This report presents the outcomes of the study during the Internship- Social Islami Bank Limited. I was assigned to topic “Mudaraba value achievement schemes of Social Islami Bank Limited”. I have worked for three months with different section. During the internship period in the Social Islami Bank Ltd, I was given the duties of different division to perform and to gather some valuable knowledge.
This internship report provides an overview of credit risk management at Southeast Bank Limited's Pragati Sarani branch in Dhaka, Bangladesh. The report discusses the bank's history, vision, products and services, organizational structure, and key performance metrics related to loans and credit. Specifically, the report examines the bank's procedures for credit approval and management of loan defaults. It also provides an analysis of the bank's loan portfolio, classified loans, profits, and a SWOT analysis. The overall aim is to analyze credit risk management practices at the branch.
internship report on Credit management policy of janata BankMd. Shohel Rana
This document is an internship report submitted by Muhammad Belal Uddin on the credit management policy and performance analysis of Janata Bank Limited's Lalbagh Branch in Rangpur. It includes an introduction, organizational profile of Janata Bank, an overview of the Lalbagh branch, description of the intern's work areas, analysis of Janata Bank's credit management policy and performance, and findings and recommendations. The report was prepared as part of BBA program requirements and provides insight into Janata Bank's lending practices and financial performance based on the intern's three-month experience at the Lalbagh branch.
This document is an internship report submitted to a professor that summarizes a study on the service quality dimensions of foreign exchange operations at Social Islami Bank Limited (SIBL) in Bangladesh. It includes an introduction, literature review, objectives, methodology, data collection sources, limitations, overview of SIBL, analysis of foreign exchange operations and departments, analysis of customer survey data on service quality dimensions, findings, and recommendations. The report evaluates SIBL's performance on reliability, assurance, empathy, tangibility, and responsiveness based on customer perceptions and aims to provide recommendations to improve foreign exchange services.
Financial Performance Analysis of Sonali BankMd. Shohel Rana
Sonali Bank Limited is Bangladesh's largest bank. It has over 1211 branches across Bangladesh and operates internationally. The report analyzes Sonali Bank's financial performance over the last 5 years through ratio analysis using data from annual reports and income statements. It finds constraints that hinder the bank's performance and provides suggestions. The analysis improves the author's practical knowledge of banking and report writing skills.
Internship Report on Financial Statements Analysis of FSIBL by Moez AnsaryMoez Ansary
This is helpful for Business Students. Full Internship Report is prepared by Moez Ansary after completing 3 months Internship program in First Security Islami Bank Ltd. (FSIBL) at Amborkhana branch. This report is about Financial Statements Analysis focusing on Islamic banks in Bangladesh. The financial statements are analyzed by horizontal, vertical & ratio analysis. This Internship Report by Moez Ansary is useful for Accounting & Finance Students. This Report was closely supervised by Mr. Iehit Sharma, Senior Lecturer of Business Administration at Leading University.
This internship report provides an overview of credit risk management at Southeast Bank Limited's Pragati Sarani branch in Dhaka, Bangladesh. The report discusses the bank's history, vision, products and services, organizational structure, and key performance metrics related to loans and credit. Specifically, the report examines the bank's procedures for credit approval and management of loan defaults. It also provides an analysis of the bank's loan portfolio, classified loans, profits, and a SWOT analysis. The overall aim is to analyze credit risk management practices at the branch.
internship report on Credit management policy of janata BankMd. Shohel Rana
This document is an internship report submitted by Muhammad Belal Uddin on the credit management policy and performance analysis of Janata Bank Limited's Lalbagh Branch in Rangpur. It includes an introduction, organizational profile of Janata Bank, an overview of the Lalbagh branch, description of the intern's work areas, analysis of Janata Bank's credit management policy and performance, and findings and recommendations. The report was prepared as part of BBA program requirements and provides insight into Janata Bank's lending practices and financial performance based on the intern's three-month experience at the Lalbagh branch.
This document is an internship report submitted to a professor that summarizes a study on the service quality dimensions of foreign exchange operations at Social Islami Bank Limited (SIBL) in Bangladesh. It includes an introduction, literature review, objectives, methodology, data collection sources, limitations, overview of SIBL, analysis of foreign exchange operations and departments, analysis of customer survey data on service quality dimensions, findings, and recommendations. The report evaluates SIBL's performance on reliability, assurance, empathy, tangibility, and responsiveness based on customer perceptions and aims to provide recommendations to improve foreign exchange services.
Financial Performance Analysis of Sonali BankMd. Shohel Rana
Sonali Bank Limited is Bangladesh's largest bank. It has over 1211 branches across Bangladesh and operates internationally. The report analyzes Sonali Bank's financial performance over the last 5 years through ratio analysis using data from annual reports and income statements. It finds constraints that hinder the bank's performance and provides suggestions. The analysis improves the author's practical knowledge of banking and report writing skills.
Internship Report on Financial Statements Analysis of FSIBL by Moez AnsaryMoez Ansary
This is helpful for Business Students. Full Internship Report is prepared by Moez Ansary after completing 3 months Internship program in First Security Islami Bank Ltd. (FSIBL) at Amborkhana branch. This report is about Financial Statements Analysis focusing on Islamic banks in Bangladesh. The financial statements are analyzed by horizontal, vertical & ratio analysis. This Internship Report by Moez Ansary is useful for Accounting & Finance Students. This Report was closely supervised by Mr. Iehit Sharma, Senior Lecturer of Business Administration at Leading University.
Financial Performance Evaluation of Al-Arafah Islami Bank Limited.Rizwan Khan
Southeast Bank Limited's financial performance over 2010-2014 is analyzed using various ratios. The current ratio declined from 1.52 to 1.24, indicating current assets are not sufficiently covering current liabilities. Net profit margin decreased from 32% to 33%, while return on assets increased slightly from 2.26% to 1.67% and return on equity from 19.41% to 16.51%, showing mixed profitability. Cost to income ratio improved significantly from 70.04% to 57.96%, but was still higher than industry averages, indicating room for improving operational efficiency. Overall, the bank showed steady but moderate financial growth and performance during the period.
Evaluation of Financial Performance of SIBLRakib Hossain
This document provides an overview and objectives of a presentation analyzing the financial performance of Social Islami Bank Limited from 2012-2016. The presentation covers various areas including objectives, methodology, limitations, company overview, ratio analysis of liquidity, activity, debt, profitability, and risk. Ratio analysis is used to evaluate the bank's liquidity, activity levels, debt usage, profitability, and risks over the time period. Trends in ratios are analyzed to determine if the bank's financial condition is improving or deteriorating.
internship report on credit managementKhaled Masud
This internship report analyzes the credit management activities of Mercantile Bank Limited (MBL) in Bangladesh over a five year period from 2010-2014. It includes an analysis of MBL's deposit growth and composition, loans and advances by sector, investment activities, key financial ratios like loan deposit ratio and return on investment. The report finds that while MBL has grown its deposit base significantly, it faces challenges in managing non-performing loans and needs to improve some of its financial ratios. The conclusion provides recommendations to help MBL strengthen its credit risk management and further improve its performance.
The document discusses the differences between public and private banks in Bangladesh. It provides lists of public banks such as Sonali Bank and private banks such as BRAC Bank. It then analyzes the strengths, weaknesses, opportunities, and threats of both public and private banks. Finally, it concludes that both types of banks are essential for economic development in Bangladesh and provides recommendations such as using more IT, introducing new products, and providing staff training.
Internship Report on Deposit and Investment Management of Al-Arafah Islami Ba...Siyam Hossain
This chapter introduces the internship report. The report was prepared based on a three-month internship at Al-Arafah Islami Bank Limited to fulfill the requirements for a BBA degree. The report focuses on deposit and investment management at AIBL. The objectives are to understand AIBL's deposit and investment policies and strategies. The study aims to evaluate deposit and investment growth and make recommendations for improvement. Primary and secondary data was collected through observation, interviews and reviewing company documents.
The document summarizes major scams, irregularities, and heists in the Bangladeshi banking sector over the past decade. It details several instances where state-owned, private, and foreign commercial banks embezzled funds totaling billions of taka through fraudulent loans and money laundering. In response, the Anti-Corruption Commission filed cases against bank officials and borrowers, while the Bangladesh Bank appointed observers or conducted audits at troubled banks. Overall, widespread corruption and mismanagement have undermined the stability and performance of the banking sector.
An Internship Report On Investment Management Analysis of Al-Arafah Islami Ba...Mahfuz Hasan
An Internship Report On
Investment Management Analysis of Al-Arafah Islami Bank Ltd.
Executive Summary
The first chapter shows different aspects of the report like a brief introduction, origin
of the report, statement of the Issue, objectives, significance, methodology &
limitations of the study. Second chapter shows a brief company overview. In this
section different important data about Al-Arafah Islami Bank Limited is provided.
Background, vision, mission, commitments, special features, product line,
organogram of AIBL and some other necessary company related information is
provided in this chapter.
The third chapter is about literature review. In this chapter I described the investment
management policy, department, objectives, strategies, importance, under Islami
Sharia.
The fourth chapter is the most important chapter of this report. Chapter 4 describes
investment management Analysis & performance of AIBL showed current investment
position of the bank and some previous records. I also described Sharia concept about
investment of the bank. There is a detailed description about their investment products
so that their managing strategy could be understood more clearly.
Finally, in the last chapter I stated some recommendations for the
improvement of the bank and then the conclusion has been made.
The document discusses the functions and role of commercial banks in Bangladesh. It defines commercial banks as financial institutions that provide transactional, savings, and money market accounts while accepting time deposits. It then lists some of the major commercial banks in Bangladesh and their functions, which include receiving deposits, advancing various types of loans, and discounting bills. The document also outlines how commercial banks contribute to economic development in Bangladesh and discusses their evolving role in the 21st century global banking environment.
Internship report on Rupali Bank limited ( Comilla corporate Branch)Jakiobaid
This Internship report is for Comilla university which is based on Rupali Bank Bangladesh limited (Comilla Corporate Branch) and the major part of this report covered General Banking sector.This was made by Md Obaid Ullah Jaki, Management Studies Department,Second Batch,Comilla university. I hope this report will help my juniors.
Internship report on electronic banking activities of Rupali Bank Ltd._2018_I...ImranSheikh72
This document is BorhanUddinChowdhury's internship report submitted to the Department of Accounting and Information Systems at the University of Rajshahi. It assesses the electronic banking activities of Rupali Bank Limited's RUET branch in Rajshahi. The report contains 7 chapters, including an introduction describing the objectives and methodology of the study, an overview of Rupali Bank and the RUET branch, an analysis of electronic banking services offered, outcomes of the internship program, and conclusions with recommendations. The primary objective is to observe and assess the overall e-banking activities at the RUET branch to evaluate implementation and customer satisfaction of services.
Meezan Bank is Pakistan's first and largest Islamic bank. It has expanded rapidly, growing its branch network to 201 branches across 54 cities. Total deposits have increased 43% to over Rs. 100 billion as of 2009. The bank aims to establish Islamic banking as the preferred system through innovative Shariah-compliant products and services while optimizing stakeholder value. It has a highly qualified Shariah board and seeks to find common ground with conventional banking within Islamic principles.
This document provides information about a study on SME investment activities and disbursement processes at EXIM Bank Ltd. in Bangladesh. It includes the objectives of the study, an organizational overview of EXIM Bank, details about their SME products and services, eligibility criteria for SME loans, procedures for SME investment, and a comparative analysis of SME banking at EXIM Bank and four other private commercial banks in Bangladesh. The document aims to provide insight into EXIM Bank's SME investment procedures and their position in the SME banking sector relative to competitors.
Financial Performance Analysis Of Janata Bank LimitedHasnan Imtiaz
This document provides an overview and analysis of a report on the financial performance of Janata Bank Ltd. It begins with an introduction to the bank, describing its role in Bangladesh's economy and financial system. It then outlines the objectives, methodology and scope of the report, which includes analyzing Janata Bank's financial statements from 2009-2013 to identify strengths and weaknesses. The document provides context on the bank's background, objectives, and awards it has received. It describes the report's purpose as evaluating the bank's past financial performance to help inform management decision-making.
This presentation is based on the data of 2016 about the Green Banking in Bangladesh. We try to show the present situation of Green Banking and observe as well as analyze whether it has any impact on profitability and stock price.
This presentation is prepared by Bikash Chandra Paul!
This document summarizes an internship project studying the network infrastructure of Bank Asia Limited. The intern analyzed the existing network, identified problems like low server performance and failures, and proposed implementing a server load balancing system using an Extreme Networks device to distribute traffic. Monitoring tools like Nagios, Cacti, and WhatsUp Gold were also discussed. The intern concluded the load balancing system could improve the network and their internship provided valuable experience.
The document provides details about Agrani Bank Limited (ABL), a state-owned commercial bank in Bangladesh. It discusses ABL's establishment in 1972 through the merger of two other banks. It notes that ABL has an authorized capital of 800 million taka and paid-up capital of 248 million taka, with total equity of 725 million taka as of 2010. ABL has over 867 branches across Bangladesh, including 10 corporate branches, 341 town branches, and 526 rural branches. The document also gives an overview of ABL's management and board of directors.
This report analyzes the investment policy and activities of Al-Arafah Islami Bank Ltd, specifically their Natun Bazar Baridhara branch. It provides an overview of the bank's capital position, management structure, 5-year financial highlights, and the branch's deposit and investment performance from 2014-2016. The report also describes the bank's investment practices, including the mechanisms and modes of investment, special investment schemes, and sector allocation. PEST and SWOT analyses are also provided to evaluate the external and internal factors impacting the bank.
Internship Report on Online Banking OperationMSKarim2
This report is prepared as a partial requirement of the internship phase of BBA program in BGC Trust University Bangladesh with major in FINANCE. I was assigned to Janata Bank Ltd. by the department of Business Administration. This report is based on Online Banking Practices of Janata Bank Ltd. This report contains five chapters
Tourism Development Bank Ltd. (TDBL) was established in 2010 as a development bank in Nepal focused on tourism and infrastructure development. [1] TDBL has 15 branches across Nepal and aims to provide banking services to underserved populations. [2] It offers various savings accounts, fixed deposits, loans, remittance services, and other products. [3] TDBL's organizational structure is relatively flat, with the branch manager overseeing departments for customer service, cash, gold loans, and credit. [4] The bank aims to expand financial access and support Nepal's economic growth.
The document provides an overview of City Bank Ltd., including its background, vision, mission, strategies, organizational structure, functions, and departments. Some key points:
- City Bank Ltd. is one of the oldest private commercial banks in Bangladesh, operating since 1983 with 86 branches across the country.
- Its vision is to be the leading bank in the country with best practices and highest social commitment.
- It has four main business divisions: corporate banking, retail banking, SME banking, and treasury.
- The report discusses the bank's location-based and business-level strategies to focus on strengthening existing branches and retail/SME banking.
Financial Performance Evaluation of Al-Arafah Islami Bank Limited.Rizwan Khan
Southeast Bank Limited's financial performance over 2010-2014 is analyzed using various ratios. The current ratio declined from 1.52 to 1.24, indicating current assets are not sufficiently covering current liabilities. Net profit margin decreased from 32% to 33%, while return on assets increased slightly from 2.26% to 1.67% and return on equity from 19.41% to 16.51%, showing mixed profitability. Cost to income ratio improved significantly from 70.04% to 57.96%, but was still higher than industry averages, indicating room for improving operational efficiency. Overall, the bank showed steady but moderate financial growth and performance during the period.
Evaluation of Financial Performance of SIBLRakib Hossain
This document provides an overview and objectives of a presentation analyzing the financial performance of Social Islami Bank Limited from 2012-2016. The presentation covers various areas including objectives, methodology, limitations, company overview, ratio analysis of liquidity, activity, debt, profitability, and risk. Ratio analysis is used to evaluate the bank's liquidity, activity levels, debt usage, profitability, and risks over the time period. Trends in ratios are analyzed to determine if the bank's financial condition is improving or deteriorating.
internship report on credit managementKhaled Masud
This internship report analyzes the credit management activities of Mercantile Bank Limited (MBL) in Bangladesh over a five year period from 2010-2014. It includes an analysis of MBL's deposit growth and composition, loans and advances by sector, investment activities, key financial ratios like loan deposit ratio and return on investment. The report finds that while MBL has grown its deposit base significantly, it faces challenges in managing non-performing loans and needs to improve some of its financial ratios. The conclusion provides recommendations to help MBL strengthen its credit risk management and further improve its performance.
The document discusses the differences between public and private banks in Bangladesh. It provides lists of public banks such as Sonali Bank and private banks such as BRAC Bank. It then analyzes the strengths, weaknesses, opportunities, and threats of both public and private banks. Finally, it concludes that both types of banks are essential for economic development in Bangladesh and provides recommendations such as using more IT, introducing new products, and providing staff training.
Internship Report on Deposit and Investment Management of Al-Arafah Islami Ba...Siyam Hossain
This chapter introduces the internship report. The report was prepared based on a three-month internship at Al-Arafah Islami Bank Limited to fulfill the requirements for a BBA degree. The report focuses on deposit and investment management at AIBL. The objectives are to understand AIBL's deposit and investment policies and strategies. The study aims to evaluate deposit and investment growth and make recommendations for improvement. Primary and secondary data was collected through observation, interviews and reviewing company documents.
The document summarizes major scams, irregularities, and heists in the Bangladeshi banking sector over the past decade. It details several instances where state-owned, private, and foreign commercial banks embezzled funds totaling billions of taka through fraudulent loans and money laundering. In response, the Anti-Corruption Commission filed cases against bank officials and borrowers, while the Bangladesh Bank appointed observers or conducted audits at troubled banks. Overall, widespread corruption and mismanagement have undermined the stability and performance of the banking sector.
An Internship Report On Investment Management Analysis of Al-Arafah Islami Ba...Mahfuz Hasan
An Internship Report On
Investment Management Analysis of Al-Arafah Islami Bank Ltd.
Executive Summary
The first chapter shows different aspects of the report like a brief introduction, origin
of the report, statement of the Issue, objectives, significance, methodology &
limitations of the study. Second chapter shows a brief company overview. In this
section different important data about Al-Arafah Islami Bank Limited is provided.
Background, vision, mission, commitments, special features, product line,
organogram of AIBL and some other necessary company related information is
provided in this chapter.
The third chapter is about literature review. In this chapter I described the investment
management policy, department, objectives, strategies, importance, under Islami
Sharia.
The fourth chapter is the most important chapter of this report. Chapter 4 describes
investment management Analysis & performance of AIBL showed current investment
position of the bank and some previous records. I also described Sharia concept about
investment of the bank. There is a detailed description about their investment products
so that their managing strategy could be understood more clearly.
Finally, in the last chapter I stated some recommendations for the
improvement of the bank and then the conclusion has been made.
The document discusses the functions and role of commercial banks in Bangladesh. It defines commercial banks as financial institutions that provide transactional, savings, and money market accounts while accepting time deposits. It then lists some of the major commercial banks in Bangladesh and their functions, which include receiving deposits, advancing various types of loans, and discounting bills. The document also outlines how commercial banks contribute to economic development in Bangladesh and discusses their evolving role in the 21st century global banking environment.
Internship report on Rupali Bank limited ( Comilla corporate Branch)Jakiobaid
This Internship report is for Comilla university which is based on Rupali Bank Bangladesh limited (Comilla Corporate Branch) and the major part of this report covered General Banking sector.This was made by Md Obaid Ullah Jaki, Management Studies Department,Second Batch,Comilla university. I hope this report will help my juniors.
Internship report on electronic banking activities of Rupali Bank Ltd._2018_I...ImranSheikh72
This document is BorhanUddinChowdhury's internship report submitted to the Department of Accounting and Information Systems at the University of Rajshahi. It assesses the electronic banking activities of Rupali Bank Limited's RUET branch in Rajshahi. The report contains 7 chapters, including an introduction describing the objectives and methodology of the study, an overview of Rupali Bank and the RUET branch, an analysis of electronic banking services offered, outcomes of the internship program, and conclusions with recommendations. The primary objective is to observe and assess the overall e-banking activities at the RUET branch to evaluate implementation and customer satisfaction of services.
Meezan Bank is Pakistan's first and largest Islamic bank. It has expanded rapidly, growing its branch network to 201 branches across 54 cities. Total deposits have increased 43% to over Rs. 100 billion as of 2009. The bank aims to establish Islamic banking as the preferred system through innovative Shariah-compliant products and services while optimizing stakeholder value. It has a highly qualified Shariah board and seeks to find common ground with conventional banking within Islamic principles.
This document provides information about a study on SME investment activities and disbursement processes at EXIM Bank Ltd. in Bangladesh. It includes the objectives of the study, an organizational overview of EXIM Bank, details about their SME products and services, eligibility criteria for SME loans, procedures for SME investment, and a comparative analysis of SME banking at EXIM Bank and four other private commercial banks in Bangladesh. The document aims to provide insight into EXIM Bank's SME investment procedures and their position in the SME banking sector relative to competitors.
Financial Performance Analysis Of Janata Bank LimitedHasnan Imtiaz
This document provides an overview and analysis of a report on the financial performance of Janata Bank Ltd. It begins with an introduction to the bank, describing its role in Bangladesh's economy and financial system. It then outlines the objectives, methodology and scope of the report, which includes analyzing Janata Bank's financial statements from 2009-2013 to identify strengths and weaknesses. The document provides context on the bank's background, objectives, and awards it has received. It describes the report's purpose as evaluating the bank's past financial performance to help inform management decision-making.
This presentation is based on the data of 2016 about the Green Banking in Bangladesh. We try to show the present situation of Green Banking and observe as well as analyze whether it has any impact on profitability and stock price.
This presentation is prepared by Bikash Chandra Paul!
This document summarizes an internship project studying the network infrastructure of Bank Asia Limited. The intern analyzed the existing network, identified problems like low server performance and failures, and proposed implementing a server load balancing system using an Extreme Networks device to distribute traffic. Monitoring tools like Nagios, Cacti, and WhatsUp Gold were also discussed. The intern concluded the load balancing system could improve the network and their internship provided valuable experience.
The document provides details about Agrani Bank Limited (ABL), a state-owned commercial bank in Bangladesh. It discusses ABL's establishment in 1972 through the merger of two other banks. It notes that ABL has an authorized capital of 800 million taka and paid-up capital of 248 million taka, with total equity of 725 million taka as of 2010. ABL has over 867 branches across Bangladesh, including 10 corporate branches, 341 town branches, and 526 rural branches. The document also gives an overview of ABL's management and board of directors.
This report analyzes the investment policy and activities of Al-Arafah Islami Bank Ltd, specifically their Natun Bazar Baridhara branch. It provides an overview of the bank's capital position, management structure, 5-year financial highlights, and the branch's deposit and investment performance from 2014-2016. The report also describes the bank's investment practices, including the mechanisms and modes of investment, special investment schemes, and sector allocation. PEST and SWOT analyses are also provided to evaluate the external and internal factors impacting the bank.
Internship Report on Online Banking OperationMSKarim2
This report is prepared as a partial requirement of the internship phase of BBA program in BGC Trust University Bangladesh with major in FINANCE. I was assigned to Janata Bank Ltd. by the department of Business Administration. This report is based on Online Banking Practices of Janata Bank Ltd. This report contains five chapters
Tourism Development Bank Ltd. (TDBL) was established in 2010 as a development bank in Nepal focused on tourism and infrastructure development. [1] TDBL has 15 branches across Nepal and aims to provide banking services to underserved populations. [2] It offers various savings accounts, fixed deposits, loans, remittance services, and other products. [3] TDBL's organizational structure is relatively flat, with the branch manager overseeing departments for customer service, cash, gold loans, and credit. [4] The bank aims to expand financial access and support Nepal's economic growth.
The document provides an overview of City Bank Ltd., including its background, vision, mission, strategies, organizational structure, functions, and departments. Some key points:
- City Bank Ltd. is one of the oldest private commercial banks in Bangladesh, operating since 1983 with 86 branches across the country.
- Its vision is to be the leading bank in the country with best practices and highest social commitment.
- It has four main business divisions: corporate banking, retail banking, SME banking, and treasury.
- The report discusses the bank's location-based and business-level strategies to focus on strengthening existing branches and retail/SME banking.
The document provides an overview of Social Islami Bank Ltd in Bangladesh, including its vision, mission, values, products/services and corporate structure. It discusses the rationale and objectives of the internship program, which is to understand the bank's general banking activities such as different account types and benefits, opening accounts, issuing cheque books, checking balances and providing statements. The intern aims to gain practical knowledge of the bank's day-to-day operations through customer service activities like informing customers and opening various savings and deposit accounts.
This document contains an analysis of NCC Bank including its strengths, weaknesses, opportunities, and threats (SWOT). It summarizes that NCC Bank has strengths like capital adequacy and growth in remittances but weaknesses like less exposure in retail banking and increasing non-performing loans. Opportunities for the bank include potential in small and medium enterprise lending and mobile banking. Threats include aggressive competition from new banks and high levels of non-performing loans across the banking sector. The document recommends that NCC Bank reduce non-performing loans, increase retail banking exposure, and leverage opportunities in small business lending.
This document provides information about Syndicate Bank, an Indian government-owned bank. It discusses the history, leadership, products/services, financial performance, branch network, and awards of the bank. Some key points:
- Syndicate Bank was established in 1925 in Udupi, Karnataka and was nationalized by the Indian government in 1967.
- As of 2013, it had over 25,000 employees and 2,934 branches across India and 1 in London.
- Major products include savings/current accounts, term deposits, loans for housing, vehicles, education, and more.
- In 2013, total income was Rs. 1,829.50 billion and net profit was Rs. 200.44
Syndicate Bank was established in 1925 in Udupi, Karnataka by three visionaries with a capital of Rs.8000 to provide financial assistance to local weavers. It has grown to over 2900 branches across India and internationally. The bank offers various deposit accounts, loan products, and other services. It had over 25,000 employees as of 2013 and continues developing new products to better serve customers while receiving various awards for its initiatives and performance.
Canara Bank was founded in 1906 in Mangalore, India. It has over 4,000 branches across India and a few international branches. In recent years, Canara Bank has focused on growing its retail banking business including increasing deposits, loans, and fee income while maintaining asset quality. It aims to reach over Rs. 7 lakh crore in total business by FY2014 through 15% deposit growth and 24% loan growth. Canara Bank plans to expand its branch network to over 5,000 domestic branches and open 9 new international branches by 2015.
EXIM Bank provides SME loans and investments to small and medium enterprises in Bangladesh. The report analyzes EXIM Bank's SME investment processing activities, terms and conditions of SME loans, and enterprise selection criteria. It also reviews the bank's organizational structure, financial performance from 2009-2013, and management team. The internship experience at EXIM Bank's Garib-e-Newaz branch provided practical work experience in updating SME files and reporting to the project manager. Hypotheses were developed about the positive impact of SME investments on the bank's success and customer satisfaction.
The document is a presentation on an OCP report about the investment performance of Social Islami Bank Limited's Akhaura branch in Brahamanbaria, Bangladesh.
The objectives of the study were to examine the bank's investment modes, procedures, and performance. The study found that the bank's Bai-Mujjal, Murabaha, bill purchase, and HPSM investment modes grew between 2015-2017. The bank's total investment was 80% of its total deposits for the period studied. Investment recovery rates were 98% in 2015, 85% in 2016, and 90% in 2017.
Recommendations included improving the investment sanctioning process, introducing new investment products, increasing investment recovery monitoring
This document provides an overview of recruitment and general banking activities at EXIM Bank Bangladesh Ltd. It begins with an introduction and historical background of EXIM Bank. It then discusses the internship duties performed in areas like general banking, foreign exchange, investment, and HR departments. The document reviews relevant literature on topics like human resource management, the banking industry, and general banking. It describes the research methodology and findings from the internship experience. Key areas covered include recruitment and selection practices, types of deposit accounts like savings, term deposits, and schemes. In conclusion, the document provides recommendations to improve EXIM Bank's operations.
The document provides an internship report on the general banking activities of Southeast Bank Limited. It discusses the bank's organization overview including its mission, vision, and objectives. It also analyzes the bank's strengths, weaknesses, opportunities, and threats through a SWOT analysis. The report describes the bank's general banking functions like account opening, cash receipt/payment, clearing activities. It finds that while the bank has experienced employees and cooperative environment, it lacks manpower, computer knowledge, and training. It provides recommendations like expanding online banking, increasing manpower and marketing to attract more customers.
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) The document discusses a report submitted by a group of 5 students from Bangladesh Islami University on their internship at Al-Arafah Islami Bank Ltd, focusing on the bank's foreign exchange operations.
2) Al-Arafah Islami Bank Ltd was established in 1995 based on Islamic principles of banking from the Quran and hadrapid growth in deposits, investments, income and profits between 2012-2014.
3) The students' internship objectives were to gain practical experience in areas like banking operations and customer service, and to understand how theoretical concepts are applied in practice.
This study aims to determine the relationship between corporate social responsibility (CSR) activities and financial performance of Islamic banks in Bangladesh. The researcher analyzed CSR data from annual reports of 7 Islamic banks over a 5-year period. Regression models showed a negative relationship between CSR disclosure index and return on assets/return on equity, indicating higher CSR spending is associated with lower financial performance. The study recommends increasing CSR spending in more beneficial sectors and establishing governance over banks' CSR activities. Limitations include a small sample size and focus on accounting measures of performance.
United Commercial Bank Limited (UCBL) is one of the largest banks in Bangladesh, incorporated in 1983. It has 187 branches across the country and over 3,400 employees. UCBL's vision is to be the bank of first choice by maximizing value for clients, shareholders, and employees. The document discusses UCBL's business activities, management structure, strengths like its large branch network, weaknesses like lack of long term strategies, and opportunities to introduce new products and better serve customers. It also provides recommendations on how UCBL can improve, such as establishing more ATMs and emphasizing advertising.
General banking activities and financial analysis of Agrani Bank LtdShah Meraz Rizvi
This internship report summarizes the general banking activities and financial analysis of Agrani Bank Limited conducted by Md. Shah Meraz Rizvi for his Bachelor's degree. The report includes an analysis of ABL's organizational structure, general banking operations across departments like cash, clearing and remittance. It also performs a financial analysis of ABL using ratios like return on equity, assets, net interest margin and earnings per share. The concluding chapters discuss Rizvi's internship experience, findings on ABL's shortcomings and recommendations to address them.
This document discusses the planning and organizing of United Commercial Bank (UCB) in Bangladesh. It begins with an introduction to UCB, providing its mission, vision, and core values. It then discusses the bank's departments and operational hierarchy. The focus then shifts to Banasree Branch of UCB, discussing its planning processes including work specialization, chain of command, and span of control. It also covers the branch's organizing aspects such as centralization, formalization, and use of communication technologies. In conclusion, the document analyzes UCB's human resource activities and overall performance.
Mutual Trust Bank Limited (MTBL) was incorporated in 1999 and started its banking operations later that year. It has grown to have 73 branches across Bangladesh. The report discusses MTBL's mission, vision, products/services, organizational structure, management, and culture. It also provides an overview of the bank's Panthapath branch where the author completed their internship and learned about general banking activities like account opening, cheque processing, clearing, and cash operations.
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Date: May 29, 2024
Tags: Information Security, ISO/IEC 27001, ISO/IEC 42001, Artificial Intelligence, GDPR
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7. Company Profile
Head office City Center, Level: 19-22, 28 and 29
90/1, Motijheel Commercial Area
Dhaka-1000
Bangladesh
Phone : 09600112212
Legal Form Public Limited Company
Corporate Slogan Journey Towards Excellence
Date of incorporation 05 July, 1995
Date of starting its operation 22 November, 1995
Paid up Capital Taka 7031.42 million(2015)
Chairmen of the Board Major (Retd.) Dr. Md. Rezaul Haque
Name of Managing Director Md. Shafiqur Rahman
Banking Software Ababil
Number of Branches 121
E-mail info@sibl-bd.com
7
8. Background of SIBL
The Social Islami Bank Limited (SIBL), a second-generation commercial
bank, operating since 22nd November, 1995 based on Shariah’ Principles,
has now 121 branches all over the country with two subsidiary companies -
SIBL Securities Ltd. & SIBL Investment Ltd.
In the formal sector, it works as an Islamic participatory commercial bank
with human face approach to credit and banking on the profit and loss
sharing.
SIBL is a pioneer in introducing on-line banking among all the Islami Banks
of the country with state-of-the-art banking software.
8
9. Vision and Mission
Vision
“Working together for a caring society”.
Mission
Establishing Three Sector Banking Model.
Transformation to a service oriented technology driven profit earning Bank.
Fast, accurate and satisfactory customer service.
Balanced & sustainable growth strategy.
Introducing innovative Islamic Banking Products.
9
10. Strategic Objectives of SIBL
Ensuring fast, accurate and best-in-class customer services with
customers’ satisfaction
Balanced and sustainable growth strategy.
Introducing innovative Islamic Banking Products
To achieve global standards in Islamic Banking
Ensuring best CSR (Corporate Social Responsibilities) practices
Ensuring Green Banking
10
11. Organogram of
SIBL Bank
Limited
Chairman
Vice Chairman
Board of Directors
Deputy Managing Director
Senior Executive Vice President
Executive Vice President
Senior Vice President
Vice President
Senior Asst. Vice President
Assistant Vice President
First Assistant Vice President
Senior Executive Officer
Executive Officer
Senior Officer
Officer
Junior Officer
Assistant Officer 11
12. Board of Directors
Major (Retd.)
Dr. Md. RezaulHaque
Chairman
Md. Sayedur Rahman
Vice Chairman
Alhaj Sk.
Mohammad Rabban Ali
Vice Chairman
Abdul Awal Patwary
Director
Md. Anisul Hoque
Director
Mr. A. Jabbar Mollah
Director
12
13. Md. Abdur Rahman
Independent Director
Mr. Abdul Mohit
Independent Director
Md. Abdur Razzaque
Director
Mr. Md. Aminuddin
Director
Mr. M. Kamal Uddin
Director
Hakim Md. Yousuf
Director
Mr. Muinul Hassan
Independent Director
Md. Nabi Ullah
Director
Md. Shafiqur Rahman
Managing Director
Md. Humayun Kabir
Company Secretary
13
14. Product and Service
Al-Wadeeah Current Account
Mudaraba Savings Account
Mudaraba Notice Deposit
Account
Mudaraba Term Deposit
Account
Mudaraba Monthly Profi t
Deposit Scheme
Mudaraba Millionaire Savings
Scheme
Mudaraba Education Deposit
Scheme
Sonali Din Special Deposit
Scheme
Mudaraba Mohorana Savings
A/c(5 Years)
Shanchita Special Deposit
Scheme
Subarnalata Special Deposit
scheme
Deposit Products
14
15. Sabuj Chaya Special Deposit
scheme
Sabuj Shayannaya Special Deposit
Scheme
SIBL Young Star Account
Mudaraba Lakhopoti Deposit
Scheme
Mudaraba Marriage Savings
Scheme
Shukher Thikana Special Scheme
Mudaraba Special Deposit
Pension Scheme
Mudaraba Bashsthan Savings
Scheme
Cash Waqf
Shamridhir Shopan Special
Deposit Scheme
Mudaraba Double Benefit
Deposit Scheme
Mudaraba Mohorana Savings
Cont...
15
20. Description of the Internship
To learn about General Banking of SIBL
To learn how they manage their banking problems with customers
To get real world work experience
To get an idea about how to make a successful career in the
banking sector
20
21. Task Done by me at SIBL
Give information about different account opening
Account Opening
Fill-up CIS Form
Cheque book Requisition , Cheque book Issue
Preparing Thanks letters for the customers
Verify
Bill Posting
21
24. Documentation of
Value Achievement Schemes
Completed account opening form duly signed by account holder
One copy passport size photographs of every account holder
Photocopy of National ID Card/Passport/Chairman certificates
Signature of Nominee
One copy passport size photographs of Nominee by attested account
holder
Photocopy of National ID card of Nominee
24
28. Sonali Din
(Mudaraba deposit pension scheme)
SIBL offers you some special deposit scheme from those
scheme, sonali din deposit scheme is more popular then all.
Customers can open this scheme in various installment starts
from Tk.500 to Tk. 25000 for 3 years, 5 years and 10 years.
Under this scheme women can ensure a happy family life as it
gives you the opportunity to meet you capital expenditure as
well as monthly expenses.
28
31. Problem Statement
My report is based on Mudaraba Value Achievement Schemes analysis of
Social Islami Bank Ltd.
I worked in the Social Islami Bank Ltd as an intern student. I got some
clear ideas about banking field. When I worked in the account opening
section, I saw some customers are not satisfied with value achievement
schemes of SIBL.
So the research problem statement is to find out customer various
aspects of expectation on value achievement scheme of SIBL. I tried to
find out the solution of problem.
31
32. Methodology of the Study
Primary Sources:
Primary data source has been collected from the face to face conversation, interview with
the account holders, bank manager, executives and some data has been collected through the
questionnaire.
Secondary Sources:
Secondary data are collected from the following sources:
Annual reports of SIBL
Published documents
Official files
Data available with the website of SIBL.
Different publication of Bangladesh bank and Bangladesh economic reviews.
Outlets of Bangladesh Institute of Bank Management.
32
33. Sample size:
After preparing the sample frame, requests were made to the Manager of
SIBL. I have taken my simple random sampling in a systematic way
and required sample size for conducting this research. A total of 40
respondents have been conducted, where client and account holders of
SIBL, Tongi Branch were included.
30%
70%
Responders
Out of 40 People the 70%
male and 30% are female
33
36. Graphical Representation
01. Ho: Social Islami Bank Ltd does not offer attractive value achievement scheme.
HA: Social Islami Bank Ltd offer attractive value achievement scheme.
I want to test the null hypothesis
HO: μ = 2.5
HA : μ > 2.5
n = 40
Since the sample size n > 30 so, I may use Z - test.
Here
= 4.18
σ = 1.02
Zcal = ( –μ)/ (σ/√n) = 10.43
At 5% level of significance, follows Z distribution Z 0.05= 1.645
Since Z cal> Z tab,the null hypothesis is rejected. So at 5% level of significance, it can be
said that the SIBL offers attractive value achievement scheme compare to the other
banks.
36
38. Cont..
02. Ho: Customers do not prefer to open Mudaraba value achievement scheme in SIBL bank
HA: Customers prefer to open Mudaraba value achievement scheme in SIBL bank
I want to test the null hypothesis
HO: μ = 2.5
HA: μ > 2.5
n = 40
Since the sample size n > 30 so, I may use Z - test.
Here,
= 3.93
σ = 1.15
Zcal = ( –μ)/ (σ/√n) = 7.86
At 5% level of significance, follows Z distribution Z 0.05= 1.645
Since Z cal> Z tab,the null hypothesis is rejected. So at 5% level of significance, it can be
said that Customers prefer to open Mudaraba value achievement scheme in SIBL bank.
38
40. Cont...
3. Ho: SIBL do not ensure prompt service in account opening for their customers.
HA : SIBL ensure prompt service in account opening for their customers.
I want to test the null hypothesis
HO: μ = 2.5
HA: μ > 2.5
n = 40
Since the sample size n > 30 so, I may use Z - test.
Here,
= 4.08
σ = .985
Zcal = ( –μ)/ (σ/√n) = 10.14
At 5% level of significance, follows Z distribution Z 0.05= 1.645
Since Z cal> Z tab , the null hypothesis is not accepted.
So at 5% level of significance, it can be said that SIBL ensure prompt service in
account opening for their customers.
40
42. Cont...
4. Ho: Customers are not satisfied to deposit their money in Social Islami
Bank Limited.
HA: Customers are satisfied to deposit their money in Social Islami Bank
Limited.
I want to test the null hypothesis
HO: μ = 2.5
HA: μ > 2.5
n = 40
Since the sample size n > 30 so, I may use Z - test.
Here ,
= 4.23
σ = .908
Zcal = ( –μ)/ (σ/√n) = 12.05
At 5% level of significance, follows Z distribution Z 0.05= 1.645
Since Z cal> Z tab,the null hypothesis is rejected.
So at 5% level of significance, it can be said that SIBL delivers satisfactory services
to the customers.
42
44. Cont...
5. Ho: SIBL should not introduce with new value achievement schemes to attract new
customers.
HA: SIBL should introduce with new value achievement schemes to attract new customers.
I want to test the null hypothesis
HO: μ = 2.5
HA: μ > 2.5
n = 40
Since the sample size n > 30 so, I may use Z - test.
Here ,
= 3.93
σ = 1.253
Zcal = ( –μ)/ (σ/√n) = 7.22
At 5% level of significance, follows Z distribution Z 0.05= 1.645
Since Z cal> Z tab , the null hypothesis is rejected.
So at 5% level of significance, it can be said that SIBL should introduce with new value
achievement schemes to attract new customers.
44
46. Cont...
6. Ho: Interest rate is not good of Social Islami Bank Limited.
HA: Interest rate is good of Social Islami Bank Limited.
I want to test the null hypothesis
HO: μ = 2.5
HA: μ > 2.5
n = 40
Since the sample size n > 30 so, I may use Z - test.
Here,
= 4.18
σ = .833
Zcal = ( –μ)/ (σ/√n) = 12.76
At 5% level of significance, follows Z distribution Z 0.05= 1.645
Since Z cal> Z tab , the null hypothesis is rejected.
So at 5% level of significance, it can be said that interest rate is good of Social Islami Bank
Limited for Customers.
46
48. Findings
1) Social Islami Bank Ltd offer attractive value achievement scheme. From this study it is
revealed that respondents 28% are agreed, 50% respondents are strongly agreed. 15%
respondents are neither agreed nor disagreed and 5%respondents are disagreed, another
2% strongly disagreed. So we can say that Social Islami Bank Ltd offer attractive value
achievement scheme. As majority respondents are strongly agree with this statement.
2) It is seen in hypothesis two that 30%respondents are agreed, 40% respondents are
strongly agreed, 17% respondents are neither agreed nor disagreed, 8% respondents are
disagreed, 5% respondents are strongly disagreed in statement that Customers prefer to
open Mudaraba value achievement scheme in Social Islami bank Ltd. So most of the
respondents agreed that they prefer to open Mudaraba value achievement schemes in
Social Islami bank Ltd.
3) As per the result of third hypothesis we see that the percentage of acceptance, 32%
clients are agreed and 43% strongly agreed. Another 15% respondents are neither agreed
nor disagreed, 10% are disagreed towards that Social Islami Bank Ltd. ensure prompt
service in account opening for their customers. So it may say Social Islami Bank Ltd.
ensure prompt service in account opening for their customers.
48
49. Cont...
4) In hypothesis four, from this study it is revealed that clients are satisfied to
deposit their money in Social Islami Bank Limited. Here 35% clients are very
agreed and 47% strongly agreed, another 10% clients are neither agree nor
disagreed; only 8% disagreed.
5) In hypothesis five, revealed that 17% respondents are agreed, 48% respondents
are strongly agreed, 22% respondents are neither agreed nor disagreed, 5%
respondents are disagreed, 8% respondents are strongly disagreed. So most of
the respondents identified that Social Islami Bank Ltd. should introduce with
new value achievement schemes to attract new customers.
6) Social Islami Bank Limited has good interest rate on deposit. So 14% of
respondents agree and 17% of respondents are strongly agreed where 8% of
respondents are neither agree nor disagree and 1% of respondents are disagree
that interest rate is good of Social Islami Bank Limited for Customers.
49
50. Recommendation
1. Social Islami Bank Limited has some attractive value achievement schemes.
Customers are satisfied but I think, SIBL is giving equal focus on all schemes;
so they should try to update all types of deposit schemes and the bank has to
improve their deposit policy. The deposit of the bank should be more
diversified.
2. Customers prefer to open Mudaraba value achievement account (Lakhopoti
scheme, Millionari scheme & Kotipoti Scheme) of SIBL. So they should
introduce new products as per the demand of clients and minimize the cost of
opening deposit schemes. SIBL should ensure the use of latest technology in
banking operation to meet up the customers demand.
3. SIBL ensures prompt service in account opening for their clients. Sometime
customer do not want to spend more time to open a new deposit specially some
valuable clients want to open a deposit via a phone call. So bank may set up a
help desk and also recruits more employees to meet increasing demand fulfilled
for future.
50
51. Cont...
4. Customers are satisfied to deposit their money of SIBL. But some people are
disagreed. So, Social Islami Bank Limited should improve their service, so that
they can develop the mutual understanding with their customers. As Social
Islami Bank have limited ATM booth so they has to introduce their ATM booth
across the country to meet up the customers demand.
5. If they can update or introduce with new value achievement schemes so that
they can attract the new customers. As the clients demand is increasing and they
want new value achievement scheme so they should introduce unique valuable
schemes as per their customers demand.
6. Interest rate is good of Social Islami Bank Limited for customers. Hence, 1%
customers are not satisfied with existing rate based on my research and also 8%
customers do not give their opinion. So, they should increase the interest rate
for Product schemes.
51