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.
Internship report on General Banking activities of Janat Bank limitedReaZ SaFayaT
This chapter discusses the general banking functions of Janata Bank Limited (JBL) in Bangladesh. It describes the key sections and activities of JBL's general banking department, including maintaining different types of deposit accounts, remittance services, cash operations, and clearing activities. The chapter also outlines the various savings, pension, and loan products offered by JBL to individual and business customers.
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.
The document is an internship presentation for a student's internship at Agrani Bank Limited. It provides an overview of the bank's general banking activities. It discusses Agrani Bank's organizational structure, including its vision, mission, and SWOT analysis. It also describes the key departments in general banking - customer service management, cash, clearing, and local remittance sections. It outlines the processes for opening accounts, cash receipt and payment, clearing activities, and local remittances. The purpose is for the student to gain practical knowledge about Agrani Bank's operations during their internship.
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.
This presentation is a outlook of the performance of Islami bank Bangladesh Limited. The presentation includes evaluation of fundamental criteria that a bank needs to analyze to check its performance.
UCO Bank analyzed using CAMELS framework. CAMELS assesses capital adequacy, asset quality, management, earnings, liquidity, and sensitivity to market risk. Analysis of UCO Bank from 2006-2010 showed capital adequacy ratio improved from 11.12% to 13.21% while debt-equity ratio increased significantly, indicating greater reliance on debt than equity. Asset quality also assessed - gross NPA to net advances declined from 3.23% to 2.1% from 2008-2010, showing improved ability to recover loans. Total investments to total assets ranged from 27-32%, demonstrating a conservative investment strategy focused on safety.
This report summarizes the author's 3-month internship at Mercantile Bank Limited in Bangladesh. It discusses the bank's general banking and credit risk management practices. Mercantile Bank provides various deposit products and loan options. It aims to bridge the gap between businesses and individuals who need financial services. The report also examines the bank's credit policies, which involve assessing borrower creditworthiness and obtaining collateral. Mercantile Bank offers financing to both large corporations and small businesses/entrepreneurs. Managing credit risk is important for achieving the bank's goals. The author found that the bank's general banking and credit programs were performing well and helping to grow the economy.
Here are the key objectives of the study:
1. To gain practical knowledge about the overall banking system and operations of NCC Bank Ltd.
2. To understand the various products and services offered by NCC Bank to its customers.
3. To analyze the different banking activities performed at NCC Bank such as account opening, remittance, loans and advances, foreign exchange etc.
4. To identify the strengths and weaknesses of NCC Bank in delivering quality banking services.
5. To provide recommendations for improvement based on findings from the study.
The overall aim is to learn about real-world banking practices through this internship experience at NCC Bank and prepare an informative report on the bank's
Internship report on General Banking activities of Janat Bank limitedReaZ SaFayaT
This chapter discusses the general banking functions of Janata Bank Limited (JBL) in Bangladesh. It describes the key sections and activities of JBL's general banking department, including maintaining different types of deposit accounts, remittance services, cash operations, and clearing activities. The chapter also outlines the various savings, pension, and loan products offered by JBL to individual and business customers.
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.
The document is an internship presentation for a student's internship at Agrani Bank Limited. It provides an overview of the bank's general banking activities. It discusses Agrani Bank's organizational structure, including its vision, mission, and SWOT analysis. It also describes the key departments in general banking - customer service management, cash, clearing, and local remittance sections. It outlines the processes for opening accounts, cash receipt and payment, clearing activities, and local remittances. The purpose is for the student to gain practical knowledge about Agrani Bank's operations during their internship.
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.
This presentation is a outlook of the performance of Islami bank Bangladesh Limited. The presentation includes evaluation of fundamental criteria that a bank needs to analyze to check its performance.
UCO Bank analyzed using CAMELS framework. CAMELS assesses capital adequacy, asset quality, management, earnings, liquidity, and sensitivity to market risk. Analysis of UCO Bank from 2006-2010 showed capital adequacy ratio improved from 11.12% to 13.21% while debt-equity ratio increased significantly, indicating greater reliance on debt than equity. Asset quality also assessed - gross NPA to net advances declined from 3.23% to 2.1% from 2008-2010, showing improved ability to recover loans. Total investments to total assets ranged from 27-32%, demonstrating a conservative investment strategy focused on safety.
This report summarizes the author's 3-month internship at Mercantile Bank Limited in Bangladesh. It discusses the bank's general banking and credit risk management practices. Mercantile Bank provides various deposit products and loan options. It aims to bridge the gap between businesses and individuals who need financial services. The report also examines the bank's credit policies, which involve assessing borrower creditworthiness and obtaining collateral. Mercantile Bank offers financing to both large corporations and small businesses/entrepreneurs. Managing credit risk is important for achieving the bank's goals. The author found that the bank's general banking and credit programs were performing well and helping to grow the economy.
Here are the key objectives of the study:
1. To gain practical knowledge about the overall banking system and operations of NCC Bank Ltd.
2. To understand the various products and services offered by NCC Bank to its customers.
3. To analyze the different banking activities performed at NCC Bank such as account opening, remittance, loans and advances, foreign exchange etc.
4. To identify the strengths and weaknesses of NCC Bank in delivering quality banking services.
5. To provide recommendations for improvement based on findings from the study.
The overall aim is to learn about real-world banking practices through this internship experience at NCC Bank and prepare an informative report on the bank's
This document summarizes an internship report about the loan disbursement and recovery system of NCC Bank Ltd in Bangladesh. The report outlines the objectives of studying the bank's loan approval process, types of loan schemes, disbursement method, and recovery procedures. It also discusses limitations of the study, findings about client satisfaction, documentation fees, and competition, and provides recommendations to improve processes like increasing payment periods, strengthening loan monitoring, and expediting approvals.
This presentation summarizes the general banking activities of Southeast Bank Limited in Bangladesh. It introduces the bank, its mission and vision, organizational structure, products and services. It describes the key functions of the general banking department including account opening and transactions, remittance services, clearing activities and other services. Finally, it discusses some findings from the author's internship experience and provides recommendations to improve customer service and promote the bank.
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.
1) The document analyzes investment alternatives at Axis Bank based on a survey of 150 customers. It finds that customers prefer investing in insurance due to tax benefits and security.
2) When choosing investments, customers consider past performance and records rather than recommendations. They are aware of options like insurance, mutual funds, and fixed deposits.
3) The study suggests that Axis Bank can target aware, educated customers willing to invest by providing advisory services through relationship managers. This will help increase the bank's insurance and investment business.
Comprehensive report on Standard Chartered as Project workPanacea
Standard Chartered Bank is one of the largest multinational banks operating for over 150 years in Asia, Africa, and the Middle East. It has over 1,700 branches across more than 70 countries. The bank opened in Bangladesh in 1947 and has grown significantly through acquisitions like ANZ Grindlays Bank and AMEX Bank. It focuses on building deep client relationships and offers various services including 33 ATM booths and phone/SMS banking.
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 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
Credit Analysis and Risk Management of Standard Bank LimitedAriful Saimon
An Internship Report
On
“Credit Analysis and Risk Management of Standard Bank Limited”
Submitted to:
Mrs. Tanbina Tabassum
Assistant Professor
Department of Finance
Faculty of Business Studies
Premier University, Chittagong.
Submitted by:
Md. Shahadat Hossain
ID: 1502220802160
Major: Finance
Program: MBA (1 year), Batch: 22nd
Premier University
Date of Submission:
The Basel Committee on Banking Supervision introduced stricter Basel III regulations after the 2008 financial crisis to strengthen banks' capital requirements and promote a more resilient banking sector. The key changes included higher minimum capital requirements, a capital conservation buffer, a countercyclical capital buffer, strengthened capital treatment for trading book exposures and securitizations, more stringent counterparty credit risk rules, and the introduction of a non-risk-based leverage ratio. The regulations aimed to reduce systemic risk, improve risk management practices, and promote a safer banking system overall.
This Presentation will represent all the information about general banking activities of Mutual Trust Bank Ltd. It also describe an intern activities report to a specific branch of Mutual Trust Bank.
Sme loan management of exim bank limitedRyan Shams
This presentation summarizes the SME loan management of Exim Bank Limited. It discusses the bank's general and specific objectives around SME loans, including understanding banking competitiveness using Porter's Five Forces model and analyzing Exim Bank's product portfolio using BCG growth model. It also performs a SWOT analysis of Exim Bank and describes the bank's history of SME loans. Key details provided include the types of SME investments offered, terms and conditions, disbursement process, customer and disbursement trends over four years, and recommendations to increase SME loans and customer satisfaction.
This document provides an overview of Bank Alfalah Limited, a commercial bank in Pakistan. It defines key terms like business and accounting. It outlines the bank's vision, mission, organizational structure and departments. It also describes the bank's products and services which include various deposit accounts, home financing loans, credit cards and remittance services. The document shares details about the bank's operations, cash management, clearing processes and remittance methods.
This document provides information about Bank Alfalah, including its definition of accounting, organization structure, products and services. It defines accounting as the process of classifying, recording and interpreting financial transactions. It then outlines Bank Alfalah's vision, mission and historical overview. It describes the bank's departments including operations, credit and accounting and provides details about their key functions.
This document provides an overview of Indian Overseas Bank (IOB), including its history, achievements, IT infrastructure, SWOT analysis, and the current banking sector structure in India. Some key points:
- IOB was founded in 1937 and has since expanded both domestically and internationally, with over 3,200 branches as of 2014.
- In recent years, IOB has received several awards and achieved milestones like opening its 3,000th branch. It has also invested in developing its IT infrastructure.
- A SWOT analysis identifies IOB's strengths as its long history and extensive branch network, while weaknesses include high NPAs and competition from private banks.
- The banking sector in
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.
Dhanlaxmi Bank was incorporated in 1927 in Thrissur, Kerala by a group of entrepreneurs. Over 87 years it has grown its customer base, business scale, and product offerings while focusing on customized services and personal relationships. The bank's vision is "Banking on Relationships forever" and its mission is to become a strong, innovative bank with integrity and social responsibility to maximize customer, employee, shareholder and societal satisfaction. It offers various personal and commercial banking services and engages in financial inclusion initiatives to help farmers and weaker sections of society. The bank operates in southern and western India and faces competition from other regional banks.
This document summarizes an internship report about the loan disbursement and recovery system of NCC Bank Ltd in Bangladesh. The report outlines the objectives of studying the bank's loan approval process, types of loan schemes, disbursement method, and recovery procedures. It also discusses limitations of the study, findings about client satisfaction, documentation fees, and competition, and provides recommendations to improve processes like increasing payment periods, strengthening loan monitoring, and expediting approvals.
This presentation summarizes the general banking activities of Southeast Bank Limited in Bangladesh. It introduces the bank, its mission and vision, organizational structure, products and services. It describes the key functions of the general banking department including account opening and transactions, remittance services, clearing activities and other services. Finally, it discusses some findings from the author's internship experience and provides recommendations to improve customer service and promote the bank.
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.
1) The document analyzes investment alternatives at Axis Bank based on a survey of 150 customers. It finds that customers prefer investing in insurance due to tax benefits and security.
2) When choosing investments, customers consider past performance and records rather than recommendations. They are aware of options like insurance, mutual funds, and fixed deposits.
3) The study suggests that Axis Bank can target aware, educated customers willing to invest by providing advisory services through relationship managers. This will help increase the bank's insurance and investment business.
Comprehensive report on Standard Chartered as Project workPanacea
Standard Chartered Bank is one of the largest multinational banks operating for over 150 years in Asia, Africa, and the Middle East. It has over 1,700 branches across more than 70 countries. The bank opened in Bangladesh in 1947 and has grown significantly through acquisitions like ANZ Grindlays Bank and AMEX Bank. It focuses on building deep client relationships and offers various services including 33 ATM booths and phone/SMS banking.
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 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
Credit Analysis and Risk Management of Standard Bank LimitedAriful Saimon
An Internship Report
On
“Credit Analysis and Risk Management of Standard Bank Limited”
Submitted to:
Mrs. Tanbina Tabassum
Assistant Professor
Department of Finance
Faculty of Business Studies
Premier University, Chittagong.
Submitted by:
Md. Shahadat Hossain
ID: 1502220802160
Major: Finance
Program: MBA (1 year), Batch: 22nd
Premier University
Date of Submission:
The Basel Committee on Banking Supervision introduced stricter Basel III regulations after the 2008 financial crisis to strengthen banks' capital requirements and promote a more resilient banking sector. The key changes included higher minimum capital requirements, a capital conservation buffer, a countercyclical capital buffer, strengthened capital treatment for trading book exposures and securitizations, more stringent counterparty credit risk rules, and the introduction of a non-risk-based leverage ratio. The regulations aimed to reduce systemic risk, improve risk management practices, and promote a safer banking system overall.
This Presentation will represent all the information about general banking activities of Mutual Trust Bank Ltd. It also describe an intern activities report to a specific branch of Mutual Trust Bank.
Sme loan management of exim bank limitedRyan Shams
This presentation summarizes the SME loan management of Exim Bank Limited. It discusses the bank's general and specific objectives around SME loans, including understanding banking competitiveness using Porter's Five Forces model and analyzing Exim Bank's product portfolio using BCG growth model. It also performs a SWOT analysis of Exim Bank and describes the bank's history of SME loans. Key details provided include the types of SME investments offered, terms and conditions, disbursement process, customer and disbursement trends over four years, and recommendations to increase SME loans and customer satisfaction.
This document provides an overview of Bank Alfalah Limited, a commercial bank in Pakistan. It defines key terms like business and accounting. It outlines the bank's vision, mission, organizational structure and departments. It also describes the bank's products and services which include various deposit accounts, home financing loans, credit cards and remittance services. The document shares details about the bank's operations, cash management, clearing processes and remittance methods.
This document provides information about Bank Alfalah, including its definition of accounting, organization structure, products and services. It defines accounting as the process of classifying, recording and interpreting financial transactions. It then outlines Bank Alfalah's vision, mission and historical overview. It describes the bank's departments including operations, credit and accounting and provides details about their key functions.
This document provides an overview of Indian Overseas Bank (IOB), including its history, achievements, IT infrastructure, SWOT analysis, and the current banking sector structure in India. Some key points:
- IOB was founded in 1937 and has since expanded both domestically and internationally, with over 3,200 branches as of 2014.
- In recent years, IOB has received several awards and achieved milestones like opening its 3,000th branch. It has also invested in developing its IT infrastructure.
- A SWOT analysis identifies IOB's strengths as its long history and extensive branch network, while weaknesses include high NPAs and competition from private banks.
- The banking sector in
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.
Dhanlaxmi Bank was incorporated in 1927 in Thrissur, Kerala by a group of entrepreneurs. Over 87 years it has grown its customer base, business scale, and product offerings while focusing on customized services and personal relationships. The bank's vision is "Banking on Relationships forever" and its mission is to become a strong, innovative bank with integrity and social responsibility to maximize customer, employee, shareholder and societal satisfaction. It offers various personal and commercial banking services and engages in financial inclusion initiatives to help farmers and weaker sections of society. The bank operates in southern and western India and faces competition from other regional banks.
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic DataChampak Jhagmag
In this presentation, we will explore the rise of generative AI in finance and its potential to reshape the industry. We will discuss how generative AI can be used to develop new products, combat fraud, and revolutionize risk management. Finally, we will address some of the ethical considerations and challenges associated with this powerful technology.
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4. Topics Will be Covered in this
Presentation
01
02
03
04
Introduction
Historical Background of EXIM Bank Limited
Duties and Responsibilities as an Intern
Literature Review
Easy to change colors, photos and Text.
5. Topics Will be Covered in this
Presentation (Contd.)
05
06
07
08
Methodology
Research Findings and Analysis
Summary of Findings
Recommendations and Conclusion
Easy to change colors, photos and Text.
8. Mr. Md. Nazrul Islam
Mazumder
Chairman of EXIM Bank
Dr. Mohammad Haider Ali Miah
Managing Director & CEO of EXI
M Bank
“SYMPHONY” Plot no. SE(F)-9, Road
No.142, Gulshan Avenue, Dhaka-1212,
Bangladesh
Location of Head Office
June 02, 1999
Date of incorporation
Taka 20,000.00 million
Authorized capital of EXIM Bank
2790
Total number of employees
Corporate information of
EXIM Bank Limited
9. Background of EXIM Bank Limited
Mission Vision Objectives Company Culture
13. Duties and Responsibilities as a
n Intern
Internship-Time
Duration
Duties Performed in Gene
ral Banking
1. Account opening secti
on
2. Cash Section
Duties performed in Foreig
n Exchange
Department
Duties performed in
Investment Department
Duties performed in HR D
epartment
14. The ‘human’ aspect of HRM is concerned with the affiliation bet
ween employer and employee and is connected with the huma
n relations program
Walton, 1985
Organizations that do not
pay impartially compared to
others may lose their employees
because of the non-competitive
compensation bundle or package
Adams, 1965
To inspire its workers, the
company should have good HR
strategies
Aswathappa, 2008
Recruitment and selection, job design, socialization,
Career development,
training, reward for employees,
communication/participation,
management of performance and job
security are the best HR practices
Huselid, 1995
Staffing, return and benefits,
safety and health, HR department, and empl
oyer and labor relations are the functional ar
eas of HRM.
Mondy and Noe, 2005
Recruitment and selection were
positively linked to all variables of organizati
onal performance
such as efficiency, innovation
and quality
Katou and Budhwar, 2007
Human resource management
(HRM) is measured as a critical
organizational source that
supports an organization
sustain its effective action
Lee & Heard, 2000
Literature Review
Related Literature (HRM)
15. The banking industry is a
significant element of the
financial area for proper
management of financial resources across the
world
Ahmad Ashfaq et al, 2010
Literature Review (Contd.)
Human Resource in Banking Industry
If any organization wants to operate its busines
s smoothly, effectively
and efficiently, the most precious
and essential factor that
organizations need is human being
Mosadragh, 2003
Well-qualified and skilled
employees are important in the context o
f attaining goals and objectives of an orga
nization
Shahnawaz M.G et al, 2006
16. Shelagh Heffernan
2005
•The bank is one of the
financial organizations. But
it varies from other firm
because the bank gathers
money from customer as a
deposit and gives money to
customer as a loan
Barbara Casu 2006
•The bank keeps financial report
such as balance sheet and profit
and loss account to measure their
financial presentation
•Key source of bank is a customer
deposit
•Deposits are described on the
balance sheet as a liability
Literature Review (Contd.)
Related Literature (General Banking)
17. Annual report, Audit report,
Journal & Manuals,
internship book of EXIM bank
Website of EXIM Bank Bangladesh Limited
Secondary sources
Practical experience of banking
Training and discussing with our superviso
r and manager
Primary sources
Methodology
I have gathered data from the two unique
sources…
Sources of Information
19. Recruitment and Selection
Practices of EXIM Bank Limited
Definition of
Recruitment
Recruitment
Methods The department of
recruitment
Basis of Recruitment
Responsibility of
HR Management
Recruitment Policy in
EXIM Bank Ltd
20. General Requirements for all grades
Job Responsibilities of Recruitment
Objectives of Recruitment
Disqualification for Recruitment
Eligibility to Apply
Requirement Analysis by Respective Department
Recruitment and Selection
Practices of EXIM Bank Limited
21. General Banking
Components of General Banking
General Banking
contains of following
units in the branch.
These are as follows:
1. Account opening
2. Account closing
3. Deposits Account
4. Issuance of cheque book
5. Issuance of Debit Card
6. Solve the complications related with the SMS Banking
7. Clearing cheques.
8. Provide foreign remittance services.
22. The Procedure of opening account
General Banking (Contd.)
Step1
•Bank provides account introductory form to the prospective client or applicant
Step2
•Applicant fills up the form
Step3
•Application complies the form duly signed by an introducer and along with two passport size photos attested from the
introducer
Step4
•The approved officer analyzes the form
Step5
•If no errors are found, the officer will continue with the account opening
Step6
•He/ She will issue a deposit slip where a deposit needs to be made
Step7
•Then, he/she will issue the checkbook with the Signature card to confirm the customer
Step8
•Bank conserves the sample
Step9
•Account is opened
23. MSD (Mudaraba Saving Deposit)
Profit is payable to the customer in this savings
account
The bank permits depositors to open an essential
savings account by inspiring funds habit
amongst the general community
These accounts are used and opened as the savings account
Two types of saving accounts are accessible
entitling as "Single Saving Account," and
"Joint Saving Account"
At last an amount of Tk. 1000/= is needed for
opening this type of account, and its charges
yearly are Tk.250
A saver will be allowed to withdraw per week up
To 25% of the balance of his account
General Banking (Contd.)
Various Types of Deposit Account
MTDR (Mudaraba Term Deposit Receipt
)
It is a specific dated deposit scheme-which does
not refund until the maturity date of that fixed
period reaches
The bank provides higher rates of profit on
such deposits
Usually, customers are allowed to open this
account for a period
Any matured person (individually or jointly)
having sound mind can request to open the MTDR
account in any branch of Exim bank with a deposit
of minimum Tk10, 000/- and higher
Some accounts can be opened in the similar
name at the similar different branches of this bank
24. General Banking (Contd.)
Various Types of Deposit Account
Term/ Period Weightage
01months 0.83
02 months 0.83
03 months 0.88
06 months 0.92
1year/2year/3year 0.96
Deposit of MTDR A/c will accept the following weightage: Terms and Conditions of MTDR
No profit will be allowed for premature encashment
within 01 months
If the account is cashed at the end of tenancy but
before maturity, depositors will be entitled
to get the benefit at the provisional rate of profit
from Mudaraba Savings Account
The restricted rate of profit of Mudaraba
Savings Account will treat the provisional
rate of profit, which was overcame while having
the MTDR account
25. Term Weightage
03Years 7.18%
05 Years 7.28%
08 Years 7.43%
10 Years 7.53%
12 Years 7.63%
Mudaraba Monthly Savings Scheme (MMSS)
It is a once-a-month delivery scheme that safeguards future with
fewer tensions and more ease. A minor savings of today will provide a
comfort for the next day.
Period of Savings and Installment Rate Per Month
The savings period is for 3,5,8,10, or 12 years and the payment is tk
500/, 1000/, 2000/, or 5000 consequently.
Bank has the right to change the weightage of deposit.
Deposit will bear the following weightage:
General Banking (Contd.)
Various Types of Deposit Account
26. Term TK 1000 Tk 2000 Tk 5000 Tk 10,000 Tk 20,000
03 years
@
7.18%
40,277 80,555 2,01,388 4,02,777 8,05,555
05 years
@
7.28%
72,551 72,551 3,62,758 7,255,16 14,51,032
08 years
@
7.43%
1,31,407 1,31,407 6,57,038 1,31,4079 26,28,153
10 years
@
7.53%
1,79,344 1,79,344 8,96,723 1,79,3447 35,86,895
12 years
@
7.63%
2,35,993 2,35,993 11,79,965 2,55,9931 47,19,863
The welfare that will get from MMSS is given below
General Banking (Contd.)
Various Types of Deposit Account
27. Mudaraba Millionaire Deposit Scheme & Mudaraba Kotipoti Saving
Scheme Objectives
A scheduled savings Scheme that helps the clients of
all contests & societies maximization their
wealth by providing the remarkable return of their
reserves.
It is a savings scheme which supports the customers of
all level in creating the positive contribution to their
family by providing a fund in family's financial crises
Requirements
Two copies of current passport size photographs
of the account holder.
Copy of Passport/National ID Card/ Ward
Commissioner's Certificate of the account
holder adequate to the bank
One copy recent passport size photograph of nominee attested by the acc
ount holder
Features and Benefits of both MMDS & MKSS
Deposit on scheduled payment basis
Attractive rate of turnover
Allowed to open several MMDS Account with
different amount in any branch of the Bank
Monthly installment can be located through
debit training from the designated Mudaraba
CD/SB Account
The reserves period is for 3,5,8,10 & 12 years,
Bank has the right to adjust the weight of
Deposit and proportion of circulation of
investment
General Banking (Contd.)
Various Types of Deposit Account
28. Tenure Profit Rate
Monthly
Installment
Expected
Amount
03 years 7.28% 24,790 10,00,000
05 years 7.38% 13,750 10,00,000
08 years 7.53% 7,578 10,00,000
10 years 7.63% 5,545 10,00,000
12 years 7.73% 4,210 10,00,000
15 years 7.88% 2,902 10,00,000
Tenure
Profit
Rate
Monthly
Installment
Expected
amount
03 years
7.23 2,48,079 1,00,00,000
05 years
7.33 1,37,650 1,00,00,000
08 years
7.48 75,933 1,00,00,000
10 years
7.58 55,603 1,00,00,000
12 years
7.68 42,230 1,00,00,000
15 years
7.83 29,148 1,00,00,000
18 years
7.98 29,739 1,00,00,000
General Banking (Contd.)
Various Types of Deposit Account
Deposit will bear the following weightage
MMDS MKDS
29. Mudaraba Su-Grehini Monthly Savings Scheme (MSGMSS)
Mudaraba Femina Monthly Savings Scheme (MFMSS)
EXIM Monthly Hajj Deposit
Mudaraba Senior Monthly Savings Scheme (MSMSS)
Other
Schemes
General Banking (Contd.)
Various Types of Deposit Account
31. Remittance Section
The word Remittance' means the circulation of money from on
e place to added place through a post and spreads.
Money-making banks representation this facility to its clients usi
ng unloading money from one
branch of the bank and making an easier
arrangement for payment to another branch
within the country.
Payment order (PO)
Demand Draft (DD)
General Banking (Contd.)
32. Summary of Findings
HR Division
my personal observation is the hr practice of Exim Bank is
lengthy and candidates have to pass a lot of steps to get
a job that is why sometimes the practice seems to be ti
me consuming.
sometimes biasness will come throughout the selection
practice while choosing employees for branch.
EXIM Bank use traditional recruitment practice so tha
t their cost is high for this.
Moreover I observed that EXIM bank should use
more external bases of recruitment like campus recruitm
ent, recruitment through competition etc.
33. Summary of Findings (Contd.)
General Banking Section
EXIM Bank is not
technically updated.
Particularly, in general
banking department
Most of the
customers cannot
understand the Islamic
Shariah for instance
Mudaraba
Musharaka,
Mudabaha, Bai Muajjal
etc. which is a big
challenge for Islamic
banks similar EXIM
Bank Limited
The software used by
EXIM Bank does not
provide sufficient
support on banking
services
Procedure of account
opening is tough for
the uneducated
people
Advertising and
promotion are the
weak points of EXIM
Bank Limited
34. To open a new
account in this bank,
the customer needs
an introducer. But
sometimes the
customer may fail to
manage reference for
opening an account
which is a major
problem for the bank
They provide more
concentration only to
the high amount of
fixed deposit
Their cash payment
process is traditional
like withdrawing
money by using
cheque because their
ATM Card facility is
very poor to compare
with other banks and
online banking service
is not fast and
satisfactory
They don’t have
efficient workers to
operate different
department in the
bank
Staff and
departmental
conferences at the
branch level do not
hold or very few
which may cause
problem in the future
This bank is very
centralized. For every
work, branch offices
have to get
permission from the
head office. The head
office tightly controls
every branch office.
This dependency on
head office causes a
slowdown of branch
activities
Summary of Findings (Contd.)
General Banking Section
35. Most of the employees I met is the branch I
worked agreed that the recruitment and
selection system of EXIM Bank is free from
biasness but some nepotism, discrimination and
posting related biasness is existing should
be eradicate.
EXIM Bank uses outdated tools and methods
for recruiting and selecting employees
should be updated
Responsibility of Human Resource Division
should be enlarged in order to reduce recruitment
costings, biases, and to bring effectiveness and
success in the recruitment practice.
The IT section should play a string portion in
enlightening and upgrading the computer system
Recommendations
36. In the career announcement specially for
bottommost employees, The HR department
should remark the pay structure.
The company can recruit also for campus
recruiting that could carry a yield of highly
educated fresh-graduates for the entry-level
the organization could organize sessions in the
top business schools.
To build a strong image and reputation in the
competitive market EXIM Bank should give emphasis
on their advertisement and promotional campaigns
EXIM Bank should use the modern banking
technique and technology to provide quality
services to its customers
For easy access to account opening EXIM Bank should cancel the i
ntroducer system
Recommendations(Contd.)
37. The bank should increase their
workforce according to their customer
demand
EXIM Bank should arrange seminar,
meeting and training program for their
Interns
Their online banking system needs to
be updated to attract more customers
EXIM Bank can open more branches to
reach more clients and more atm booths
Proper Banking software should be
used to provide speedy services to
its customers
The authority should arrange extensive training
and development program for their employees
so that they can effectively perform their
duties and responsibilities
Recommendations(Contd.)