The document is an internship report submitted by Mr. Md. Tawfique Hossain to his lecturer Ms. Tasneema Afrin on his internship at the corporate branch of Bank Asia Limited, where he learned about the bank's foreign trade activities including letters of credit, import and export procedures, and foreign remittance. It includes an acknowledgement of those who helped him, an executive summary of the report's contents, and details of the bank's history, vision, products, and the employee structure at the corporate branch.
Internship report on foreign trade activities in bank asia ltdWINNERbd.it
This document is an internship report submitted by Mr. Md. Tawfique Hossain to his lecturer Ms. Tasneema Afrin about his internship at Bank Asia Ltd, focusing on the bank's foreign trade activities. The report includes an introduction, acknowledgements, executive summary, and chapters on the bank's organization, foreign exchange operations, performance and trend analysis, recommendations and conclusions. It provides details on Bank Asia's history, vision, products and structure. It also examines the bank's import and export procedures, letter of credit process, financing options, and foreign remittance activities. Tables and appendices with additional information are also included.
Foreign exchange performance of trust bankWINNERbd.it
The document is an internship report submitted by Reazul Islam (Mobin) to his lecturer Mr. Abdul Alim Baser at BRAC Business School analyzing the foreign exchange performance and profitability of The Trust Bank Limited (TBL) based on a 3-month internship. The summary analyzes TBL's foreign exchange activities, evaluates its foreign exchange performance, and provides recommendations. It includes an introduction to TBL, descriptions of its products/services and departments, and discusses topics like import/export procedures, foreign remittances, and challenges in foreign exchange operations.
Bank Asia was founded in 1999 by successful entrepreneurs to be a fully customer-focused bank providing technology-driven products and services. The document analyzes Bank Asia's foreign exchange performance from 2009-2013, finding a decline in foreign exchange business from 2013 to 2012, though growth in previous years. It compares Bank Asia's export, import, and remittance amounts to other banks, and makes recommendations to increase foreign exchange business, such as improving customer service and website information.
Report on Foreign exchange procedures of al arafah islami bank ltdAsad Saimon
Al-Arafah Islami Bank Limited.it will give a wide view of different stages of operational procedure of Al-Arafah Islami Bank Limited, starting from the investment application to investment disbursement and the comparison between standard and existing credit appraisal system of a Bank.
This document provides background information on a study of the foreign exchange performance of Shahjalal Islami Bank Ltd. It discusses the objectives of the report, which are to evaluate the bank's foreign exchange services including import, export, remittance and to identify any problems and provide suggestions. The methodology, sources of data, scope and limitations of the study are also outlined. It then provides an overview of the company including its mission, vision and features to give context to the foreign exchange analysis that will be presented.
This document discusses remittance management at Sonali Bank Limited in Bangladesh. It aims to understand Sonali Bank's remittance system, compare remittance amounts from different countries, identify remittance recipients, and provide recommendations. Remittance refers to money sent from migrants to others. While Sonali Bank collects remittances from foreign exchange houses, its website and processes need improvements. The document recommends enhancing services, clarifying terms, improving the website and software, hiring skilled staff, and streamlining remittance processing to increase foreign remittances and benefit Bangladesh's economy.
This internship report summarizes Shirin Akter Shetu's internship at Southeast Bank Limited in Sylhet, Bangladesh. The report includes an introduction outlining the report's background, scope, objectives and methodology. It also provides literature on the banking industry in Bangladesh and a profile of Southeast Bank Limited. The main chapter analyzes Southeast Bank's foreign remittance management process, global partners, regulations and 5-year performance trends. The report finds insights on remittance performance and challenges. It concludes by recommending ways to improve services and contributions of remittances to Bangladesh's economy.
Internship report on foreign trade activities in bank asia ltdWINNERbd.it
This document is an internship report submitted by Mr. Md. Tawfique Hossain to his lecturer Ms. Tasneema Afrin about his internship at Bank Asia Ltd, focusing on the bank's foreign trade activities. The report includes an introduction, acknowledgements, executive summary, and chapters on the bank's organization, foreign exchange operations, performance and trend analysis, recommendations and conclusions. It provides details on Bank Asia's history, vision, products and structure. It also examines the bank's import and export procedures, letter of credit process, financing options, and foreign remittance activities. Tables and appendices with additional information are also included.
Foreign exchange performance of trust bankWINNERbd.it
The document is an internship report submitted by Reazul Islam (Mobin) to his lecturer Mr. Abdul Alim Baser at BRAC Business School analyzing the foreign exchange performance and profitability of The Trust Bank Limited (TBL) based on a 3-month internship. The summary analyzes TBL's foreign exchange activities, evaluates its foreign exchange performance, and provides recommendations. It includes an introduction to TBL, descriptions of its products/services and departments, and discusses topics like import/export procedures, foreign remittances, and challenges in foreign exchange operations.
Bank Asia was founded in 1999 by successful entrepreneurs to be a fully customer-focused bank providing technology-driven products and services. The document analyzes Bank Asia's foreign exchange performance from 2009-2013, finding a decline in foreign exchange business from 2013 to 2012, though growth in previous years. It compares Bank Asia's export, import, and remittance amounts to other banks, and makes recommendations to increase foreign exchange business, such as improving customer service and website information.
Report on Foreign exchange procedures of al arafah islami bank ltdAsad Saimon
Al-Arafah Islami Bank Limited.it will give a wide view of different stages of operational procedure of Al-Arafah Islami Bank Limited, starting from the investment application to investment disbursement and the comparison between standard and existing credit appraisal system of a Bank.
This document provides background information on a study of the foreign exchange performance of Shahjalal Islami Bank Ltd. It discusses the objectives of the report, which are to evaluate the bank's foreign exchange services including import, export, remittance and to identify any problems and provide suggestions. The methodology, sources of data, scope and limitations of the study are also outlined. It then provides an overview of the company including its mission, vision and features to give context to the foreign exchange analysis that will be presented.
This document discusses remittance management at Sonali Bank Limited in Bangladesh. It aims to understand Sonali Bank's remittance system, compare remittance amounts from different countries, identify remittance recipients, and provide recommendations. Remittance refers to money sent from migrants to others. While Sonali Bank collects remittances from foreign exchange houses, its website and processes need improvements. The document recommends enhancing services, clarifying terms, improving the website and software, hiring skilled staff, and streamlining remittance processing to increase foreign remittances and benefit Bangladesh's economy.
This internship report summarizes Shirin Akter Shetu's internship at Southeast Bank Limited in Sylhet, Bangladesh. The report includes an introduction outlining the report's background, scope, objectives and methodology. It also provides literature on the banking industry in Bangladesh and a profile of Southeast Bank Limited. The main chapter analyzes Southeast Bank's foreign remittance management process, global partners, regulations and 5-year performance trends. The report finds insights on remittance performance and challenges. It concludes by recommending ways to improve services and contributions of remittances to Bangladesh's economy.
Internship report on Al arafah Islami Bank Amberkhana BranchRayhanAhmed25
This document provides an overview of the banking industry and history of banking in Bangladesh. It defines what a bank and banking are, and describes the key concepts. It outlines the history of modern banking practices emerging in the 17th-18th centuries in Europe. For Bangladesh specifically, it notes that after independence, the central bank was reorganized from the former State Bank of Pakistan branch and named Bangladesh Bank in 1972. The banking sector in Bangladesh plays a pivotal role in the country's economic development.
Internship report on foreign trade division of ab bankWINNERbd.it
This 3-sentence summary provides the key details from the internship report document:
The document is an internship report submitted by Mirza Sarah Alam to their senior lecturer at BRAC University about their 3-month internship at the Foreign Trade Division of AB Bank Limited. It includes sections on the background, objectives and methodology of the internship, an overview of AB Bank, a description of the intern's experiences in the General Banking and Foreign Trade divisions, and recommendations.
This internship report summarizes Rafiqul Islam's 3-month internship at the Gulshan branch of Al-Arafah Islami Bank Limited (AIBL) in Bangladesh, focusing on the bank's investment management activities. The report includes an executive summary of AIBL's background, operations, investment sectors, products, procedures, criteria for evaluating investment proposals, causes of loan defaults, and monitoring and recovery processes. It aims to provide an overview of AIBL's investment management and identify strengths, weaknesses, and risks. The report is based on both primary data collected from bank officers and secondary sources such as AIBL publications.
This document provides an overview of the banking industry in Bangladesh and Southeast Bank Limited (SEBL). It discusses the history and types of banks operating in Bangladesh, including central bank Bangladesh Bank, four nationalized commercial banks, and various private commercial banks. The document also outlines the objectives, methodology, scope, and limitations of the report, which focuses on analyzing SEBL's foreign remittance management practices at its Chowhatta, Corporate Branch in Sylhet.
Report on Foreign exchange market of hsbc bangladesh ltdAsad Saimon
The foreign exchange market has played a vital role in the last decade or so in guiding the purchase and sale of goods, services and raw materials globally. The market directly affects country’s bond, equities, private property, manufacturing and all assets that are available to foreign investors. The market is a stabilizing factor in the world system of monetary exchange and was created not by design but necessity.
This document appears to be an internship report submitted by Golam Saroar Parvez to their university professor, Rafiqul Islam. The report focuses on the remittance management system of Sonali Bank Ltd in Bangladesh. It includes an introduction, objectives of the study, organizational overview of Sonali Bank, learning aspects of remittance processes, findings and recommendations. The report analyzes remittance trends and Sonali Bank's role in facilitating domestic and international money transfers important to Bangladesh's economy.
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.
The document is an internship report submitted by Mariam Jahan Nipun to her professor regarding her internship at First Security Islami Bank Limited (FSIBL). The report contains an introduction, objectives of the study, methodology, limitations and various chapters on FSIBL's profile, history, Islamic banking principles, management structure, and different modes of investment including Bai, Mudarabaha, Musharaka and Ijarah. The report also includes annual reports of FSIBL from 2009-2012 and findings on FSIBL's investment trends, financial stability and SWOT analysis.
This document discusses Samiul Haque's internship report on the banking practices and general banking functions of Al-Arafah Islami Bank Ltd in Bangladesh. It provides background on the bank, outlines its mission and vision, describes the various products and services offered, and reviews relevant literature on topics like banking strategies, customer satisfaction, and service quality dimensions. The report aims to understand AIBL's environment and management, fulfill academic requirements, and identify strengths and weaknesses to recommend improvements.
The Investment and Comprehensive Performance Analysis of Commercial Bank. A c...Fayshal Hossan Miazy
This internship report provides an overview and analysis of Al-Arafah Islami Bank Ltd (AIBL) in Bangladesh. The report contains three parts:
1. An organizational overview of AIBL, including its vision, mission, management structure, Shariah board, and branches.
2. An analysis of AIBL's investments using different Islamic financing modes like Bai, Leasing, and Mudaraba. Sector-wise investments are also discussed.
3. A research section analyzing clients' views and satisfaction with AIBL's products and services.
The report aims to provide information on AIBL's operations and investments to help evaluate its performance and identify areas for improvement. Primary
1) AB Bank Limited was established in Bangladesh in 1981 as the first private sector bank and began operations in 1982.
2) Over the past 32 years, AB Bank has expanded to include 93 branches, 11 SME centers, 239 ATMs, over 4 million accounts, and over 100,000 shareholders across Bangladesh and one branch in Mumbai, India.
3) In 2013, AB Bank saw profits increase by 21% over the previous year and assets grow to over 208 billion taka as the bank continued to experience strong growth in loans and deposits.
This document provides background information on Al-Arafah Islami Bank Limited (AIBL), one of the leading Islamic commercial banks in Bangladesh. It discusses AIBL's historical background, including its founding in 1995. It outlines some of AIBL's special characteristics as an Islamic bank, such as operating according to Islamic sharia law and distributing a portion of profits to depositors annually. The document also provides a brief overview of the Islamic banking movement in Bangladesh that led to the establishment of banks like AIBL.
National Bank of Pakistan was established in 1949 to cope with economic crisis after trade issues with India. It commenced operations financing the jute trade and crop. Today it has over 1,450 branches across Pakistan and 21 international branches. As the largest bank in Pakistan, it plays a vital role in developing the agriculture sector and financing trade, while also handling treasury transactions for the government.
Prime Bank Limited is a private commercial bank in Bangladesh that was established in 1995. The report provides an overview of Prime Bank, including its vision, mission, management structure, departments, products, and financial performance. It also discusses the general banking activities and operations of the bank's Dhanmondi branch.
The document provides details about the author's 6-week internship at the National Bank of Pakistan (NBP) branch in Ubauro, Sindh. It discusses the bank's history, departments and tasks the author completed during the internship. The author learned about account opening, remittances, and clearing checks. They opened savings and current accounts, processed payments like pay orders and demand drafts, and cleared incoming and outgoing checks within and between cities. The NBP plays an important role in Pakistan's financial sector.
Customer satisfaction of al arafah islami bank ltdSheikh Rakin
This document is an internship report submitted to Daffodil International University on customer satisfaction at Al-Arafah Islami Bank Ltd. It includes an introduction outlining the objectives to evaluate staff service quality, convenient banking hours and customer care. The methodology section describes conducting a survey of 100 customers using a questionnaire on reliability, responsiveness, assurance, empathy and tangibles. The report also acknowledges contributions from supervisors and bank employees who provided support and information.
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.
The document describes the internship experience of Aqsa Nawab at the Bank Alfalah Islamic branch in Multan Road, Lahore. It provides details of the internship duration and training received in various bank departments like services, accounts opening, scanning, and cash. The document also gives an overview of Bank Alfalah's organizational structure and the functions of different departments at the branch where the internship was completed.
This document summarizes a student internship report on Basic Bank Limited and the Hallmark scam. It includes an introduction outlining the purpose and scope of the report. The student collected data through both primary research during their internship at Basic Bank and secondary sources such as annual reports and newspaper articles. The report provides background on Basic Bank's operations, including foreign exchange, credit management, and the procedures involved. It also examines the Hallmark scam that occurred, its impact on the economy, and changes in banking regulation as a result. The summary aims to analyze banking practices and identify any shortcomings that contributed to the Hallmark scam.
This document provides a summary of proper merchandising and quality management systems in the ready-made garment (RMG) sector. It discusses key aspects of merchandising like the concept, types, functions and importance. It also outlines the responsibilities of merchandisers and important activities at different stages of production including sampling, order processing, costing and fabric consumption calculation. Regarding quality management, the document discusses systems like quality assurance, control, pre-production processes and factory inspection protocols. It aims to establish best practices for merchandising and quality in the RMG industry.
Internship report on Al arafah Islami Bank Amberkhana BranchRayhanAhmed25
This document provides an overview of the banking industry and history of banking in Bangladesh. It defines what a bank and banking are, and describes the key concepts. It outlines the history of modern banking practices emerging in the 17th-18th centuries in Europe. For Bangladesh specifically, it notes that after independence, the central bank was reorganized from the former State Bank of Pakistan branch and named Bangladesh Bank in 1972. The banking sector in Bangladesh plays a pivotal role in the country's economic development.
Internship report on foreign trade division of ab bankWINNERbd.it
This 3-sentence summary provides the key details from the internship report document:
The document is an internship report submitted by Mirza Sarah Alam to their senior lecturer at BRAC University about their 3-month internship at the Foreign Trade Division of AB Bank Limited. It includes sections on the background, objectives and methodology of the internship, an overview of AB Bank, a description of the intern's experiences in the General Banking and Foreign Trade divisions, and recommendations.
This internship report summarizes Rafiqul Islam's 3-month internship at the Gulshan branch of Al-Arafah Islami Bank Limited (AIBL) in Bangladesh, focusing on the bank's investment management activities. The report includes an executive summary of AIBL's background, operations, investment sectors, products, procedures, criteria for evaluating investment proposals, causes of loan defaults, and monitoring and recovery processes. It aims to provide an overview of AIBL's investment management and identify strengths, weaknesses, and risks. The report is based on both primary data collected from bank officers and secondary sources such as AIBL publications.
This document provides an overview of the banking industry in Bangladesh and Southeast Bank Limited (SEBL). It discusses the history and types of banks operating in Bangladesh, including central bank Bangladesh Bank, four nationalized commercial banks, and various private commercial banks. The document also outlines the objectives, methodology, scope, and limitations of the report, which focuses on analyzing SEBL's foreign remittance management practices at its Chowhatta, Corporate Branch in Sylhet.
Report on Foreign exchange market of hsbc bangladesh ltdAsad Saimon
The foreign exchange market has played a vital role in the last decade or so in guiding the purchase and sale of goods, services and raw materials globally. The market directly affects country’s bond, equities, private property, manufacturing and all assets that are available to foreign investors. The market is a stabilizing factor in the world system of monetary exchange and was created not by design but necessity.
This document appears to be an internship report submitted by Golam Saroar Parvez to their university professor, Rafiqul Islam. The report focuses on the remittance management system of Sonali Bank Ltd in Bangladesh. It includes an introduction, objectives of the study, organizational overview of Sonali Bank, learning aspects of remittance processes, findings and recommendations. The report analyzes remittance trends and Sonali Bank's role in facilitating domestic and international money transfers important to Bangladesh's economy.
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.
The document is an internship report submitted by Mariam Jahan Nipun to her professor regarding her internship at First Security Islami Bank Limited (FSIBL). The report contains an introduction, objectives of the study, methodology, limitations and various chapters on FSIBL's profile, history, Islamic banking principles, management structure, and different modes of investment including Bai, Mudarabaha, Musharaka and Ijarah. The report also includes annual reports of FSIBL from 2009-2012 and findings on FSIBL's investment trends, financial stability and SWOT analysis.
This document discusses Samiul Haque's internship report on the banking practices and general banking functions of Al-Arafah Islami Bank Ltd in Bangladesh. It provides background on the bank, outlines its mission and vision, describes the various products and services offered, and reviews relevant literature on topics like banking strategies, customer satisfaction, and service quality dimensions. The report aims to understand AIBL's environment and management, fulfill academic requirements, and identify strengths and weaknesses to recommend improvements.
The Investment and Comprehensive Performance Analysis of Commercial Bank. A c...Fayshal Hossan Miazy
This internship report provides an overview and analysis of Al-Arafah Islami Bank Ltd (AIBL) in Bangladesh. The report contains three parts:
1. An organizational overview of AIBL, including its vision, mission, management structure, Shariah board, and branches.
2. An analysis of AIBL's investments using different Islamic financing modes like Bai, Leasing, and Mudaraba. Sector-wise investments are also discussed.
3. A research section analyzing clients' views and satisfaction with AIBL's products and services.
The report aims to provide information on AIBL's operations and investments to help evaluate its performance and identify areas for improvement. Primary
1) AB Bank Limited was established in Bangladesh in 1981 as the first private sector bank and began operations in 1982.
2) Over the past 32 years, AB Bank has expanded to include 93 branches, 11 SME centers, 239 ATMs, over 4 million accounts, and over 100,000 shareholders across Bangladesh and one branch in Mumbai, India.
3) In 2013, AB Bank saw profits increase by 21% over the previous year and assets grow to over 208 billion taka as the bank continued to experience strong growth in loans and deposits.
This document provides background information on Al-Arafah Islami Bank Limited (AIBL), one of the leading Islamic commercial banks in Bangladesh. It discusses AIBL's historical background, including its founding in 1995. It outlines some of AIBL's special characteristics as an Islamic bank, such as operating according to Islamic sharia law and distributing a portion of profits to depositors annually. The document also provides a brief overview of the Islamic banking movement in Bangladesh that led to the establishment of banks like AIBL.
National Bank of Pakistan was established in 1949 to cope with economic crisis after trade issues with India. It commenced operations financing the jute trade and crop. Today it has over 1,450 branches across Pakistan and 21 international branches. As the largest bank in Pakistan, it plays a vital role in developing the agriculture sector and financing trade, while also handling treasury transactions for the government.
Prime Bank Limited is a private commercial bank in Bangladesh that was established in 1995. The report provides an overview of Prime Bank, including its vision, mission, management structure, departments, products, and financial performance. It also discusses the general banking activities and operations of the bank's Dhanmondi branch.
The document provides details about the author's 6-week internship at the National Bank of Pakistan (NBP) branch in Ubauro, Sindh. It discusses the bank's history, departments and tasks the author completed during the internship. The author learned about account opening, remittances, and clearing checks. They opened savings and current accounts, processed payments like pay orders and demand drafts, and cleared incoming and outgoing checks within and between cities. The NBP plays an important role in Pakistan's financial sector.
Customer satisfaction of al arafah islami bank ltdSheikh Rakin
This document is an internship report submitted to Daffodil International University on customer satisfaction at Al-Arafah Islami Bank Ltd. It includes an introduction outlining the objectives to evaluate staff service quality, convenient banking hours and customer care. The methodology section describes conducting a survey of 100 customers using a questionnaire on reliability, responsiveness, assurance, empathy and tangibles. The report also acknowledges contributions from supervisors and bank employees who provided support and information.
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.
The document describes the internship experience of Aqsa Nawab at the Bank Alfalah Islamic branch in Multan Road, Lahore. It provides details of the internship duration and training received in various bank departments like services, accounts opening, scanning, and cash. The document also gives an overview of Bank Alfalah's organizational structure and the functions of different departments at the branch where the internship was completed.
This document summarizes a student internship report on Basic Bank Limited and the Hallmark scam. It includes an introduction outlining the purpose and scope of the report. The student collected data through both primary research during their internship at Basic Bank and secondary sources such as annual reports and newspaper articles. The report provides background on Basic Bank's operations, including foreign exchange, credit management, and the procedures involved. It also examines the Hallmark scam that occurred, its impact on the economy, and changes in banking regulation as a result. The summary aims to analyze banking practices and identify any shortcomings that contributed to the Hallmark scam.
This document provides a summary of proper merchandising and quality management systems in the ready-made garment (RMG) sector. It discusses key aspects of merchandising like the concept, types, functions and importance. It also outlines the responsibilities of merchandisers and important activities at different stages of production including sampling, order processing, costing and fabric consumption calculation. Regarding quality management, the document discusses systems like quality assurance, control, pre-production processes and factory inspection protocols. It aims to establish best practices for merchandising and quality in the RMG industry.
Cómo afecta el consumo de tabaco y alcohol a la periodontitismongonaco
El consumo de tabaco y alcohol puede aumentar el riesgo de enfermedad periodontal. Fumar cigarrillos reduce la cantidad de sangre y oxígeno que llega a las encías y puede debilitar el sistema inmunológico, lo que dificulta combatir las bacterias dañinas. Beber en exceso también puede debilitar el sistema inmunológico y reducir la salud general de las encías.
Although there have been enormous strides made in the area of health information technology, most developers and users feel frustrated by the pace of change. This new institute will drive Strategy, Innovation and Design for Health ICT
Este documento presenta una introducción a la base de datos Scopus de Elsevier. Scopus es la mayor base de datos de resúmenes y citas de literatura científica revisada por pares, que ofrece herramientas para buscar, analizar y visualizar investigaciones de manera eficiente. El documento describe las características y funcionalidades clave de Scopus como búsquedas, análisis de resultados, perfiles de autor e institución, y comparación de revistas.
The document discusses various workplace health and safety topics such as ventilation, temperature, artificial humidification, overcrowding, lighting, and drinking water. It provides information on establishing appropriate temperature ranges in workplaces, the health risks of extreme heat and cold, how humidification is used in manufacturing, the problems caused by overcrowding workspaces, the legal requirements for lighting and window cleanliness, and ensuring access to clean drinking water for workers.
Critical Decision Method (CDM) is a retrospective interview technique used to elicit expert knowledge, decision strategies, and cues from non-routine incidents requiring expert judgment. CDM interviews typically last about two hours and involve four phases: incident identification, timeline construction, deep questioning of the decision-maker's perspective, and hypothetical "what if" scenarios. The goal of CDM is to improve human performance by understanding how experts perform tasks and make decisions in naturalistic settings.
The document is an internship report submitted by Annira Amin to her supervisor at Independent University, Bangladesh. The report focuses on Advance and Foreign Remittance Services provided by National Credit and Commerce Bank Limited (NCCBL). It includes an executive summary highlighting the importance of remittances to Bangladesh's economy and NCCBL's role in facilitating remittance inflows. The report also contains sections on NCCBL's organizational background, credit management procedures, analysis of loan performance, overview of foreign remittance processes handled by NCCBL, and recommendations.
This document discusses lean thinking and leadership. It covers topics like changing cost perspectives in lean from focusing on costs to customer value. It emphasizes sustaining inequality between customer value and costs. The document presents models for lean thinking alignment with aspects like purpose, process, people and prosperity. It discusses integrating lean with quality management standards. Other topics covered include identifying types of waste, using tools like 5S, standard work and visual management. The document emphasizes leadership aspects such as engaging people, evidence-based decision making and developing a long term philosophy. It presents models for process control and improvement as well as aligning activities through hoshin kanri for business breakthroughs.
Nestle uses an ERP system from SAP to manage its global operations. It spent $280 million to implement the SAP system. The ERP system allows Nestle to manage inventory, sales, production across its many factories worldwide. It also connects Nestle to its suppliers and customers. Nestle spends over $500 million per year on its agreement with IBM to support the IT infrastructure. In Bangladesh, Nestle spends around 10-18 crore taka annually on its IT systems to run the ERP system and ensure connectivity between the global and local operations.
This document discusses various aspects of graphic design and its application in brand promotion. It covers topics such as the definition of graphic design, elements of effective graphic design like simplicity and balance, the graphic design process involving understanding the problem, concept design, and production, and how graphic design is used in logos, websites, packaging, labeling, and advertising campaigns. United Colors of Benetton and Levi's advertising campaigns are discussed as examples of using graphic design for brand promotion.
A commercial invoice is a bill from the seller to the buyer used in international trade. It includes details such as the date, shipment terms, payment terms, description of goods, quantity, unit and total values, country of origin and destination. The commercial invoice requires certification by the local chamber of commerce and legalization by the importing country to verify the invoice details. Any corrections must be initialed. A commercial invoice provides more specifics than a standard shipping invoice used for domestic trade.
Merchandising activities in apparel industry of bangladeshSH Nayeem
The document is a dissertation submitted by Md Sazzad Hossain for a Bachelor of Arts degree in Apparel Manufacturing Management and Technology. It discusses merchandising activities in the apparel industry of Bangladesh and includes chapters on literature review, research methodology, and an academic overview of key merchandising concepts and skills required. The dissertation provides a comprehensive overview of apparel merchandising in Bangladesh.
The document discusses the requirements and criteria for a commercial invoice. A commercial invoice is a customs document used to declare items being exported internationally. While there is no set format, a commercial invoice should include: a description of the item, quantity, purchase value in foreign currency, country of origin, where it was purchased, seller information, buyer information, and shipment details. It provides a sample commercial invoice and lists relevant sources.
The document is an internship report submitted by Md. Emad Uddin to his lecturer Md. Golam Ramij at Southeast University. The report details Emad Uddin's 12-week internship at the Banani branch of Southeast Bank Limited, where he gained experience in the bank's general banking and foreign exchange operations under the supervision of branch managers. The report includes sections on the bank's organizational profile, Emad Uddin's major job responsibilities, an analysis of the bank's foreign exchange activities and performance, and findings from his internship.
This letter summarizes an internship report submitted by Racy Daniel Godino to his supervisor at Eastern University. The report examines the contribution of foreign exchange at National Bank Ltd., where Godino completed his internship. It includes sections on the bank's profile, foreign exchange operations, documents used, letters of credit, import, export, and foreign remittance. The report also analyzes National Bank's performance compared to other private banks in terms of import, export, and remittance volumes. While banks play an important role in foreign trade, the summary notes the banking sector in Bangladesh currently faces issues like a culture of default that impacts bank performance.
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.
Foreign exchange operation (export procedure) of prime bankWINNERbd.it
The document is an internship report submitted by Tawhid Rifat Ami to Syeda Shaharbanu Shahbazi as part of their BBA program requirements. The report provides an overview of Prime Bank Limited's foreign exchange operations, with a focus on export procedures. It includes an introduction to PBL, its vision, mission, organizational structure and key services. The report also analyzes PBL's export and import volumes, performs comparisons to other banks, and provides observations and suggestions based on the internship experience.
This document provides an internship report on retail banking activities at Union Bank Limited in Bangladesh. It includes an introduction outlining the report's objectives and methodology. It also provides an overview of Union Bank, including its profile, vision, mission, products and services. The analysis and evaluation section examines Union Bank's retail banking department and its various services like deposits, remittance, accounts, loans, and others. It concludes with findings from the internship and recommendations.
The document is an internship report on foreign exchange activities and training of foreign exchange employees at Trust Bank Limited. It includes an introduction, organization profile, working experience, foreign trade activities, training and development, recommendations and conclusions. The report was prepared by Abdullah Al Majid for his internship and submitted to his lecturer Masnoon Salehin at Southeast University.
The document is an internship report submitted by Reazul Islam (Mobin) to his lecturer Mr. Abdul Alim Baser at BRAC Business School evaluating the foreign exchange performance and profitability of The Trust Bank Limited (TBL) based on a 3-month internship. The summary analyzes TBL's foreign exchange activities including import, export, and remittance processes and evaluates their contribution to the bank's profitability. It also acknowledges those who helped and guided the author during the internship period.
The document provides background information on Janata Bank Limited (JBL), one of the largest state-owned commercial banks in Bangladesh. It discusses the history of banking in Bangladesh and the nationalization of banks in 1972. JBL was established by taking over branches of two former private banks. Currently, JBL has over 900 branches and over 14,000 employees. The report provides an overview of JBL's management, vision, mission, and financial details such as deposits, capital, assets, and branches. It outlines the bank's products and services, including deposit schemes, utility services, financing, and remittances.
United commercial bank ltd. internship reportArif Hasan
The document is an internship report submitted by Mohammad Ariful Hasan to his lecturer, Ms. Farah Israt Tania, on his internship at United Commercial Bank Limited (UCBL) in Chittagong, Bangladesh. The report provides an overview of UCBL, including its history and branches. It also describes the various departments within UCBL, focusing on the general banking, general advance, and foreign exchange advance departments. Within general banking, it outlines the products and services offered, including various savings, current, fixed deposit, and other deposit accounts.
General banking activities of agrani bank , internship report, aiub by sudipt...Sudipta Saha
The document is a letter of transmittal from Sudipta Saha submitting their final internship report on the general banking activities of Agrani Bank Ltd. to Mr. R Tareque Moudud of American International University-Bangladesh. Sudipta Saha completed a 3-month internship at Agrani Bank Ltd.'s Wasa corporate branch. The letter states that the report aims to comprehensively include all relevant information and analysis, and meet the university's standards. Sudipta Saha requests that the report be accepted and acknowledges their efforts in preparing it.
The document discusses the HR policy of The City Bank Limited in Bangladesh, focusing on talent management and performance management. It provides an overview of the bank's recruitment and selection process, including sources for recruiting candidates, the application and screening process, testing, interviews and hiring. It also describes the bank's performance appraisal system for evaluating employees during probationary periods and as permanent staff. The goal of the HR policy is to attract and retain high-quality talent to help the bank compete effectively through training and skills development programs.
Structure, Internship report on General Banking activities of Janat Bank limitedReaZ SaFayaT
This internship report summarizes the internship experience of Reaz Al Safayat Chowdhury at the Janata Bank Limited's Feni Corporate Branch. The report includes an introduction, background of JBL, overview of general banking operations at JBL like account opening, remittance, cash and clearing sections. It also details the experiences during the internship period in activities like account opening, payment orders, demand drafts etc. The report concludes with problems identified during the internship, recommendations to address the problems, and an overall positive learning experience for the intern.
The principal function of each and every bank is to acquire deposits and provide loan. Every people
have faith on the bank and save their money for securities and getting some interest. Bank performs
truthful position to maintain its functions properly. They collect cash from them as credit score
and provide loan to the needy people in exchange of some interest. The profitability of bank in the
mainly rely on well management of the bank. For ensuring its suitable functions, banks need to
maintain its liquid assets and liabilities.
Throughout this internship report I’m going to speaking about the liquidity management of Janata
Bank Ltd. and its corresponding aspect. My internship report has been divided in some chapter on
the basis of understanding the study. Additionally, I’ve discussed the management method of
Janata Bank Ltd. and structure of the bank that will help to get primary notion about the Janata
Bank Ltd and scope and limitations that I confronted in times of getting ready this report. I tried
my best to encompass some introductory contents about the report I have selected. I firmly think
that this will assist to get a clear view about the exclusive functions of Janata Bank Ltd.
As my topic is about liquidity management of Janata Bank Ltd. so it’s required to give view about
the core issue of the liquidity management of the Janata Bank Ltd. Additionally, I’ve brought the
liquidity management guideline of Bangladesh Bank and tried my best to collect facts about the
liquidity management of Janata Bank Ltd. that the bank has conducted. All these records about the
SLR and CRR condition of Janata Bank Ltd have considered in preparing the report. Liquidity
management refers the management of the liquid assets and maintains reserves to attain goals
following the rules and regulations of the Bangladesh Bank. Loan and advances management of a
bank has significant effect on the liquidity risk of the bank. So Janata Bank Ltd. evaluates the
applicant for a loan carefully to provide loan a right person. In every stages of works of Janata
Bank Ltd. have to follow the guidelines and regulations of central bank of Bangladesh. The
internship program helps me to know the management process of the Janata Bank Ltd.
Finally, I would like say that, Liquidity management is core issue of bank financial management,
so every bank should keep careful attention on the liquidity management of the bank.
Value creation by offering superior services in the foreign exchange departme...Sudipta Saha
The document is a letter submitting an internship report to the American International University-Bangladesh (AIUB) on completing a 3-month internship at Agrani Bank Ltd. It provides details of the internship experience and the report submitted, titled "Value Creation by Offering Superior Services in the Foreign Exchange Department of A Retail Commercial Bank: A Study on Agarani Bank Ltd, Islampur Road Branch, Dhaka." The letter writer hopes the report fulfills the university's requirements and standards.
This document appears to be an internship report submitted to a university professor. It includes standard components like a title page, letter of transmittal, declaration, approval, acknowledgements, executive summary, table of contents, and chapters on the history and overview of Pubali Bank Ltd, general banking activities, loans and advances, the author's learning experience, findings, and recommendations. The report examines the general banking operations of Pubali Bank Ltd's Mohammadpur branch in Dhaka, Bangladesh as part of the author's BBA program requirements.
1. The document discusses the foreign exchange activities of Uttara Bank Ltd in Bangladesh. It provides background on the importance of banking in economic development and the reforms Bangladesh has undertaken in its financial sector.
2. It describes the author's 3-month internship at Uttara Bank Ltd in Ramna Branch studying the bank's foreign exchange operations. The objectives are to understand UBL's international trade processes, identify issues in foreign exchange activities, and recommend solutions.
3. Both primary and secondary data were used, including interviews with bank officers and analysis of UBL's annual reports. The study analyzes UBL's export/import trends, customer satisfaction, and strengths/weaknesses in foreign exchange to provide
This document provides an overview of Mutual Trust Bank Limited (MTBL) and One Bank Limited (OBL), including their financial performance between 2006-2008. It discusses MTBL's organizational structure, departments, products and risk management strategy. It also analyzes the financial statements and key ratios of both banks to compare their growth and development over this period. The document aims to fulfill the requirements for an internship report by also describing the author's work experience in MTBL's corporate division and examining some challenges faced.
Foreing Exchange Activities of Janata Bank.pdfSalimUddin28
This document provides an overview of the internship report submitted by Md. Hafizur Rahman to his professor Masud Ibn Rahman at Daffodil International University. The report focuses on evaluating the foreign exchange activities of Janata Bank Limited based on Rahman's 3-month internship at the New Market branch. The report includes sections on the background of the study, objectives, methodology used including primary and secondary data collection, and limitations of the study. The report aims to analyze Janata Bank's foreign exchange operations including imports, exports, and foreign remittances.
This document provides an internship report submitted by Md. Mahfujar Rahman to fulfill the requirements of the BBA program at Uttara University. The report details Mahfujar's 3-month internship at the Tongi branch of NCC Bank Ltd, where he gained exposure and experience in the bank's general banking, loans, and remittance departments. The report includes an introduction, literature review on banking history and the banking sector in Bangladesh, an overview of NCC Bank including its management structure and products/services, an analysis of the bank's performance, and findings and recommendations from the internship.
This document provides an internship report submitted by Md. Mahfujar Rahman to fulfill the requirements of the BBA program at Uttara University. The report details Mahfujar's 3-month internship at the Tongi branch of NCC Bank Ltd, where he gained exposure and experience in the bank's general banking, loans, and remittance departments. The report includes an introduction, literature review on banking history and the banking sector in Bangladesh, an overview of NCC Bank Ltd describing its founding, management structure, products and services, and analyses of the bank's operations and performance.
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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.
The document outlines the contents of an internship report on National Bank Ltd. The report contains 8 chapters that cover: an introduction to NBL including its history, vision, and organizational structure; an appraisal of NBL's performance; general banking activities; services offered; foreign exchange activities; daily bank operations; other activities; and recommendations and conclusions. The methodology used primary and secondary data collection including observation, interviews, and a review of bank documents and financial statements. The objectives are to provide an overview of NBL and assess its financial performance, identify issues, and recommend improvements.
This document provides an overview of Prime Bank Limited in Bangladesh. It states that Prime Bank Limited is a scheduled commercial bank established in 1995. It has grown to 37 branches across Bangladesh. The bank focuses on understanding customer needs and offers various corporate and personal banking services. It discusses Prime Bank's financial performance in recent years, including operating profits and capital levels. Overall, the document provides high-level information about Prime Bank Limited's history, services, and financial standing.
This internship report analyzes the financial performance of Navana CNG Limited from 2007 to 2011. It includes a declaration by the intern, a certificate from the internship supervisor, an executive summary of the company's operations and financial status, and acknowledgments. The report's objectives are to analyze Navana CNG's financial statements and calculate key financial ratios to understand the company's current financial position and identify findings and recommendations. It uses ratio analysis and trend analysis of primary and secondary data sources such as annual reports and discussions with company officers.
Janata Bank Limited is a state-owned commercial bank in Bangladesh with over 800 branches. This report analyzes Janata Bank's foreign exchange performance, including its processing of remittances from non-resident Bangladeshis, opening of letters of credit, and management of export, import and foreign exchange. It finds that while Janata Bank contributes significantly to Bangladesh's national remittance earnings, its performance has not increased at the same rate as the national trend. The report recommends structural changes to help Janata Bank better cope with national trends and maximize foreign exchange for Bangladesh.
This document provides an internship report on the operations evaluation and credit management of Dutch-Bangla Bank Limited (DBBL). It includes an acknowledgement, executive summary, table of contents, and the beginning of several chapters. The introduction provides background on the origin of the report for an internship at DBBL. It outlines the objectives to evaluate DBBL's business operations and financial performance, understand customer service and credit facilities. Information was collected from primary sources like employee interviews and secondary sources like annual reports and publications. The methodology included selecting a topic, identifying and collecting data, analyzing and presenting findings. The early chapters will provide an overview of DBBL's history, organizational structure, resources, financial highlights and corporate social responsibility activities.
This document outlines an internship report proposal on sustainable financial inclusion and poverty alleviation through smart banking at Bank Asia Ltd. The proposal includes an introduction to the study, literature review, rationale, background of Bank Asia, objectives, methodology, limitations and bibliography. Specifically, it aims to assess financial inclusion modules, identify challenges for Bank Asia, explore poverty elimination, analyze Bank Asia's performance, and make recommendations to improve alternative delivery channels. The research will use both primary data from bank observations and secondary data from annual reports and websites.
This document is an internship report submitted by a student to fulfill their program requirements. It provides an overview of the student's internship at BRAC Bank Limited, where they analyzed the bank's credit risk management practices. The report includes sections on the bank's profile, credit policies, approval and collection processes, performance analysis of loan classifications, and recommendations. The objective is to evaluate BRAC Bank's overall credit risk management system and identify ways to improve its performance.
This document provides an internship report on Bank Alfalah Limited written by Muhammad Rashid Badar. It includes an introduction to banking history and Bank Alfalah. The report outlines the bank's mission, vision, objectives, organizational structure, performance, departments, products and services, and financial analysis. It also includes a SWOT analysis and recommendations. The high-level summary is:
Bank Alfalah is a private bank providing various financial services through 321 branches across Pakistan and internationally. The report details the bank's strategies, departments including account opening, car financing, remittances, credits, and trade finance. It analyzes the bank's financial performance and identifies strengths, weaknesses, opportunities and threats in a
This document provides information about Uttara Bank Limited (UBL), including:
1) A brief history and background of UBL establishing it as one of the largest private banks in Bangladesh.
2) An overview of UBL's objectives, products, services, vision, mission and organizational structure.
3) An explanation that the report will focus on analyzing UBL's general banking system.
Uttara Bank Limited is one of the largest and oldest private commercial banks in Bangladesh. It has over 220 branches in Bangladesh and 600 affiliates worldwide. The document outlines Uttara Bank's objectives, goals, vision and mission which center around serving customers, the economy, and the country. It also describes the key functions of Uttara Bank's general banking department including account opening, deposits, checks, remittances, cash operations, and clearing processes. In conclusion, the document notes Uttara Bank's strong reputation and leadership in the Bangladeshi banking sector due to its large network, experienced staff, and introduction of new products and services.
The document provides acknowledgements and thanks for those who contributed to the completion of an internship report on the general banking activities of National Bank Limited's Mohakhali branch. It thanks the course instructor, almighty, and others for their guidance and support during the internship and report preparation. It expresses that the intern enjoyed preparing the report and presenting it for review.
The document provides background information on National Commerce and Credit Bank Ltd (NCCBL) in Bangladesh. It discusses NCCBL's history, organizational structure, products/services, branches, board of directors, and financial performance. During his internship at NCCBL's Banani branch, the author helped with various general banking activities like opening accounts, processing payments/deposits, providing account balances and closures. He also assisted with other administrative tasks such as file/document arrangement. The objective of the internship was to gain practical banking experience and apply academic knowledge.
This document provides an overview of National Bank Limited (NBL), Bangladesh's first private sector commercial bank. It discusses NBL's history, mission, vision, strategic priorities, core values, and organizational structure. The document also describes NBL's capital structure, training institute, and various departments. Key points include:
- NBL was established in 1983 as Bangladesh's first privately-owned commercial bank. It has since expanded to over 100 branches across Bangladesh.
- NBL's mission is to provide transparent and accountable financial services to customers while contributing to Bangladesh's economy. Its vision is to establish itself as a leading bank through technology and customer service.
- The bank has a three-tier organizational structure headed
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 document provides information about an internship report submitted by Md. Abdul Hadi to analyze the general banking activities of Janata Bank Limited's Mirpur Corporate Branch in Dhaka, Bangladesh. The report includes an introduction, company profile of Janata Bank, and analysis of general banking activities like deposits, loans, remittances, account opening/closing procedures. It aims to identify issues and provide recommendations to improve services based on the internship experience.
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.
The document provides an overview of Al-Arafah Islami Bank Limited (AIBL) in Bangladesh, including its history, objectives, management structure, products and services. Some key points:
1) AIBL was established in 1995 with the goal of conducting interest-free banking according to Islamic principles.
2) The bank's objectives include establishing participatory banking, investing through Shariah-compliant modes, and contributing to balanced economic growth in Bangladesh.
3) AIBL's management structure involves planning, organizing, staffing, directing, and controlling its branches across the country. It provides various banking services including general banking, foreign exchange, loans, and investments.
4) The
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
An analysis of general banking activitieszahurul88
This document is an internship report submitted by Abu Bakar Siddiq to his supervisor Mohammed Masum Iqbal analyzing the general banking activities of Al-Arafah Islami Bank Limited's Panthapath branch in Dhaka, Bangladesh. The report includes an introduction, background of the study, objectives, methodology, and limitations. It also provides an overview of Al-Arafah Islami Bank including its vision, mission, branches, board of directors, and capital. The main body of the report analyzes the bank's general banking functions, products, accounts, clearing process, remittance services, and deposit accounts.
A review of the growth of the Israel Genealogy Research Association Database Collection for the last 12 months. Our collection is now passed the 3 million mark and still growing. See which archives have contributed the most. See the different types of records we have, and which years have had records added. You can also see what we have for the future.
Exploiting Artificial Intelligence for Empowering Researchers and Faculty, In...Dr. Vinod Kumar Kanvaria
Exploiting Artificial Intelligence for Empowering Researchers and Faculty,
International FDP on Fundamentals of Research in Social Sciences
at Integral University, Lucknow, 06.06.2024
By Dr. Vinod Kumar Kanvaria
हिंदी वर्णमाला पीपीटी, hindi alphabet PPT presentation, hindi varnamala PPT, Hindi Varnamala pdf, हिंदी स्वर, हिंदी व्यंजन, sikhiye hindi varnmala, dr. mulla adam ali, hindi language and literature, hindi alphabet with drawing, hindi alphabet pdf, hindi varnamala for childrens, hindi language, hindi varnamala practice for kids, https://www.drmullaadamali.com
বাংলাদেশের অর্থনৈতিক সমীক্ষা ২০২৪ [Bangladesh Economic Review 2024 Bangla.pdf] কম্পিউটার , ট্যাব ও স্মার্ট ফোন ভার্সন সহ সম্পূর্ণ বাংলা ই-বুক বা pdf বই " সুচিপত্র ...বুকমার্ক মেনু 🔖 ও হাইপার লিংক মেনু 📝👆 যুক্ত ..
আমাদের সবার জন্য খুব খুব গুরুত্বপূর্ণ একটি বই ..বিসিএস, ব্যাংক, ইউনিভার্সিটি ভর্তি ও যে কোন প্রতিযোগিতা মূলক পরীক্ষার জন্য এর খুব ইম্পরট্যান্ট একটি বিষয় ...তাছাড়া বাংলাদেশের সাম্প্রতিক যে কোন ডাটা বা তথ্য এই বইতে পাবেন ...
তাই একজন নাগরিক হিসাবে এই তথ্য গুলো আপনার জানা প্রয়োজন ...।
বিসিএস ও ব্যাংক এর লিখিত পরীক্ষা ...+এছাড়া মাধ্যমিক ও উচ্চমাধ্যমিকের স্টুডেন্টদের জন্য অনেক কাজে আসবে ...
LAND USE LAND COVER AND NDVI OF MIRZAPUR DISTRICT, UPRAHUL
This Dissertation explores the particular circumstances of Mirzapur, a region located in the
core of India. Mirzapur, with its varied terrains and abundant biodiversity, offers an optimal
environment for investigating the changes in vegetation cover dynamics. Our study utilizes
advanced technologies such as GIS (Geographic Information Systems) and Remote sensing to
analyze the transformations that have taken place over the course of a decade.
The complex relationship between human activities and the environment has been the focus
of extensive research and worry. As the global community grapples with swift urbanization,
population expansion, and economic progress, the effects on natural ecosystems are becoming
more evident. A crucial element of this impact is the alteration of vegetation cover, which plays a
significant role in maintaining the ecological equilibrium of our planet.Land serves as the foundation for all human activities and provides the necessary materials for
these activities. As the most crucial natural resource, its utilization by humans results in different
'Land uses,' which are determined by both human activities and the physical characteristics of the
land.
The utilization of land is impacted by human needs and environmental factors. In countries
like India, rapid population growth and the emphasis on extensive resource exploitation can lead
to significant land degradation, adversely affecting the region's land cover.
Therefore, human intervention has significantly influenced land use patterns over many
centuries, evolving its structure over time and space. In the present era, these changes have
accelerated due to factors such as agriculture and urbanization. Information regarding land use and
cover is essential for various planning and management tasks related to the Earth's surface,
providing crucial environmental data for scientific, resource management, policy purposes, and
diverse human activities.
Accurate understanding of land use and cover is imperative for the development planning
of any area. Consequently, a wide range of professionals, including earth system scientists, land
and water managers, and urban planners, are interested in obtaining data on land use and cover
changes, conversion trends, and other related patterns. The spatial dimensions of land use and
cover support policymakers and scientists in making well-informed decisions, as alterations in
these patterns indicate shifts in economic and social conditions. Monitoring such changes with the
help of Advanced technologies like Remote Sensing and Geographic Information Systems is
crucial for coordinated efforts across different administrative levels. Advanced technologies like
Remote Sensing and Geographic Information Systems
9
Changes in vegetation cover refer to variations in the distribution, composition, and overall
structure of plant communities across different temporal and spatial scales. These changes can
occur natural.
This presentation includes basic of PCOS their pathology and treatment and also Ayurveda correlation of PCOS and Ayurvedic line of treatment mentioned in classics.
How to Fix the Import Error in the Odoo 17Celine George
An import error occurs when a program fails to import a module or library, disrupting its execution. In languages like Python, this issue arises when the specified module cannot be found or accessed, hindering the program's functionality. Resolving import errors is crucial for maintaining smooth software operation and uninterrupted development processes.
2. Submitted To
Ms. Tasneema Afrin
Lectuere, BRAC Business School
BRAC University
Submitted By
Mr. Md. Tawfique Hossain
Bu id#07304024
Depertment BBS
3. January 19, 2012
Ms. Tasneema Afrin
Lecturer, BRAC Business School
BRAC University
Subject: Submission of Internship report.
Dear Madam,
With the great pleasure I submit the internship report as a partial fulfillment of BBA
Program. I tried to give a best effort to prepare this report on “Foreign Trade activities
in Bank Asia Ltd.” according to your guideline. I also tried to focus my best work
sincerely to cover all aspects regarding the matter. Practical exposure is very essential for
orientation with the real world- working area. I have learned a sound knowledge and
understand on the basic operation of the bank. I have thoroughly enjoyed in preparing
this internship report which has contributed significantly to my understanding on the
essentials and importance practical knowledge. I express my special gratitude to you for
dedicating your valuable time and helping me whenever needed.
At the time of preparing report, some flaws may emerge; hope that you will consider
these flaws favorably.
Sincerely Yours,
_________________
Mr. Md. Tawfique Hossain
BU Id # 07304024.
4. Acknowledgement
First of all I would like to my cordial thanks for almighty Allah whose uniqueness,
oneness, and wholeness are unchallengeable guided us in difficult circumstances. All
respects are for his holy prophet Hazrat Muhammad (SM) Peace be upon him, who
enable us to recognize the oneness my creator.
I am greatly indebted to my respected teacher Ms. Tasneema Afreen who always
supported me a lot.
It was a great experience for me in this first meeting of three months with my Practical
life; I have the honor of working with some highly talented, initiative, impressive and
inspiring banking executives. They guide me in learning the works performed by them in
their routine tasks. They always try to find out my own interest in everything that concern
banking. For that purpose they always kept me a huge work under pressure. Entire the
internship period I got learns so many things which will be better for my future life.
Although all the people working in the bank were very supportive, co-operative and
friendly, but still I would like to mentioned some names whom I found topping the list to
give thanks and expose my gratefulness to Mr. Zahid Hossain VP and manager and Mr.
Md. Mazibur Rahman AVP & Sub manager. And Mr. Nur-E-Alam Senior Officer who
always supports me during my internship period to provides me a various types of
information about the report preparing.
Finally I express appreciation many others for providing me necessary information
regarding bank.
5. Executive Summary
The report stands for foreign trade activities in Bank Asia ltd. Foreign trade operation is
one of the significant functions of the bank. It plays a vital role in overall economy of the
country. Foreign trade contains Import and Export section and foreign remittance
department contains inward and outwards remittance. From the beginning to last second
of report the entire procedure has been published with the full of required data. All the
clauses and steps are clearly mentioned in this report. The details about Letter of credit
i.e. classification of L/C, L/C opening procedure, types of L/C, L/C payments moods,
required documents, documents checking, transmitting L/C, about pre-shipment
inspection when it is needed. Amendment, why it is required and when? Lodgment
system. When document is going out retire what the last step of retirement. The entire
system about import financing, how could the bank assist to importer through financing.
And also disclose the matter about export procedure. The procedure began to get the ERC
(Export registration certificate) by chief controller of import & export office. After that,
receiving the letter of credit and advising L/C, necessary document collection and
negotiation. How the bank assist to exporter through financing. Last but not the list the
foreign trade remittance process. And performance and trend analysis. Here expose
export & import growth. The export growth is positive impact for economy.
6. Table of contain
Chapter No.& Title Serial
No.
Topic Name Page
Number
Chapter 1
The Report part
1.1 Origin of the report 1
1.2 Objective of the report 2
1.3 Methodology 2
1.4 Scope of the study 3
1.5 Limitation of the report 3
Chapter No.& Title Serial
No.
Topic Name Page
Number
Chapter 2
Organization
synopsis
2.1 History of Bank Asia 4
2.2 Bank Asia Mission statement 4
2.3 Vision Statement of Bank Asia 5
2.4 Objective of Bank Asia Ltd. 5
2.5 Slogan of Bank Asia 5
2.6 Bank Asia Product 6
2.7 Corporate Information 7,8
2.8 Hierarchy of Bank Asia 9
2.9 List of employees at corporate branch 10
2.10 Structure of Bank Asia Corporate Branch 11
7. Chapter No.& Title Serial
No.
Topic Name Page
Number
Chapter 3
Foreign
Exchange
operation
3.1 Introduction 12
3.2 Foreign exchange 12
3.3 Foreign trade department 12
3.4 General concept 13
3.5 Import Mechanism 14
3.6 Letter of credit definition 14
3.7 L/C issuing 14,15
3.8 L/C classification 15,16
3.9 Document checking 17
3.10 Pre-shipment inspection 18
3.11 Transmitting letter of credit 18
3.12 Amendment 19
3.13 Lodgment 19,20
3.14 Retirement of document 21,22
3.15 Import financing 21
3.16 Export mechanism 22
3.17 Registration of the Exporter 22
3.18 Export registration certificate 22
3.19 Export permit form 23
3.20 Securing the order 23,24
3.21 Receiving letter of credit 24
3.22 Advising letter of credit 24
3.23 Add confirmation of Export L/C 24,25
3.24 Shipments of goods 25
3.25 Document collection 25
3.26 Document negotiation 26
3.27 Realization of export proceed 26
3.28 Export Financing 26,27
3.29 Remittance 27
3.30 Inward remittance 27
3.31 Outward remittance 28
3.32 Foreign accounts of bank 28
8. Chapter No.& Title Serial
No.
Topic Name Page
Number
Chapter 4
Performance &
Trend Analysis
4.1 Import analysis 29
4.2 Reason behind import 30,31
4.3 Export analysis 31,32
4.4 Export raising element 33,34
Chapter No.& Title Serial
No.
Topic Name Page
Number
Chapter 5
5.1 Recommendation 35
5.2 Conclusion 35
5.3 Appendix-1 (for import) 36,37
5.4 Appendix-2 (for export) 38,39
5.5 Appendix-3 (export prohibited item) 39
5.6 Appendix-4 ( Job responsibility) 40,41
9. 1
Chapter 1
Origin of the report:
The internship program is most crucial part of the BBA students. The entire program duration is
12 weeks ( 3 months) which carrying out a best learning way and to know about the
organizational proceedings as well as cope up with those environment as manner of professional
employees. These learning could be made the student professional, sincere, well communicator,
punctual and also be a smart in various aspect. In order to internship purpose I was appointed to
Bank Asia ltd. corporate branch in Sonargaon road. The Organization attachment Started on 24th
September 2011 and ended on 25th
December 2011. The internship report is based on “Foreign
Trade activities in Bank Asia Ltd.”. Corporate branch.
Ms. Tasneema Afrin lecturer department of Brac Business School at BRAC University assign
this project to me.
10. 2
Objective of the report:
Broad Objectives:
To examine and analysis overall foreign exchange activities
Specific Objectives:
To learn about foreign trade activities i.e. Export & Import
To know about how to issuing L/C, Advising L/C etc.
To be acquainted with the Export & Import required documents
The consequence process of Transmitting L/C, L/C amendment, & Lodgment
system.
To get a practical knowledge about Export procedure and the system of foreign
remittance.
Methodology:
This report has been prepared on the basis of experience gathered during the period of internship
and my own learn and understanding. The entire process has been made by collecting primary
data which played a vital role and easy to write down the report and secondary data was needed
for supportive structured buildup to the report.
Primary Data:
Direct conversation with the bank officers.
Daily activity conducted by me at the bank.
Secondary data:
Annual report of Bank Asia
Web browsing
Journals and Books
11. 3
Scope of learning:
With the whole internship period it was a splendid experience to know and got chance to work in
the foreign exchange department. It’s a great achievement for me to learn and implement by
practically the entire procedure of export and import trade. To be trained about the L/C opening,
required document checking, payment moods register entry and also got to know regarding
Bangladesh Bank reporting. One of the most crucial parts is foreign remittance it also a part of
better understand to inward and outward remittance. All of these opportunities I had captured in
that practical field and also to expand knowledge.
Limitations of the report:
The organization maintains confidentiality about certain information so they are
reluctant to disclose to all. Hence, the report does not have many important
information and data.
Sometimes the concerned personnel may not provide enough time due to rush
banking hours.
As a matter of fact three months is too short after that I had tried to give best
effort to my learning purpose.
12. 4
Chapter 2
History of Bank Asia:
Bank Asia Ltd. Is third generation bank and scheduled commercial Bank in the private sector
which established on 27th
November in 1999 under the banking company act 1991 and
incorporate in Bangladesh as a public limited company under the company act 1994 to carry out
banking business in Bangladesh. Bank Asia has been launched by a group of successful
entrepreneurs. The management of Bank consists of a team lead by senior bankers with vast
experience in national and international market. Within a short period of time Bank Asia is able
to disclose its self existence and established its own position in the market as one of the first
growing local private bank at present it has 50 branches all over the Bangladesh. Since its
inception in 1999, it set a milestone by acquiring the Bangladesh operations of the Bank of Nova
Scotia of Canada, first in the banking history of Bangladesh. Again in 2002 the bank acquired the
Bangladesh operations of Muslim Commercial Bank Ltd. (MCB). In the year 2003, the bank
went public by offering shares to the general investor and in 2004 the listed itself with the stock
exchange
Mission Statement of the Bank Asia:
To assist in bringing high quality service to the customers and to participate in
the growth and expansion of the national economy.
To set high standers integrity and bring total satisfaction to the clients,
shareholders and employees.
To become the most sought after bank in the country, rendering technology
driven innovative service by the dedicated team of professionals
13. 5
Vision of the Bank Asia:
To have a poverty free Bangladesh in course of a generation in the new
millennium, reflecting the national dream.
To build a society where human dignity and human right receive the highest
consideration along with reduction of poverty.
Objective of the Bank Asia Limited:
Giving full attention to the customer
Identifying customer actual needs
Improving customer service quality
Creating happy relationship with the customer
Giving importance even to smallest query
Attracting new worth through higher sales and profit
Creating image through serve the best service & product
Achieving corporate objective through joint effort.
Slogan of Bank Asia Ltd:
For a better tomorrow “ does not have to confined with the limited service rather enhanced
existing service and brought up new services in order to their existing and potential clients for
made the life more easier’’
14. 6
Product of Bank Asia:
DPS+ (deposit pension Scheme plus) is a 3, 5, 7, 10 and 12 years term. Monthly
installment raising from BDT 1000/- to BDT 10000/-
MB+ (monthly benefit plus) is 3 and 5 years scheme that lets you earn monthly benefit
of BDT 1000/-(before tax) for deposit of BDT 1, 00,000/- or it’s multiple.
DB+ (double benefit plus) is a six year scheme. The deposit will be double in 6 year.
Minimum initial deposit for the scheme is BDT 1, 00,000/- or it’s multiple, maximum is
BDT 25, 00,000/- under single name. & BDT 40, 00,000/- under joint name.
TB+ (triple benefit plus) is a 9 years 6 month scheme. The deposit will be tripled in 9
years 6 months. Minimum deposit for the scheme initially BDT 10, 00,000/- or it’s
multiple, maximum is 25, 00,000/- under single name. & BDT 40, 00,000/- under joint
name.
FDR (fixed deposit rate) 1 months and 2 months tenure below 2 crore 10% per annum. 2
crore & above 12% per annum. 3 months, 6 months, and 1 year any amount will get12%.
And 1 year above will get 11% for any amount.
15. 7
Corporate Information:
Letter of Intent received: 24/02/1999
First meeting of the Promoters held: 15/04/1999
Certificate of Incorporation received: 28/09/1999
Certificate of Commencement of Business: 28/09/1999
First meeting of the Board of Directors held: 01/10/1999
Banking license received: 06/10/1999
First Branch license received: 31/10/1999
Inauguration of Bank: 27/11/1999
Date of Publication of Prospectus: 29/06/2003
Date of IPO Subscription: 23/09/2003, 24/09/2003
Date of First Share Trading in Bourse: 08/01/2004
Date of Agreement with CDBL: 20/12/2005
Date of First Scrip less Trading: 30/01/2006
Number of Promoters: 22
Number of Directors: 12
Number of Branches: 50
Number of SME centers 9
Number of Islamic Wing 4
Number of Brokerage Branches 2
Auditors: Rahman Rahman Huq
Chartered Accountants
9 Mohakhali C/A
(11th & 12th Floors)
Dhaka 1212, Bangladesh.
Legal Advisor: Hasan & Associates
Barristers & Advocates
Dhaka Chamber of Cmmerce
Building (6th
floor)
17. 9
Hierarchy of Bank Asia:
President and Managing Director
Deputy Managing Director (DMD)
Senior Executive Vice President (SEVP)
Executive Vice President (EVP)
Senior Vice President (SVP)
Vice President (VP)
First Vise President (FVP)
Assistant Vice President (AVP)
First Assistant Vice President (FAVP)
Senior Executive Officer (SEO)
Executive Officer (EO)
Senior Officer (SO)
Management Trainee Officer (MTO)
Officer
Junior Officer (JO)
Assistant Officer (AO)
Banking Officer (BO)
Trainee Officer (TO)
18. 10
List of the employees Bank Asia Corporate Branch
SL.
No.
Name Designation Department
1 Mr. MD. Zahid Hossain Manager & VP Branch
2 Mr. MD. Mazibur Rahman Sub-Manager & AVP Branch
3 Ms. Shaheen Ara FAVP GB & Accounts
4 Ms.Marshia Binte Saad FAVP Credit
5 Ms.Krishna Shaha SEO Foreign Trade
6 Ms. Sahanaz Begum SEO Foreign Trade
7 Mr. Partha Kumar Shah SEO Credit
8 Mr. Masudul Bari EO Credit
9 Mr. Nur-E-Alam SO Foreign Trade
10 Ms. Marina Nargis SO Foreign Trade
11 Mr.Mohammad Shohel Rana Officer Foreign Trade
12 Ms.Silvia Akter Rini Officer General Banking
13 Mr. Abu Sharif Nazmul Ahmad Officer Credit
14 Mr. Md. Manzurul Officer Customer Service
15 Ms. Jhuma Purification Officer Clearing
16 Ms. Farhana Islam JO Remittance
17 Ms. Sadia Sarmin JO Customer Service
18 Mr. Maniruzzaman BO Cash
19 Ms. Raz Sultana Chaity BO Accounts
20 Ms. Fariha Hasan BO Cash
21 Ms. Sadia Tasnim Receptions Dispatch
22 Mr. Sheik Atikur Rahman ARO Marketing
23 Mr. Md. Shadat Ullaha ARO Marketing
20. 12
Chapter 3
Introduction:
The Bank Asia is one of the recognized private commercial bank in Bangladesh, within a short
period of time it has been created a renowned image in the banking sector in spite of existing
numerous rivals. From the beginning to till now Bank Asia is strongly committed to provide a
better quality service to the customer and at a time the authority is providing an excellent facility
to the employees. The Bank contains three departments at a time.
General banking
Credit & Marketing department
Foreign exchange
Foreign Exchange: Foreign exchange means the exchange of currency in terms of goods from
one country to another country. This is the most well-known and well-organized uniform in
world business. Foreign exchange division includes the following departments:
1. Foreign trade department and
2. Foreign Remittance department
Foreign trade department: Foreign Trade means exchange of foreign currency for the trade
Bank Department
General Banking Credit & Marketing Foreign Exchange
21. 13
purpose between two countries. In other words, Foreign exchange deals foreign financial
transactions related to trade or business. Foreign Trade Department has two sections. They
are-
I. Import Section and
II. Export Section.
Before discussing the Import and Export section, some concepts related to foreign trade should
be clarified.
Concepts:
Important concepts of foreign trade as per UCPDC 600 are discussed bellow:
Applicant/Opener/Importer/Buyer: All of these names are using for the same purpose.
Applicant means the party on whose request the credit is issued.
Opening Bank/Issuing Bank: A bank is issue credit on behalf of applicant to the opposite party.
Exporter/Seller/Beneficiary: Beneficiary means the party in whose favor a credit is issued.
Advising bank: Advising bank means the bank that advises the credit at the request of the
issuing bank.
Conforming bank: Conforming bank means the bank that adds its conformation to a credit upon
the issuing bank’s authorizations.
Negotiating bank: The bank that negotiates the bill of exporter drawn under the credit is known
as negotiating bank. If the advising bank is authorized to negotiate the bill drawn by the exporter
he becomes the negotiating bank.
Reimbursing bank: Sometimes a foreign bank does not relay on the issuing bank because lack
22. 14
of reorganizations that is why the foreign bank wants to support the other renowned bank’s.
When the other renowned bank to make sure the foreign bank to get back their payment through
the issuing bank, then it is called the reimbursing bank, for this guarantee the reimbursing bank
will get charges.
Import
Import mechanism: When a country order to purchase the goods from the other country in
order to the scarcity then it is called import. According to import and export control act, 1950 the
office of chief controller of import and export provides the import registration certificate (IRC)
to the importer. After obtaining this, person has to secure a letter of credit authorization (LCA).
And then a person becomes a qualified importer. He is the person who requests or instructs the
opening bank to open an L/C. He is also called applicant of the credit.
The things are done in Import Mechanism
Letter of Credit: The most important of the payments methods used universally is a Letter of
credit, which serves as a bridge between buyers and sellers around the world in the exchange of
goods and commodities. Letter of credit is an instrument issued by the bank on behalf of the
importer in favor of the foreign supplier or his banker. L/C is the only reliable sources for
exporter to get back the money. The L/C is established by the overseas buyer through a bank in
his country in favor of the seller and is usually advised to the exporter by an authorized dealer in
Bangladesh. In banking parlance, the importer is known as the applicant or opener. The bank
opening the credit is the L/C opening bank. The bank advising the credit is known advising bank
and the exporter is the beneficiary.
L/C issuing: This is the first terms to import issuing the L/C. Letter of credit is the reliable
sources of both the parties importer and exporter in order to get payment properly in the right
time.
The transaction originates when the exporter in London and the importer in Dhaka enter into a
contract of sale. The contract covers all important particulars like value and quantity of goods,
the due date for shipment, method of payment etc. on the stipulations is that a letter of credit
23. 15
should be opened in favor of the exporter.
For opening L/C is contain a required documents which is given below:
1. L/C application form which contains the details about applicant and beneficiary.
Total L/C amount, country of origin means the products manufacturing areas, types of
payment moods. i.e. ( At sight, DAF, CFR, FOB, Negotiation, and Acceptance etc.). Port
of shipment, and date of shipment. Insurance cover note policy also been mentioned. Draft
amount, rate of dollar, equivalent TK. of BD, margin, charges, commission and other
charges.
2. IMP form is containing H.S code (Harmonize system code), it implies to categories of
product. Quantity of goods, Invoice value, Registration no. of L/C authorization form
with Bangladesh Bank Registration unit. And the carrier name like air or boat and other
terms and conditions.
3. LCA form (Letter of credit authorization) which includes different rules and regulation
about the imported items and imports.
4. Agreement form that includes details contract between the parties.
5. Charge Document
After complete all above mentioned appropriately then have to fulfill other papers and
documents with verify of the self signature and after that submit it to bank.
Others paper and documents:
1. Trade License
2. Import Registration Certificate
3. Income Tax Declaration of TIN no.
4. Membership Certificate
5. Memorandum of Association ( Only for Limited companies)
6. Registered Deed ( Only for Partnership firms)
7. Photograph
8. Insurance cover note copy and money receipt
24. 16
9. Pro-forma Invoice copy.
Classification of L/C
Generally L/C has two types these are
Clean letter of credit
Documentary letter of credit
Documentary letter of credit also contain two types
Revocable credit
Irrevocable credit
Revocable credit: A revocable letter of credit may be cancelled or modified after its date of
issue, by the issuing bank.
Irrevocable credit: An irrevocable letter of credit includes a guarantee by the issuing bank that
if all of the terms and conditions set forth in the letter are satisfied by the beneficiary, the letter of
credit will be honored.
There are four types of L/C offered by the Bank Asia Corporate branch these are:
Sight L/C: Payment must be made within five working days after the document has been
received from the exporter.
Deferred L/C: Payment must be made on or after the due date i.e. Shipment date or Bill of
lading date. It is usually open for 60 days, 90 days and 120 days this is totally depends on the
party demand.
Back to Back L/C: Usually this type of L/C is opened by the exporter. If exporter needs to
25. 17
import goods or equipments to manufacture the ordered goods, then he may import those goods
or equipments by opening a L/C against mother L/C. the value of the back to back L/C can be
80% of the mother L/C.
Local L/C: Local L/C is issue for two general local parties. Because sometimes both the parties
could not trust each other to get back the payment for that reason they have seeking out these
reliable sources for make sure their payment.
Document checking: Usually, Bank Asia ltd. corporate branch issues import L/C for both the
regular and the new importers. For new importers they send a request for approval to open L/C.
after the approval bank will open L/C with 100% margin but for their regular importers they
open L/C with 10% margin. The rate of margin is decided by the head office.
Followings are the important documents to be obtained by the issuing bank before opening an
import L/C:
1. Head office approval. (For new importer)
2. Pro-forma invoice
3. L/C application form duly filled in and applicant’s signature verified thereof.
4. Guarantor’s signature in the L/C application from, if required.
5. Insurance cover note with money receipt along with the proof of payment of
insurance premium.
6. Insurance checked for value (Insured amount must be indent/ PI value plus 10%)
validity, goods, mode of transportation, shipment from and to etc.
7. IMP form duly signed
8. LCA (Letter of Credit Authorization form) properly fill up and duly signed.
9. Valid IRC held.
10. Membership Certificate from chamber of commerce / Business association.
26. 18
11. VAT registration certificate
12. Up to date income tax certificate.
13. Check the goods that are not banned or restricted item as per import policy
14. Check the country of origin for the particular goods.
15. Margin including all L/C related charges realized.
16. Update suppliers or Beneficiary’s credit report.
Pre-shipment inspection: To check all the imported items have comprised in each boxes
according to L/C. There is an appointed inspection agencies whose responsibility is observe and
examining the entire product quality, accurate quantity, packing, net weight of the product and
scanning the durability before shifted on the board. Usually this agent works on behalf of
importer by a certain amount of charges.
Transmitting L/C: After examining the L/C application and L/C authorization is transmitted to
the advising bank. Letter of credit can be transmitted to the advising bank by three moods. These
are Telex, Courier, and SWIFT (Society for world wide inter telecommunication network)
The Bank Asia Ltd. uses the SWIFT when L/C is disposed in the following manner:
1. First two copies sent to the advising bank original for beneficiary and second copy
for advising bank.
2. One copy to Head office.
3. One copy is sent to the importer
4. One copy is sent to the Bangladesh Bank
5. One copy is sent to the C.C.I.&E ( Chief controller of Imports and Exports)
6. One copy is retained as office copy.
Exporter receives the L/C through the advising bank. Receiving L/C, exporter produce the
goods as per the requirements and ships it before due date. If any amendment is required,
exporter contacts with the importer. If the importer agrees to do so, the issuing bank then
amendment the L/C.
Amendment: After a credit has been issued, it may be felt necessary to alter some of the
27. 19
stipulations of the credit or delete some or add some more. All these modifications are
communicated through the same bank that advised the credit. There can be more than one
amendment to the credit. The credit issuing bank intends that all the amendments from an
integral part of the original credit issued.
Amendment can be done for various reasons under the guideline of foreign exchange the
reason is given below:
1. Extension of date of shipment.
2. Extension of draft amount within L/C limit.
3. Change of specification of commodities, price or quantity to be imported.
After shipments of the goods, the exporters prepare the required documents and submit it
to advising bank for payment. Later than shipment, exporters submit the following
documents for negotiations.
1. Bill of exchange
2. Bill of Lading
3. Insurance policy
4. Inspection certificate
5. Commercial invoice
6. Packing list
Lodgment: Lodgment means payment of import bills or transfer of funds for import bills.
Here L/C issuing bank will arrange to make payment against L/C through reimbursement
bank or any other way. Through SWIFT a telex message is transmitted to the correspondent
bank ensuring that payment has made. After scrutinizing the import-negotiating document, if
no discrepancy is found then it treated to be accepted after the end of five banking days for the
day of receipt of the document. But if any discrepancy is found then the banker informs it to the
importer that whether is accept the bill with discrepancies or not. If the importer does not
accept, the banker informs it to the negotiating bank within seven banking days from the date of
receipt of the documents, otherwise it is treated to be accepted and the opening bank must bound
to pay.
Steps involved in lodgment:
28. 20
1. At first all the particulars of the document are entered in BLC (Bill under letter of
credit) register BLC no. seal is given on all the copies of the document.
2. Convert the foreign currency into Bangladeshi currency.
3. Prepare the lodgment voucher.
4. Send IBCA to the head office.
5. Entry is made to L/C monitoring cell of Bangladesh Bank through its website.
Modes of payments of export Bills under L/C:
Sight payment: When the importer will get back the imported commodities perfectly then the
payment is being cleared instantly.
Deferred Payment: Which payment will be clear after a certain period of time that is fixed by
the negotiation between the importer and exporter the payment tenure can be 60 days, 90 days,
and 120 days. Which tenure will be select that is depends on negotiations.
Acceptance Payment: In acceptance credit, the exporter presents a bill of exchange payable to
him and drawn at the agreed tenor (that is, on a specified future date or event) on the bank
that is to accept it. The bank signs its acceptance on the bill and returns it to the exporter. The
exporter can then represent it for payment on maturity. Alternatively he can discount it in order
to obtain immediate payment.
Retirement of documents: After lodgment the issuing bank will send the importer an
intimation regarding the document arrival notice. On intimation the importer calls on the
bank’s counter requesting retirement of the shipping documents against payment to the debit of
their account by the bill amount and other charges payable.
Steps involved in retirement are:
1. Calculation of interest if any.
2. Entry in the register.
3. Endorsement is made on the back of the bill of exchange as received payment.
29. 21
4. Acknowledgement received on the office copy of the cost memo from the importer in
his authorization agent.
5. Filling of the office copy.
Import financing:
LIM (Loan against imported merchandise): When importers get informed that the imported
commodities have been arrived, but in that moment importer has not adequate money to release
the goods. Then bank will pay the amount and maintain the goods with the own responsibilities.
After that the importer will get release the products from the bank by a several payment.
LTR (Loan against trust receipt): Sporadically bank grants the importer to pay back the money
after seal the products. The goods are handed over to the importer under trust with the
arrangement that sale proceeds should be deposited to liquidate the advances within a given
period. The borrower agree to take delivery of the merchandise as the banks agents and the
bank remains owner of the goods and they will holding the goods on behalf of the bank as
trustees until complete repayment of the debts to the bank. Usually the loan is granted on the
basis of trust and is allowed 60-90 days time to make payment.
BLC (Bills under letter of credit): When the importer failed to pay the amount payable the
exporter against import L/C, then Bank Asia gives Bills under Letter of Credit (BLC) to the
importer. The importer will bear all the expenses i.e. go down charges, insurance fees, etc.
and the ownership of the goods is retaining to the bank and the outstanding Bills of
Exchange is transferred to Bills under Letter of Credit (BLC) account. Usually the loan is
granted and allowed 21 days time to make payment.
Export
30. 22
Export Mechanism:
When a country sells the product to the other country after fulfill the self demand then it is called
export. Export trade can be enormous contribution on the national economy.
The export trade of the country is regulated by the Import and Export control Act, 1950. There
are a number of formalities, which an exporter has to fulfill before and after shipment of
goods. These procedures are enumerated as follows:
Registration of the Exporter
The primary requirement to engage in the business of import and export s registration with the
Chief Controller of Imports and Exports (CCI&E). For this purpose an application in
the prescribed, form is require to be submitted to that office along with the following documents:
1. Trade license issued by the municipals authority.
2. Nationality certificate from the local authority.
3. Bank certificate.
4. Income Tax clearing certificate.
5. Payment of registration and renewal fees in a Treasury Chalan.
6. Copies of Contract or L/C (if any).
Export Registration certificate (ERC)
The exports from Bangladesh are subject to export trade control exercised by the Ministry
of Commerce through Chief Controller of Imports and Exports (CCI&E). This certificate is
very important issue for an exporter to accomplish the export trade to the foreign buyer. No
exporter is allowed to export any commodity permissible for export from Bangladesh unless he
is registered with CCI & E and holds valid Export Registration Certificate (ERC). The ERC is to
be renewed every year.
Export Permit Form (EXP)
31. 23
After having the registration, the exporter applies to TBL with the trade license ERC, and the
certificate from the concerned Government organization to get EXP. the bank is satisfied, an
EXP
is issued to the exporter. An EXP contains the following particulars:
1. Name & address of the authorized dealer.
2. Particulars of the commodity to be exported with code.
3. Country of destination.
4. Port of destination
5. L/C value in foreign currency.
6. Terms of sales.
7. Name and address of the importer.
8. Name of caring vessel.
9. Bill of lading.
10. No. & date.
11. Port of shipment.
12. Land custom post.
13. Shipment date.
14. Name and address of the exporter.
15. Sector (Public or Private) under which the exporter falls.
Securing the order
Upon registration, the exporter may proceed to secure the export order. Contracting the buyers
directly through correspondence can do this.
Signing of the contract:
Description of the goods.
Quantity of the commodity.
Price of the commodity.
32. 24
Shipment
Insurances
Inspection
Receiving Letter of credit
Obtaining the sales contract, the exporter should ask the buyer for letter of credit clearly staying
terms and conditions of export and payment. The followings are the main points to be looked
into for receiving the exports proceeds by means of documentary credit.
The terms of the L/C are in conformity with those of the contract.
The L/C is an irrevocable one, preferably confirmed by the advising bank.
L/C allow the sufficient time for shipment and a responsible time for registration. If the
exporter wants the L/C to transferable, divisible and advisable, he should ensure
stipulations are specially mentioned in L/C.
Advising L/C
When export L/C is transmitted to the bank for advising, the bank sends an advising letter to
the beneficiary show that, L/C has been issued.
Add confirmation of export L/C
Bank may add additional confirmation to export L/C where there are specific instructions from
the L/C issuing bank to do so. Additional confirmation of L/C gives the seller a double
assurance of payment. Bank’s requiring of adding confirmation:
Issuing Bank should be a reputed bank.
Credit line /Arrangement with the L/C issuing bank.
L/C clause is to be acceptable to confirming bank
Approval from the competent authority for adding confirmation of exports L/C.
Confirmation charges are to be recovered as per rules.
33. 25
Shipment of Goods
The exporter make and shipment of goods as per the agreement.
Documents collection
Exporter prepares the required documents mentioned in L/C are as such:
1. Bill of exchange: The way of collecting export payment to the importer.
2. Bill of Lading: A bill of lading is a document issued by the shipping company or its
agent, acknowledging the receipts of goods.
3. Insurance policy: In case of any accident to the product since the conveying period,
according to insurance policy the insurance company will bound to compensate the
damages product.
4. Certificate of origin: A certificate of origin declares the place of actual manufacturer or
growth of the goods.
5. Inspection certificate: These certificates ensure the product accuracy according to L/C.
6. Commercial invoice: A list, in which contain the total description about the product.
7. Packing list: The list would contain the details of goods contained in individual
packages.
This helps in identifying the contents of specified packages and thus may facilitate
assessment by the custom.
8. Full set of shipping document: The documents to be collected from or endorsed by the
customs house.
Documents Negotiation:
34. 26
These documents should be submitted to the bank for
negotiation:
1. Export L/C
2. EXP form
3. Commercial invoice
4. Bill of Exchange
5. Certificate of origin.
6. Bill of Lading
7. Packing list
8. Inspection certificate
9. Insurance document
10. Any other document as per L/C
The respective officer must scrutinize all above documents and make sure about the terms and
conditions are right or wrong.
Realization of Export Proceeds
The period prescribes by the Bangladesh Bank within which exporter must receive full
foreign exchange proceeds of exporter in four months if the receipt of the full proceeds of any
shipment is delayed beyond the period without a special authority from the Bangladesh Bank.
The exporter will be liable to action under FER Act, 1947.
Export Financing
Pre-Shipment credit: The purpose of such credit is to meet working capital needs
starting from the point of purchasing of raw materials to final shipment of goods for
export to foreign country. Before allowing such credit to exporters the bank takes into
consideration about the credit worthiness, export performance of the exporters, together
with all other necessary information require for sanctioning the credit in accordance
with the existing rules and regulations.
Packing Credit: Packing credit is essentially a short term advance granted by a bank to
an exporter for assigning him to buy, process, manufacture, and pack the goods. This
35. 27
sort of credit is sanctioned for the transactional period which starts from dispatch of
goods till the negotiation of the export documents.
Post Shipment credit: This type of credit refers to the credit facilities, extended to
the exporters by the banks after shipment of the goods against export documents.
Remittance
Foreign remittance Department: Bank Asia corporate branch is an authorized dealer. Foreign
remittance represents of foreign currency receiving and converting. There are two types of
foreign remittance, Inward foreign remittance and outward foreign remittance.
Inward Foreign Remittance: In which remittance is get inside of country from the outside
through TT, FDD, MC, and TC with the various purpose such as wage earning remittance means
when people send money for family purpose. In export proceed means after getting the
commodities and then payment.
Purpose of Inward remittance:
Family Maintenance.
Indenting commission/Agency Commission/recurring agents commission.
Realization of export proceeds.
Donation/gift.
Export brokers commission etc.
T.T. (Telegraphic Transfer): T.T. is an order for payment of money sent by telex or Cable. Funds
are paid to the beneficiary in the foreign centre usually on the same day. No loss of interest or
expenses on stamp duty etc.
36. 28
M.T. (Mail Transfer): M.T. is an instrument issued by a remitting Bank to the paying Bank advising
in writing to make payment of certain amount to specific beneficiary. This involves loss of interest
to the purchaser and for this reason banks can afford to make M.T. rate cheaper than T.T. rate.
F.D.D. (Foreign Demand Draft): A foreign demand draft is a negotiable instrument issued by a
Bank drawn on other Bank with the instruction to pay of certain amount to the beneficiary of
demand.
T.C. (Travelers Cheque): People usually use TC to meet their expenses for overseas travels. It
reduces the risk of carrying currency notes. These are drawn in freely convertible currency.
Outward remittance: In which remittance is going out from our country that is called outward
remittance.
Purpose of Outward remittance:
Education Purpose
Import Purpose
Exam fees etc.
Foreign accounts of Bank:
Nostro Accounts: Nostro account means our account in foreign banks. It implies that Bank Asia
has an account in Commarze Bank in Netherland. When the bank makes a purchase of foreign
currency, the foreign bank will credit the Nostro account. When it makes a sale it will result in
a debit in the Nostro account.
Vostro Account: Vostro Account means their accounts in our Bank. In order to party payment
they open an account in the bank.
37. 29
Chapter 4 Trend Analysis
Import
Import Scenario
Year 2006 2007 2008 2009 2010
Million Taka 31,625 39,219 50,985 67,378 110418
1 2 3 4 5
From this graphical presentation we can see subsequent rises of import year to year. In 2006 the
total import is 31, 625 million taka. In between 2006 & 2007 the growth of import is 24% which
enhanced by 7654 million taka from the previous year and the total import is 39, 219 million
taka. After the next fiscal year means 2008 the import also increased 50,985 million taka by 30%
growth. The surplus portion of this year is 11, 766 million taka as counted over its previous year.
In 2009 by 32% growth the import reaches 67,378 million taka which is more then 16,393
million taka from the fiscal year 2008. Finally more recent counted year 2010 a tremendous
growth is occurred, by this year growth is 63.88% which is almost double in the previous year
scenarios. In 2010 the total import is 1, 10,418 million taka. And increase amount 43,040 million
taka compare to the previous year.
Since 2006 to 2010 in these five years the total amount of import is 2, 99,625 million taka. In the
total amount of 2, 99, 625 million taka were used by several sector to import.
Consumer goods 10%
38. 30
Capital machinery 4%
Textile 3%
Scarp Vessels 4%
Petroliam product and oil 1%
Cotton 2%
Raw cotton 6% and
Others 70%
Item wise Import 10%
4%
3%
4%
1%
2%
6%
70%
Reason behind import:
The rise in income has the natural tendency to exert excessive pressure on demand in the
economy. However, such excessive pressure on demand may be met by increased imports, if not
by local production. Imports of consumer goods have been experiencing high growth during the
last five years.
To expansion of electronic Media, a huge amount of machineries and electronic devises have
been imported. As a matter of fact, we are in under developing country so it can not be possible
to produce and invent all the necessary things over night. Because, inadequate resources and also
expertise. Another reason for import is inflation. When inflation is increase then the product
price also increase. To save the excess amount of money peoples always looks for alternative
39. 31
sources then they are used to be imported product. Favorable exchange rate is one of the
important issues for import. When the local currency is strong against the foreign currency then
importer will get benefit. Government borro rice procurement target was 1.2 million metrication,
which was aimed to be achieved in between 1st
May and 31st
October due to higher price offered
by the private traders against government set procurement prices of Taka 25 kg and in addition
taka 3 per kg in cash incentive. Only 47% of procurement target was achieve, as a result public
stock decline toward the end of 2009-2010 and Government decided to increase to import to
rival the stock level.
Export
Export Scenario
Million Taka 17,480 20,417 25,155 30,953 57,282
Year 2006 2007 2008 2009 2010
1 2 3 4 5
Since 2006 to 2010 export also increased but the scenario was not like import. In 2006,
The total export amount is 17,480 million taka. For the next year in 2007 the total export is
20,417 million taka which enhanced by 2, 937 million taka with 16.80% growth to compare with
the previous year. In the same way in 2008 export is increase at 4,738 million taka by the total
amount of 25, 155 million taka with 23.20% growth. Exports of fruit and vegetables jumped
40. 32
almost 40 percent in the first nine months of fiscal year 2007-08. In 2009 total export amount is
30,953 million taka by extant 5, 798 million taka with 23% growth. After one year a tremendous
growth we have noticed in 2010 fiscal year. Within this year the product is exported in large
scale which growth beyond the last four years 85.04% and the difference is 26, 329 million taka
grater then the previous year. That is definitely a positive sign for national economy. The growth
trend should have continued for country development. In order to make the strong economy
export can play an important role. Large extent of export can create a huge opportunity i.e.
employment opportunity, can be made strong local currency against foreign currency, build up
strong capital market, reduce the poverty and so on. To keep continue this trend our Government
should emphasize on this sector. To extended of cash incentive 20% to 40%. Since 2006 to 2010
the total export was 151, 287 million taka. Exported items which are contributed for better
growth those are:
RMG (Ready made garments) 40%
Leather 10%
Medicine 2%
Frozen food 10%
Tea 5%
Jute goods etc. 20%
Others 13%
Item wise Export
40%
10%2%10%
5%
20%
13%
41. 33
Readymade Garments: RMG leads the Bangladesh export market, total amount of yearly
export 40% is garments goods. About 15 million people are directly dependent on this sector.
Cheap labor forces are one of the main reasons for better growth of export.
Leather: Bangladesh is capable of producing 180 Million square fit of Leather annually. There
are 15 large-scale modern shoe factories engaged in the production of high quality footwear with
2500 smaller footwear units spread all over the country. These units are producing for the
domestic market. Over 50 manufacturers are producing various leather items such as travel
goods, suitcases, briefcases and fashion accessories, along with belts, wallets, handbags, card
holders etc. for overseas export.
Frozen food: Fiscal year 2009 and 2010 export of vegetables is over 10,000 MT per year on an
average. In fiscal year 2007-08 fruits and vegetable is export almost 40% of the total export.
Shrimp is also one of the most important exported items. Around 1.2 million people are directly
employed in the capture and culture fisheries. Overall, 120 million people depend on the
fisheries and livestock sector, directly or indirectly, for their livelihood.
Tea: Tea is the other significant element of export in Bangladesh, each year tea contribute 5% of
total export. The main tea growing areas are: Sylhet, Chittagong & Panchagar. Approximately 58
million Kg teas are produced annually. Major importing countries of Bangladesh tea are:
Afghanistan, Iran, Pakistan, UAE, Saudi Arabia and Russia. In our country produce organic tea;
this main concept is chemical free production. Kazi & Kazi Tea Company produce this tea in
Panchagar. Since 2008 they export this tea in United Arab Amirats country.
Jute and Jute goods: Since 2009 to 2010 jute made products demands have been created in
Europe market. About 20% jute products are exported from Bangladesh over the last two years.
As a result, a large scale employment opportunity has created. And it also again contributes to
the national economy as like before.
42. 34
Medicine: As of late we have seen, that our pharmaceuticals industry keeps contribution in
economy by export earning remittance. The total amount of export 2% is goes for
pharmaceuticals industry. SQUARE, BEXIMCO, and OPSONIN kept the big role for this sector.
43. 35
Chapter 5
Recommendation:
1. Bank Asia corporate branch is well decorated and also having a talent pull of employees
there is no doubt, but there is a shortage of employees.
2. Bank Asia should get enhanced the employee in teller service and customer service as
well as foreign trade.
3. Bank should more concentration about all categories client.
4. Bank Asia operating software “STEALER’’ Should be changed, because most of the time
it got problem and hampered working attention and also delayed time.
5. Bank Asia Corporate branch should have reduced the excess number of messenger.
Conclusion:
After end of the report I got learn so many things about foreign exchange related activities such
as import, export, procedure foreign remittance, and performance and trend analysis which gave
me a vast knowledge about money market, capital market, inflation, deflation, weak currency
and strong currency, measuring a percentage of growth year on year. In the retirement of report I
would like to give a thanks my academic supervisor whose support me to proceed and finish the
report successfully.
44. 36
Appendix-1 (for Import)
Execution on Growth Percentage:
(Ending Value – Beginning Value) / Beginning value * 100
Year Value Figure % Growth
2007 (31625-39219) / 31625* 100 24%
2008 (50985-39219) / 39219* 100 30%
2009 (67378-50985) / 50985* 100 32%
2010 (110418-67378) / 67378 * 100 63.88%
Enhanced Amount:
Current year amount – Previous year
Year Value Figure Rising Amount
2007 (39219-31625) 7, 594/-
2008 (50985-39219) 11, 766/-
2009 (67378-50985) 16, 393/-
2010 (110418-67378) 43, 040/-
45. 37
Total import in last five years:
Million Taka
Year value
2006 31, 625/-
2007 39, 219/-
2008 50, 985/-
2009 67, 378/-
2010 1 ,10, 418/-
Total 2, 99, 625/-
46. 38
Appendix-2 (for Export)
Execution on Growth Percentage:
(Ending Value – Beginning Value) / Beginning value * 100
Year Value Figure % Growth
2007 (20417-17480 ) /17480 * 100 16.80%
2008 (25155-20417 ) /20417 * 100 23.20%
2009 (30953-25155 ) /25155 * 100 23%
2010 (57282-30953 ) /30953 * 100 85.04%
Enhanced Amount:
Current year amount – Previous year
Year Value Figure Rising Amount
2007 20417-17480 2, 937/-
2008 25155-20417 4, 738/-
2009 30953-25155 5, 798/-
2010 57282-30953 26, 329/-
47. 39
Total Export in last five years:
Million Taka
Appendix-3
Export Prohibited Item
Any kind of live animals, animal organs or hide/ skin of wild animals as
mentioned in the Wildlife (Protection) Ordinance 1973 (President’s Ordinance No. 23,
1973, Revised in 1974), except the species mentioned in the first list of the Ordinance.
Fire arms, ammunition and related materials.
Radioactive materials.
Archeological relics.
Human skeleton, blood plasma, or anything produced from human beings or
human blood.
All types of pulses( except processed ones)
Cane, wood, wood logs/ thick pieces of wood (except handicrafts made from
these materials).
Year value
2006 17,480/-
2007 20, 417/-
2008 25, 155/-
2009 30, 953/-
2010 57, 282/-
Total 151, 287
48. 40
Appendix-4
Desk Work during internship period:
Credit & Marketing department:
Prepare different type clients database.(Approximately 15,000)
Prepare marketing letter and send it daily basis
Prepare sanction letter for loan
Prepare and maintain agenda for SME, Consumer credit, and Corporate client.
Credit recovery
Actively work for deposit mobilization campaign ( achieve tk.20 crore for FDR)
SOD filing
All meeting minutes
Foreign Trade department:
Import section
L/C opening register writing
PAD register writing
LCA form fill up
L/C posting, BL posting in Bangladesh Bank website
IMP form fill up
Export section
EXP posting in Bangladesh Bank website
Document Sorting
Documentation file writing
Export IMP fill up
Triplicate posting in Bangladesh Bank website
SAM message download (for all)
49. 41
General Banking department:
IPO share posting
Cheque book posting in register
Credit card and debit card Sorting
Customer account balance checking
A/C opening form making
Sources:
Google search
www.bdtradeinfo.com/business/import_policy.asp
www.fbcci-bd.org/policy/Major_Export_Items.htm
peperonity.com/go/sites/mview/ajobdhaka/19994577
Bank Asia website
Book, Journal, Annual report etc
Bibliography:
Foreign exchange & Risk management written by Syed Ashraf Ali.
Foreign exchange Laws manual written by Md. Shazan Ali Mollik