The document provides an overview of Southeast Bank Limited, including its vision, missions, core values, strengths, competencies, business objectives, and commitments to clients. It then describes the bank's operational areas, departments, and organizational structure. The remainder of the document outlines the bank's credit management policies and procedures, including categories of loans, lending guidelines, the lending process from application to disbursement, the use of security, credit risk management, and risk grading system.

1. - 1 -
Chapter 1
Introduction

2. - 2 -
1.0 Introduction
1.1 Rational of the study: The internship report is an integral part of the BBA program
of every university. So it is compulsory to take such task by the students who to complete and
successfully end-up their BBA degree. It is also an opportunity for the students to minimize
the gap of their theoretical and practical knowledge. Students are required to work on a
specific topic based on their theoretical and practical knowledge acquired during the period
of the internship program and then submit it to the teacher. That is why I have prepared this
report.
1.2 Background of the organization: Southeast Bank Limited is a desires private
commercial bank in Bangladesh. Southeast Bank Ltd is a second-generation bank that was
established in 1995 with a dream and a vision to become a pioneer banking institution of the
country and contribute significantly to the growth of the national economy. The Bank’s
journey began when it was incorporated as a Public Limited Company on March 12. 1995.
The Registrar of Joint Stock Companies and Firms issued the Certificate of Commencement
of Business of the Bank on the same date. The Southeast Bank received its Banking License
from the Bangladesh Bank on March 23, 1995. The Bank’s first branch was opened by Late
M. Saifur Rahman, the then Honorable Finance Minister of the Government of the People’s
Republic of Bangladesh as the Chief Guest at the commercial hub of the country at 1,
Dilkusha Commercial Area, Dhaka on May 25, 1995.
The Bank s philosophy- “A Bank with Vision” has been preciously the essence of the legend
of its success. Within this 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 with
vision. Presently it has 98 branches in operation. Southeast Bank received “The Highest
Remittance Collection Bank Award 2012” arranged by the weekly Industry.
Company Vision:
To be a premier banking institution in Bangladesh and contribute significantly to the national
economy.

3. - 3 -
Company Missions:
 High Quality financial services with state of the art technology
 Fast customer services
 Sustainable growth strategy
 High ethical standards in business
 Steady return on shareholders’ equity
 Innovative banking at a competitive price
 Attraction and retention of quality human resource
 Commitment to Corporate Social Responsibility
Core Values:
 Integrity
 Respect
 Team Spirit
 Courtesy
 Commitment
 Service Excellence
 Business Ethics
Core Strengths:
 Professionally strong Board of Directors
 Strong Capital base
 Transparent and Quick Decision Making
 Satisfied Customers
 Skilled Risk Management
 Diversification
 Strong asset base
Core Competencies:
 Knowledge
 Experience and Expertise
 Customer orientation/ Focus

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 Pursuit of Disciplined Growth Strategies
 Reliability
Business Objective:
 Make sound investments
 Meet capital adequacy requirement at all the time
 Ensure a satisfied work force
 Ensure 100% recovery of all advances
 Focus on fee-based income
Commitments to Clients:
 Provide service with high degree of professionalism and use of modern technology
 Create long term relationship based on mutual trust
 Respond to customer needs with speed and accuracy
 Share their values and beliefs
 Provide products and services at competitive pricing
 Ensure safety and security of customers’ valuable in trust with us
Operational Areas:
Southeast Bank Limited Operations consist of:
 Real Time on line banking
 Credit and Debit Card
 ATM
 Commercial Banking
 Retail Banking
 Investment Banking
 Syndication and Mortgage Loan
 Foreign Remittance
Departments:
There are five types of departments into the southeast Bank Ltd. Such as-
 General Banking department
 Remittance department
 Foreign Exchange department

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 Credit department
 Cash department
Organizational Structure of Southeast Bank Ltd:
There are 14 levels in the bank which is classified into 3 parts. These are Top Management,
Mid level Management and Lower level Management. The organizational structure is
furnished below:
Managing Director (MD)
Deputy Managing Director (DMD)
Senior Executive Vice President
(SEVP)
Executive Vice President (EVP)
Senior Vice President (SVP)
Vice President (VP)
Assistant Vice President (AVP)
Senior Executive Officer (SEO)
Executive Officer (EO)
Senior Officer (SO)
Management Trainee (MT)
Junior Officer (JO)
Trainee Assistant (TA)
Top Management
Mid Level Management
Lower Level Management

6. - 6 -
1.3 Objectives:
1.3.1 Board Objective:
To analysis the policies and practices of credit management of the Southeast Bank Ltd.
1.3.2 Specific Objective:
 To evaluate the credit management system of Southeast Bank Ltd.
 To identify the potential problem of credit department of Southeast Bank Ltd.
 To provide some recommendation to improve credit management practices of
Southeast Bank Ltd.

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Chapter 2
Activities Undertaken

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2.0 Activities Undertaken
2.1 Work Related:
I started my internship program in Southeast Bank Ltd, Kakrail Branch on 2nd February,
2014. At first I worked in the general banking section and here my supervisor was Shamima
Nasrin (JO) who gave me an introduction on the account opening process. As my topic of
internship report is “Policies and Practices of Credit Management of the Southeast Bank
Ltd” and here my supervisor was Mohammad Khairuzzaman (EO). Although three
months is not a very long period to learn the whole thing that usually occurs in an
organization but I had plenty of opportunity to work and understand the sectors of credit
department. Now I am describing the activity of general banking and credit departments that I
worked during my internship period in the following:
1. General Banking Department
 Account opening specially savings and current account
 Pay Order (PO) FDR and DPS issue
 Issuance and Provide Cheque book
2. Credit department
 Prepare internal memo
 Bank authorization letter
 Loan expand letter
 Register book entry
 Check CIB (credit information bureau) report
2.2 Organization Wide:

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Credit Department:
A bank’s main earning source is credit. If bank’s credit management is not good then the
bank will never ever achieve its proper goals. Question may arise what are the proper
goals for the bank? The proper goals for the banks are profit maximization and
shareholder’s wealth maximization. The fundamental nature of credit is that an element of
trust exists between buyer and seller whether of good or money. The main use of bank
fund is to collect money from surplus unit and lend it to deficit economic unit.
Categories of Loans and Advances:
Continues Loan:
 Certain credit limit
 Contains expiry date for full adjustment
 No particular repayment schedule
 CC (Hypothecation & Pledge), OD etc.
Demand Loan:
 Repayable on demand by the bank
 Contingent or any other liability is converted to compulsory or forced loan without
any prior approval as regular loan.
 Forced LIM, FBP, IBP etc
Fixed Term Loan:
 Repayable within a specific period of time
 Repayable as per repayment schedule
 House building loans, projects loans etc
Personal loan:
Loan Limit Maximum Tenure
Maximum Tk. 50000 to Tk 5.00 lac 60 months (For SEBL employee 72 months)
Car loan:

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Loan limit Maximum Tenure
Maximum Tk. 3.00 lac to Tk. 20.00 lac
with Hypothecation of car
60 months (For SEBL employee 72 months)
Home loan:
Loan limit Maximum Tenure
Maximum Tk.2.00 lac to Tk. 75.00 lac 120 months for flat purchase/construction, 48
months for house (For SEBL employee 180
months)
SME Loan (Sopnil):
Loan limit Maximum Tenure
Max Tk. 5.00 lac to Tk. 25.00 lac 48 months
Lending Guidelines:
A prudent banker should always adhere to the following general principles of lending funds
to these customers.
 Background, Character and ability of the borrowers
 Purpose of the facility
 Term of facility
 Safety
 Security
 Profitability
 Sources of repayment
 Diversity
 Credit Control Policy of Bangladesh Bank

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The Lending Process:
The lending procedure starts with building up of relationship with customer through account
opening. The stages of credit approval are done both at the branches and at the Head Office
levels. The lending procedure as observed in Southeast Bank Ltd is described below in
sequential order.
Applications from the Credit Applicant:
A loan procedure formally starts with a loan application from a client who must have
an account with the Bank. At first it starts from the branch level. Branch receives
application from client for a loan facility. In the application client mentions what
type of credit facility he/she wants from the bank including his/her personal
information & 3rd business information. Branch Manager or the Officer-in-charge of
the credit department conducts the initial interview with the customer.
Credit proposal:
The branch starts processing the loan at this stage. Based on the analysis (credit
analysis) done by the branch, the branch prepares a loan proposal. The proposal
contains following important and relevant information:
 Name of the borrower(s)
 Nature of credit
 Purpose of credit
 Extent of credit
 Collateral Margin
 Rate of interest
 Repayment schedule
 Validity etc.
Collection of Documents:
Document is a written statement of facts and a proof or evidence in respect to a
particular transaction between parties. If Bangladesh Bank sends positive CIB report

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on that particular borrower and if the Bank thinks the prospective borrower to be a
good one, then the bank scrutinizes the documents.
Required documents are:
 Title deed
 Via deed
 Financial documents of the company for the last three to five years.
 Mutation certificate
 Personal net worth of the borrower(s).
 Duplicate carbon receipt
 Khatians
 Ground rent payment receipt
 Holding tax payment receipt
 Utility bills
Importance of documentation:
 To protect the interest of the bank from any distress situation
 To take legal action against the borrower in case of default
 For safety and liquidity of depositors money
 To create charge of the asset of the borrower to recover loan in case of need
Steps of documentation:
 Obtaining the instruments
 Stamping
 Execution
 Witnessing
 Registration
 Preservation
Kinds of Stamps:
 Judicial
 Adhesive
 Non Judicial

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 Adhesive
 Revenue stamp
 Embossed/Engrossed stamp
Obtaining CIB Report:
After receiving the loan application from the client, the bank sends a letter to Credit
Information Bureau of Bangladesh Bank for obtaining a credit inquiry report of the
customer. This report is called CIB (Credit information Bureau) report. This report is
usually collected if the loan amount exceeds any amount. The purpose of this report
is to be informed whether or not the borrower has taken loans and advances from any
other banks and if so, what the status of those loans and advances is i.e., whether
those loans are classified or not.
Evaluation of CIB Report:
Bangladesh Bank provides Credit Information Bureau (CIB) Report to banks and
other financial institutions. This report is about borrowers having outstanding loan
balance of Tk. 1.00 ac and above with scheduled banks and non-bank financial
institutions. It contains the following information:
 Debtor/borrower information (outstanding loan balance and loan classification
status) Owner information
 Group/related business information
 Credit Exposure Matrix/financial information
 Third party guarantors information
Southeast Bank uses CIB Report as part of its credit appraisal procedure. It serves as
a useful tool to assess borrower’s credit standing and loan repayment behavior.
Head Office Management Committee:
Head office processes the credit proposal and afterwards puts forward an office note
if the loan is within the discretionary power of the Head Office Management
Committee or a memo to the Board/Executive Committee if the loan requires
approval from the Board of Directors

14. - 14 -
Sanction Advice:
If Head Office Management Committee or the Board, as the case may be, approves
the credit line, an approval letter is sent to the branch. The branch then issues a
sanction letter to the borrower with a Duplicate Copy. The duplicate copy duly
signed by the borrower is returned to the branch of the bank. This duplicate copy
returned by the applicant proves that the borrower agrees with the terms and
conditions of the credit line offered by the bank.
Collection of Charge Documents:
After issuing the sanction advice, the bank collects necessary charge documents.
Charge documents vary on the basis of types of facility, types of collateral etc.
Sanctioning of Credit at Branch level:
 If the proposal meets SEBL lending criteria and is within the manager’s
discretionary power, the credit line is approved. The manager and the
sponsoring officer sign the credit line proposal and issue a sanction letter to
the client.
 If the value of the credit line is above the branch manager’s limit then it is
send to Head Office for final approval with detailed information regarding the
client(s), credit analysis and security papers.
Disbursement Loan:
Finally loan is disbursed by the branch through a loan account in the name of the
borrower and monitoring of the loan starts formally.
The entire process can be shown in the following flow chart:
Collect client documentsSend request letter to client Check CIB report

15. - 15 -
Security:
Security means acquiring a claimed on an asset so that if repayment is not made as per
schedule the assets taken as security can be used to obtain repayment. Security are considered
as insurance against emergency.
Types of securities
 Immovable properties
 Movable properties
Creation of charge on security:
Pledge: When goods are delivered by a borrower to a banker as security for debt the delivery
is termed as a pledge.
Hypothecation: In hypothecation goods remain in possession of the borrower. But the
hypothecation deed provides the banker the power to take the goods in possession if needed.
In case the banker exercises such power the hypothecation will take the form of a pledge.
Mortgage: Mortgage is created by a registered deed and gives the mortgage the right of sale
in case of default.
Lien: Right to retain the goods of the borrower until the debts are repaid but not the power to
sell unless there is a written right to sell the goods.
Credit risk management:
Loan disbursement
Branch sanction Send proposal to Head
office
Sanction to credit committee &
board meetting

16. - 16 -
In 2003 Bangladesh Bank a project to review the best practices in different risk areas in
banking industry of Bangladesh. Credit is one of the important risks. Credit risk grading is
the basic module for developing a credit risk management system.
Credit risk grading:
Credit risk grading is an important tool for credit risk management as it helps the bank &
financial institutions to under various dimensions of risk involved in different credit
transaction.
Feature of credit risk grading manual:
 The risk grading in short reelects the underlying credit risk of loan book.
 The credit risk grading system is a vital to take decisions both at the pre-sanction
stage as well as post-sanction stage.
 It helps identifying the parameter which has improved by comparing with earlier risk.
 Computation of future lower loss provision.
The following is the proposed credit risk matrix based on total score obtained by an obligor:
Grading Short name Score
Superior SUP 100% cash covered
Good GD 85+
Acceptable ACCPT 75-84
Marginal/Watch list MG/WL 65-74
Special Mention SM 55-64
Sub-Standard SS 45-54
Doubtful DF 35-44
Bad & Loss BL <35
Superior:
 Credit facilities which are fully secured i.e. fully cash covered
 Credit facilities fully covered by government guarantee

17. - 17 -
Good:
 Strong repayment capacity of borrower
 The borrower has excellent liquidity and low leverage
 Aggregate score of 85
Acceptable:
 Borrowers have adequate liquidity, cash flow and earning
 Aggregate score of 75-84
Marginal/Watch list:
 Borrowers have an above average risk due to strained liquidity.
 Account conduct is poor
Special Mention:
 This grade has potential weakness that deserve managements close attention
 Severe management problems exist.
Sub Standard:
 Financial condition is weak
 These weaknesses jeopardize the full settlement of loans
Doubtful:
 Full repayment of principal and interest is unlikely and the possibility of loss is
extremely high
Bad & Loss:
 Credit of this grade has long outstanding with no progress in obtaining repayment.
Credit Risk
Financial Business Management Security Relationship

18. - 18 -
Risk (50%) Risk
(18%)
Risk (12%) Risk
(10%)
Risk (10%)
 Leverage
(15%)
 Liquidity
(15%)
 Profitabili
ty (15%)
 Coverage
(5%)
 Size of
Busines
s (5%)
 Age of
busines
s (3%)
 Busines
s
outlook
(3%)
 Industr
y
growth
(3%)
 Market
compet
ition
(2%)
 Barrier
s to
busines
s (2%)
 Experien
ce (5%)
 Successi
on (4%)
 Team
work
(3%)
 Security
coverag
e (4%)
 Collater
al
coverag
e (4%)
 Support
(2%)
 Account
conduct
(5%)
 Utilizatio
n
Of limit
(2%)
 Complian
ce of
condition
(2%)
 Personal
deposits
(1%)
Credit risk solution:
 Rating of corporate clients
 Client selection procedure and strong monitoring
 Taking higher collaterals and margin to reduce the credit risk
 Properly select borrower category and exposure
 Limits for SME and RT clients should be given on the basis of cost benefit
relationship

19. - 19 -
 Timely reporting

20. - 20 -
Chapter 3
Challenges and
recommendations for
improvement

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3.0 Constraints/Challenges and Proposed Course of Action for
Improvement
While doing internship in SEBL I faced a newer kind of experience. This acted as a barrier to
conduct the program. The limitations were:-
3.1 Organizational Constraints:
 In general banking system they follow the traditional banking system.
 In case of online banking service SEBL Bank is clearly in down position like the other
commercial bank. Because, people are not familiar with this system.
 According to some clients’ opinion, introducer is one of the problems to open an
account. If a person who is new of the city wants to open account, it is a problem
for him/her to arrange an introducer of SB or CD accounts holder.
 They can’t provide loan on the basis of customers demand for the lake of enough
deposits.
 There are several weak points in the existing loan appraisal system of Southeast
Bank ltd. The CIB report from Bangladesh Bank does help a bit, particularly
with information on outstanding loan. But it does not help the bank to make a
comprehensive judgment on the borrower’s credit standing.
 The average loan processing time is relatively long. This is particularly true for
project loan, which usually takes over one month to complete the processing. .
 Bangladesh Bank exercises strict control credit activities in local banks. Sometimes the
restriction imposed, can create barrier in the normal operations and policies of the bank.
 Sometimes the bank changes their pricing policies, in due time customers may not aware
about it.
3.2 Academic Preparation:
Before internship I don’t have any practical experience in corporate side. For this reason
while I am working in SEBL, I have learnt various types of work which I mentioned in
chapter- 2. Besides that I found some mismatch while working in the organization like,
Sometimes I was assigned to do some jobs without explaining why this work is to be done.
This situation has created a lot of problems to understand why a specific function is being
performed. I am from Accounting and finance department. So, relevance of the academic

22. - 22 -
major I found some difference between assigned tasks and academic major. Like, most of the
assigned tasks are not practically done before during different semester.
3.3 Missing knowledge and skills that need to be learned:
In many cases, I have experienced mismatch with my academic courses while I was doing
internship program. This is because the university does not always provide the practical
knowledge and I found a few courses those focus on banking activities solely. In my BBA
course I had to gain knowledge in various broader aspects including finance, accounting,
capital budgeting, taxation, where very few of them deeply focuses on banking activities.
Also, the university always gives emphasis on the theoretical knowledge and I did not much
scope for gaining practical knowledge on banking activities. There is some knowledge that
needs to be learned in the university which is actually relevant to the organizational culture.
Like-
 Beside bookish knowledge university should go for field visit for practical example
during different semester.
 University could start different workshop or seminar program. They should call
different company employees to take different seminar or classes. In that case they
can share their corporate experience and knowledge. This is actually very helpful for
the students.
 University should give some challenges work to understand the situation and also give
some practical knowledge to handle these situation.

23. - 23 -
Chapter 4
Lessons Learned from the
Internship Program

24. - 24 -
4.0 Lessons Learned From The Internship Program:
4.1 Implications to organization/company:
Multi-dimensional Task Accomplishment:
It is required that an intern will deal with various sectors and departments of an organization.
The variety of task I have performed in the Branch was not of the same taste; however, I felt
that I have achieved some more dimensions while I was studying on the various sectors of the
organization. These multi-dimensional pieces of work could be valuable for my career ahead
of me.
Taking Responsibilities:
To take responsibilities and to give a positive result end of the day is itself a big
challenge. SEBL has provided me a vast knowledge of this. Here I have personally seen
corporate people with their responsibilities every day. My confidence level has gone higher
than I expected by spending this short period of time at SEBL.
Experience Gain:
I worked at SEBL as an intern for 3 months and I feel very lucky that my step is right and
perfect. This company has enough individual corners from where I feel experience is a must
thing to gain here. Seniors at this place has always been very helpful to provide enough
guidance to gain experience. With the help of my education and presence at SEBL has given
some idea about overall banking operation.
Discipline:
Discipline maintaining at SEBL corporate offices is a key thing. Besides hard working
capability this company highlights every individual’s discipline level separately. So far I
have maintained myself well here, for example – I always maintain my office timing.
Enhancement of Communication Skill:

25. - 25 -
As a fully customer oriented organization, the SEBL operates great customer service where
the communication skill is one of the fundamental factors. Treating every customer in bank’s
customized unique way is a challenging thing as I observed while working with the staffs of
the branch. I have achieved significant amount of knowledge about customer service and I
have realized that great communication skill is the fundamental requirement of serving the
customers with great service.
Familiarization with Corporate Culture:
I have also observed the customers from different cultures are being served by the bank and
gained the skill of maintaining a unique culture regardless possessing different cultural
backgrounds by the people. Additionally, the corporate culture of the SEBL was really
friendly and cooperative for me during my whole internship program.
Adjustment with the Work Place and Socialization:
Organizational socialization means the adjustment of the skill, academic knowledge and
behavior with the working environment in the working place. While I was performing my
internship program within the bank, I was being treated as an employee like others in the
organization. I got sufficient assistance from the working people in terms of acquiring enough
idea about their working strategy. This enhanced my knowledge, skill and the power of
implementing of my academic knowledge in a workplace. I believe this is much quite
important and also the whole program made me ready for starting my professional career in
the same environment.
Initiative:
SEBL always appreciate take initiative for work challenge & help those with all
resources for achieving their goals. I have learned way of working from my seniors
and now I have confident enough to take initiatives before others.
Customer secrecy:
The bank always tries to keep the customer secrecy. The Bank never discloses one client’s
information to other clients. For example, husband’s cheque book or ATM pin is not given to
wife for safety. Before doing majority of tasks the bank at first go for verification like
informing balance information, providing statement, fund transfer issuance of cheque book
etc.

26. - 26 -
4.2 Implications to University’s Internship Program:
This internship is a part of our BBA program. AIUB has given us this opportunity to have a
practical job experience before getting into a permanent job as a full time employee.
Definitely this internship program will help us a lot in job sectors. Internship helps us to learn
lots of things which will be very effective for the near future.
From university’s internship program I have learned-
 The main point I have learnt from internship is that the difference between academic
knowledge and professional work.
 I learnt how to follow my supervisor instruction and his valuable suggestion.
 University helps me to improve my presentation skill during different semester which
is actually helps me a lot when I am face to face a customer in the organization.
 Co education in the university helps me to be communicative and friendly.
 How to give a company’s portfolio in the report.
 How to present work experience in the repor.t
 Cooperative education experience.
 Concern for integrating experiences and external experiences.
4.3 Others:
While doing this internship I have learned lots of new things, which was totally unknown for
me. Besides learning from the organization and the university I have also learned some other
things which are very essential for me.
 Increased trust, confidence and professionalism
 Improved subject area and discipline knowledge
 Increasing sophistication
 Developing skills and competencies

27. - 27 -
Chapter 5
Concluding Statement

28. - 28 -
5.0 Concluding Statement
5.1 Summary:
As an intern student at Southeast Bank Limited at Kakrail Branch, Dhaka, I have truly
enjoyed my internship from the learning and experience viewpoint. I am confident that 3
months internship program at SEBL to meet the requirement of the course outline as well
as to comprehend the application of the theoretical knowledge in the practical fields.My
internship report on the topic, “A Study on Practices & Policies of Credit Management of
Southeast Bank Limited, Kakrail Branch.” The main point of this report was to identify
the activities of credit department.
During the course of my practical orientation I have tried to learn the practical banking
activities to realize my theoretical knowledge, what I have gathered and going to acquire
from various courses. It is great pleasure for me to have practical exposure of Southeast
Bank Limited, because without practical exposure it couldn’t be possible for me to
compare the theory with practice.
So in conclusion it can be said that every organization has its positive as well as negatives
and in case of Southeast Bank Limited existence of the later one is less than the earlier
one and as the management is determined to reach the pick of success it seems that in
near future the negatives will be eliminated. The performance of the bank has been
evaluated with respect to different performance dimensions and with their able leaders
Southeast Bank will reach the highest level of success very shortly. I wish the bank all
success prosperity in their field.

29. - 29 -
5.2 Recommendations for Future Strategic Actions (Organization
Perspective):
In such competitive modern days in Banking, Bank as Southeast bank is also facing some
recognizable challenges. SEBL has to take necessary steps to meet the challenges with
appropriate efforts. Here suggestions that I have for this course of action.
 The Bank should increase its ATM booth in different locations and improve its
facility throughout the country.
 Although every table of every section of SEBL is capable of supplying the various
information about bank but this task is generally performed by the front desk or
account opening section. However this section is found always busy. Therefore, if
bank wants to perform this task in more efficiently the branch should keep a
Reception Section.
 SEBL could arrange the monthly seminar or workshop on the vast area of Credit
Management and its contemporary issues for the branch’s offices, certainly this
workshop will motivate them.
 For customer’s convenience in Credit Department of Southeast Bank Ltd should
provide more personnel to deliver faster services to their customer.
 They should also focus on the marketing aspects to let customers know about their
products and offerings and more promotion should be given to attract new customer.
 Southeast Bank Ltd should provide an effective training program for the junior level
officers as though they can perform their task efficiently.
 They should provide prayer facilities for female employee.
5.3 Recommendations for Future Strategic Actions (University
Perspective):
 The communication between the intern and the supervisor should be quite clear and
on the regular basis so that the intern has the total understanding and control over the
entire internship program.
 The university sometimes could take initiative for the students who often fail to get
offer from the companies for internship. The university could make some reference
lists with big companies and make them offer its students for internship.

30. - 30 -
 The interns could get highly motivated by the supervisors while they will be
performing the internship program in some particular companies. This motivation will
drive the interns to get jobs.

31. - 31 -

32. - 32 -
Chapter 6
Suggestions for
Improvement or Course of
Action

33. - 33 -
6.0 Suggestions for Improvement or Course of Action:
 Improve office atmosphere to give customers better feeling.
 They should introduce new products and services.
 Southeast Bank Ltd should establish and adhere to adequate of loan provision and reserve.
 Southeast Bank should always monitor the performance of its competitors in the field of
Credit management.
 To ensure timely repayment of loan installments, banks need to have well-
coordinated supervision and monitoring programs.
 Use of effective management information systems.
 SEBL should focus on their promotional activities.
 SEBL has to follow safety lending strategy carefully and corporate governance.
 Up to date banking software should be use to give better service to the customers.
 Manpower should be increase in Credit section.

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References
 Southeast Bank Ltd Annual Report from 2004 to 2012.
 Memorandum and Articles of Southeast Bank Ltd.
 Records & files used in official correspondence for day to day operation.
 www.Southeastbanklimited.com
 Face to face conversation with the section Credit In-charge of Southeast Bank
Limited, Kakrail Branch.
 Discuss with the senior officers of Southeast Bank Limited, Kakrail Branch.

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Appendices
CV