This is the presentation slide of my internship report that I have completed for the partial requirement of my MBA degree. This slide is thoroughly monitored and supervised by Md. Mahmudul Huq sir. I have created this slide based on my internship at Southeast Bank Ltd (14th February - 12th May 2022). This slide is based on foreign exchange, foreign trade, imports, exports, analyses, remittances, etc. Please feel free to share this as much as possible.

1. Welcome to
My Presentation
“In banking or finance, trust is the only thing you have to sell.”
― Patrick Dixon

2. Supervised by:
Md. Mahmudul Huq
Assistant Professor
Faculty of Business
ASA University Bangladesh
Prepared by:
Mohammad Faheem Hasan
ID: 21-1-14-0021
Batch: 42nd
Program: MBA
Major: Finance
Faculty of Business
ASA University Bangladesh

3. “Foreign Exchange Activities of
Southeast Bank Ltd.”

4. Introduction
 The foreign exchange market is the market
where the currencies are traded. A currency is
the money of a country. It serves as the
country's legal tender, the medium with which
debts can be discharged and taxes can be paid.
 The foreign exchange market is the largest
component of the international capital market.
Foreign Exchange is traded everywhere; there is
a banking center. A large and diverse group of
market participants are active in the foreign
exchange market.
 As a general rule, every country has its own
currency, though there are some prominent
exceptions. By extension, practically every
country has a central bank. (DeRosa, David F.
2009).

5. Objectives of the Study
General Objectives:
 To examine the foreign exchange activities of
Southeast Bank Ltd. (SEBL)
Specific Objectives:
 To identify the foreign exchange activities and
operations of SEBL.
 To understand the key outlines of the bank’s
foreign exchange business.
 To perceive the foreign correspondents of SEBL
 To identify certain SEBL concerns, with an
emphasis on the foreign exchange department.
 To make recommendations for remedies to the
SEBL’s challenges in foreign exchange
operations.

6. Methodology of the Study
Primary Sources of Data:
 Work in several areas within the general banking sectors.
 Interact with staff and employees; and
 Direct communication with clients.
Secondary Sources of Data:
 Annual Reports of SEBL.
 Monthly Reports.
 Documents that have been published.
 Books and journals on foreign exchange that are relevant.
 Different tables and bar charts have been used to interpret the
data and draw inference from there.

7. Company Overview
 SEBL is private sector scheduled commercial
bank (PCB).
 Founded as a Public Limited Company on
March 12, 1995, under the Companies Act
1994.
 SEBL is a second-generation private bank.
 Has 133 branches and 131 ATM booths
across Bangladesh.
 Has real-time, online transactions services
and other banking facilities.

8. Fundamental Principles of SEBL
Core
Values
Integrity
Harmony
Courtesy
Fairness
Commitment
Insight
and Spirit
Business
Ethics

10. Import Business
Year 2016 2017 2018 2019 2020 Average STD
Import
Business
171,531.73 215,379.77 242,294.80 248,901.33 221,823.40 219986.21 30439.24
Growth
Rate
25.56% 12.50% 2.73% -10.88%
171,531.73
215,379.77
242,294.80 248,901.33
221,823.40
0.00
50,000.00
100,000.00
150,000.00
200,000.00
250,000.00
300,000.00
2016 2017 2018 2019 2020
Import Business

11. Export Business
Year 2016 2017 2018 2019 2020 Average STD
Export
Business
146,606.09 167,562.98 190,402.80 205,907.10 176,419.60 177379.71 22515.10
Growth
Rate
14.29% 13.63% 8.14% -14.32%
146,606.09
167,562.98
190,402.80
205,907.10
176,419.60
0.00
50,000.00
100,000.00
150,000.00
200,000.00
250,000.00
2016 2017 2018 2019 2020
Export Business

12. Total Foreign Remittance Analysis
Year 2016 2017 2018 2019 2020 Average STD
Total
Foreign
Exchange
64,665.8
4
95,405.43 116,803.00 138,272.00 129,887.10 109006.6
7
29598.72
Growth
Rate
47.54% 22.43% 18.38% -6.06%
64,665.84
95,405.43
116,803.00
138,272.00 129,887.10
0.00
20,000.00
40,000.00
60,000.00
80,000.00
100,000.00
120,000.00
140,000.00
160,000.00
2016 2017 2018 2019 2020
Total Foreign Exchange Remittance

13. Return on Assets (ROA)
Year 2016 2017 2018 2019 2020 Average STD
ROA 0.88% 0.37% 0.69% 0.62% 0.47% 0.61% 0.001978
0.88%
0.37%
0.69%
0.62%
0.47%
0.00%
0.10%
0.20%
0.30%
0.40%
0.50%
0.60%
0.70%
0.80%
0.90%
1.00%
2016 2017 2018 2019 2020
Return on Assets (ROA)

14. Return on Investments (ROI)
Year 2020 2019 Average STD
ROI 0.52% 0.69% 0.61% 0.001202
0.52%
0.69%
0.00%
0.10%
0.20%
0.30%
0.40%
0.50%
0.60%
0.70%
0.80%
2020 2019
Return on Investment

15. Return on Equity (ROE)
Year 2016 2017 2018 2019 2020 Average STD
ROE 9.06% 4.46% 9.17% 8.56% 7.14% 7.68% 0.019722
9.06%
4.46%
9.17%
8.56%
7.14%
0.00%
1.00%
2.00%
3.00%
4.00%
5.00%
6.00%
7.00%
8.00%
9.00%
10.00%
2016 2017 2018 2019 2020
Return on Equity

16. Earnings per Share (EPS)
Year 2016 2017 2018 2019 2020 Average STD
EPS 2.66 1.11 2.13 2.11 1.81 1.96 0.56708
2.66
1.11
2.13 2.11
1.81
0
0.5
1
1.5
2
2.5
3
2016 2017 2018 2019 2020
EPS

17. Findings of the Study
 Southeast Bank is quite an expert in the
foreign trade handling of exports and imports.
 Southeast Bank is quite cautious in the trade
financing of exports and imports to prevent
any sort of fraud.
 Staff and employees in the foreign exchange
department do not receive adequate on-the-
job training.
 The Foreign Exchange Department of SEBL is
strictly controlled and monitored by the
Bangladesh Bank, however, owing to a lack of
expertise or experience on the behalf of the
officials, the rules and regulations are not
always followed correctly continually.
 To open a new L/C, the bank takes a long time
for the approval of a new client.

18. Recommendations
 Despite the fact that the Southeast Bank specializes in
export and import transactions, hence, it is crucial to
look after the foreign exchange department.
 Southeast Bank should be more cautious in its foreign
exchange activities to prevent more frauds and errors.
 The HR department of the bank should take immediate
steps now for the on-the-job training of the young,
brilliant, and active employees so that they can do and
complete their respective tasks successfully.
 In Bangladesh, SEBL is very traditional to post-shipment
finance although there are excessive limitations to
foreign trade. But if the bank took a bit more generous
place, exporters could easily come out of financial
limitations.
 To open a new L/C, the bank must take immediate steps
in advertising tactics to draw attention for approval to a
new client, which will raise total import and export
business.