The document provides recommendations and a conclusion for Shahjalal Islami Bank. It recommends introducing mobile wallets, addressing diminishing returns among employees, creating a livelier work environment, improving ATM and locker services, training more employees, speeding up processes like cheque authorization and debit card issuance, and increasing computer resources and swift services. It concludes that banks must focus on leading processes to reduce losses and increase revenue in order to become world-class in service quality and relationships to help customers grow successfully. While Shahjalal Islami Bank has shown development over years, it still has progress to make in order to remain competitive against native and multinational participants.

1. Recommendation and Conclusion
27 | P a g e
Shahjalal Islami Bank
6. Recommendation and Conclusion:
6.1 Recommendation
In the fast-developing world, it is very essential for each and everybody to build a strong
existence in the market and maximizing profit margin by nourishing the customer as much as
possible. As a bank the manager needs to recognize the strategy that align, suitable and match
the banks’ resources and capabilities to the demand of the environment in order to exploit the
opportunities as well as counter threat and to correct company flaw structure on the strength.
It is like a process containing corporate planning, routine analysis, facility delivery and
evaluation and review.
After completing my internship program in SJIBL, Progati Sarani Branch I think this
recommendation will help them to develop the level of customer satisfaction.
a) Introducing a Mobile Wallet: Mobile wallet (Google wallet, PayPal, Square wallet)
will be going to lead the world money market in the coming decade. In this fast
evolving world the bank needs to customize their customer benefit plan as early as it
is possible to become the market leader.
b) Diminishing Marginal Return: The number of employee is working at the same
floor is beyond the current requirement. So the company is possibly going to face the
diminishing return form their current employees.
c) Lively Work Environment: The work place is well furnished but not lively at all. I
will really appreciate if the bank can add some green sight and marine aquatic in that
regard. It will create the first impression as well as the employees will love to work in
it.
d) ATM Booth Service and Locker Service: ATM Booth service is very poor of SJIBL
compare to the other bank. So it has to be developed as early as possible. The number
of booth should be improved to fill up the customer’s demand. It has to be convenient
and available throughout the country. SJIBL has the locker service for their
customers. But it has only in head office. It should be improved at SJIBL. There are
many customer have come to take that service at their nearer branch.

2. Recommendation and Conclusion
28 | P a g e
Shahjalal Islami Bank
e) Number of Trained Employees: There are some employees untrained. That
decreases the efficiency of SJIBL. The number of untrained employees needs to
improve to serve the customer in a better way.
f) Cheque Authorization, Debit Card, Increase Loan Facility Process: Cheque
authorization process has to be developed to save the time of the customer. Debit card
has to be given to the new account holder within a short period of time and it should
be activated as early as it is possible. Sometimes customer opens bank account to get
fast service. Customers claim that the service of SJIBL is lengthy and it takes more
time to issue debit card and activation of it. SJIBL needs to pay attention to the
customers demand. It should increase the facility to increase the customer loan
products like car loan, personal loan, student loan and house building loan etc.
g) Increase the number of Computer and Introduce the swift Service: There is a
shortage of computer compare to the requirement. The branch has been located in a
prime location. So, introducing the swift service will increase the effectively of the
branch.

3. Recommendation and Conclusion
29 | P a g e
Shahjalal Islami Bank
6.2 Conclusion
Achievement in the banking professional mostly depends on the operative principal. Fewer
totals of loan losses and more revenue will be form leading processes. The more the income
forms the leading processes the more will be revenue of the bank. It wants to be a world-class
organization in terms of service quality and establishing relationships that help its customers
to develop and grow successfully. It will be the Bank of choice both for its employees and its
customers, the model bank in this part of the world.
Overall of my analysis I can say that produce and facilities are acceptable and continuously
trials of developing new products and services to match the exact requirements of the clients.
Over the years SJIBL has shown worthy development. But has discussed earlier, the world
will not conciliation for SJIBL, for that matter, neither native participants nor the
multinational ones. In this era when only the fittest endures, SJIBL wrap a long yard behind
form fitness. This is crucial time for SJIBL to combine the victory they have accomplished,
and go on with its mission. Otherwise “Committed to cordial service” will only be trickery to
them.