefit can get after 5, 7, and 10 years .The benefit is equal to 10 lac .
• The return & conditions are given bellow-
• Deposit of fixed monthly amount for 5,7 or 10 years.
14. SCHEME Description.
• School Banking deposit:
• This special service is offer students bellow 18 years .the main aim behind this offer is to make the mind if
students for savings .
• Any students bellow 18 years can open the account.
• The account holder can deposit any amount at any time of month .
• This account need not too pay any service charge.
• School Banking deposit:
• This special service is offer students bellow 18 years .the main aim behind this offer is to make the mind if
students for savings .
• Any students bellow 18 years can open the account.
• The account holder can deposit any amount at any time of month .
• This account need not too pay any service charge.
15. SCHEME Description.
School Banking deposit: school Banking deposit:
• This special service is offer students bellow 18 years .the main aim behind this offer is to make the mind
if students fo savings
• Any students bellow 18 years can open the account.
• The account holder can deposit any amount at any time of month .
• This account need not too pay any service charge.
• Under 18 years student can open the account but no withdrawal allowed.
• But if student opens the account with parents then cheque book provide to him.
• ATM CARD :
• ATM service is the dynamic process of electronic technology in modern banking.fsibl has elevated
services to the highest standard by bringing Electronic banking and ATM services at doorstep of clients.
• Payment facility for 24 hours a day.
• Arrangement for payment of bills.
• Instant inquiry.
• Multiple location facility Dhaka,Chittagong,and sylhet & many other location of Bangladesh.
• Power card :
• In Bangladesh FSIBL has introduced the power card .the use of power card is very easy and the .
16. SCHEME Description.
Deposit product Credit product Cards.
Mudarabah savings
deposit.(savings)
Cash credit
Overdraft.
Gold international
Silver international.
Gold local
Power cards.
Wadiah current account House building loan
Commercial
General
EHBL.
Monthly saving scheme mudarabah.
NMS
MDS
NMS
Retail loan
Professional loan
Consumers loan.
Education loan
17. Cash facilities.
Cash credit :
• This type of loan is very familiar for the business person .this type of loan is disburse against the
stock of the firm to meet up working capital requirement. Cash credit loan is two kinds. one is cash
credit hypo and another is cash credit pledge.
• Secured overdraft (SOD):
• The word overdraft means the act of overdrawing from the bank account .in other words ,the
account holder withdraws more money from the current account than has been deposited in it. the
loan holder can freely Money from this account up to the limit and can deposit money in the
account.
• Term loan
• This type banks lend money in this mode when the repayment is sought to be made in fixed
,predetermined installments. These are the loans sanctioned for repayment in period more than one
year.
• Short term loan
• Term loan extended for short period usually up to one year as STL.this type of loan may or may not
have specific repayment schedule. However STL with repayment schedule is preferable. suppose
18. Cash facilities.
• Lease finance: These types of finance are made to acquire the assets selected by the borrower
(lessee) for hiring of the same at certain greedterms and conditions with the bank (lesser).in this
case bank .
Retail banking loan:
• retail loans are given for personal usage rather than for business purposes. by fulfilling the terms
and conditions of the bank it includes.
• Professional loan.
• Consumers loan.
• Education loan.
Car loan:
• Car loan is another popular loan given under lease finance .in this case any individuals can apply
for this type of loan by fulfilling the terms and condition of the bank .
• House building loan:
• Fsibl also offers house building loan for both residential Y commercial purpose. to get the loan the
individual have to mortgage the property to the bank.
19. Cash facilities.
• House building loan
• Fsibl also offers house building loan for both residential Y commercial purpose.to get the loan
the individual have to mortgage the property to the bank. it facilitate the general people to
build a home as per his dream. to obtain the loan it is essential to submit permission from
competent authority.
• Loan general
• This type of loan is used to facilitate the industrial loan for long term .it also used for
converting short time loan to long term loan. to reschedule any demand loan or continuous
loan the banker open Loan general in flavor of the borrower.
20. Cash facilities.
• Promotion and Promotional Mix
• 1.Personal selling:
• Basically personal selling is one to one communication between seller and prospective purchaser. it
generates direct contact with prospects and customers.
• Advertising :
Advertising is a form of non personal promotion .it is when companies pay to promote ideas, good, or
services in a variety of media outlets. It can be found everywhere .with advertising a company engages in a
one way communication to the prospect or customer.
21. Cash facilities.
Public relations activities enable an organizations to influence a target audience .Most of the time ,public
relation campaigns try to create a favorable image for a company ,its products , campaigns try to create a
favorable image for a company ,its products ,or its policy companies give new release to announce
newsworthy developments about a companies products or service.
25 LAC TAKA DONATION AT ARMY
FOUNDATION.
22. To examine the present growth of liability product
Year Examining quotation Amount Comment
1.2015-2016 Current deposit amount. 4.06 and 4.62. Upward
2.2015-2016 Present customer growth. 100 and 120. Upward
3.2015-2016 Saving deposit tk (crore) 2.88 and 2.96 Upward
3.2015-2016 Saving deposit account
growth.
137 And 197. Upward
4.2015-2016 special notice deposit. 0.87 and 0.93 Upward
5.2015-2016 Special notice deposit taka. 109 and 120. Upward
6.2015-2016 MONTHLY DEPOSIT SCHEMES
(MSS,NMS,MDS)TK CRORE
3.09 and 4.50. Upward
7.2015-2016 FSIBL monthly deposit
schemes(MSS,NMS,&MDS)
270 and 300. Upward
8.2015-2016 Mudarabah Money Double
(crore)
0.95 and 1.20 Upward
9.2015-2016 Monthly income /earnings
scheme (MIS & MES)
GROWTH.
350 and 400 Upward
10.2015-2016 Fixed deposit receipts (FDR). 30 and 35 Upward
