This Presentation will represent all the information about general banking activities of Mutual Trust Bank Ltd. It also describe an intern activities report to a specific branch of Mutual Trust Bank.

1. General banking Activities of Mutual Trust Bank Ltd.

2. Part 1 Preliminary Division
Part 2 Chapter 1: Organizational Profile of MTBL
Chapter 2: My Job at MTBL, Brahmanbaria Branch
Part 3 General Banking of MTBL
Chapter 1: Front Desk
Chapter :2 Accounts Department
Chapter 3 Cash Counter Section
Part 4 Data Analysis
Part 5 Findings & Recommendations
Major Items of Report

3. Banking System of Bangladesh has gone through three phases of development– Nationalization, Privatization and lastly Financial Sector Reform. Mutual Trust Bank Ltd. (MTBL, the 3rd
generation bank) has started its journey as a private commercial bank on 29 September, 1999. The whole working area of a modern bank can be divided mainly into 4 (four) Sections, such
as -1) General Banking Section, 2) Cash Section, 3) Loans & Advance Section and 4) Foreign Trade Section. Our focus & discussion will be concentrated mainly on General Banking
Section. General Banking is the starting point of all the banking operations. It is the department, which provides day-to-day services to the customer. It opens new accounts, remit funds,
issue bank drafts & pay orders etc. Provide customers through quick and sincere service are the goal of the general banking department.
In this study, a fervent appeal has been made to demonstrate and analyze the general banking activities and the subsequent outcome of Mutual Trust Bank Ltd. (MTBL), which is passing its
childhood period to establish an iconic threshold in the banking arena. The Company (Bank) operates financial activities through its Head Office situated at Dhaka and 103 branches. MTB
provides various Consumer Banking Products, such as- Brick by Brick Savings Scheme, Monthly Benefit Plan, Save Everyday Plan, Children‟s Education Plan, Consumer Credit Scheme
Best Invest Plan. Beside these, Banking services of MTBL include Online Banking Service, MTBL Tele Banking Services, SWIFT Services, Pay Order, Demand Draft (DD) Issue, MTBL
SMS Banking, Locker Service, Credit Card Service, and Visa Electronic Debit Card Service. Brahmanbaria branch is the 80th Branch of MTBL which is one of the profitable branches of
MTBL. This branch is structured with Foreign Exchange Department, General Banking & Advance Department and this branch is supervised under one JAVP. General Banking consists
three different sections in this branch and these are: Front Desk, Account‟s Department and Cash Counter Section. Various activities are carried out under these three sections, such as-
opening of an account, issuing of cheque books, closing of an account, stopping payment & dishonoring of a cheque, transfer, clearing, bills collection, cash payment and cash receipt.
MTBL offers different types of account, these are- Current Deposit, Savings Deposit, Short Term Deposit and Fixed Deposit Receipt. There are some other types of accounts which are
basically known as Festival Shanchay Prokalpa (FSP) that are offered due to different types of religious festivals. There are several prerequisites for opening an account. After opening an
account MTBL issues a fresh cheque against that account. A client can ask for a new cheque book for his/her old account through the requisition slip. If the cheque is lost by the client then
there‟s an opportunity to have a duplicate cheque book from MTBL. Moreover, MTBL gives the opportunity to transfer an account from one branch to another branch of MTBL. Upon the
request of a customer, an account can be closed. A banker can also close the account of his customer or stop the operation of the account under several considerable circumstances. A
banker can stop payment of cheque of his customer under several considerable circumstances. If the cheque is dishonored, MTBL sends a memorandum (cheque return memo) to the
customer stating all the reasons.
Those documents that are enter in the branch or exit of the branch must go through dispatch section. MTBL Brahmanbaria Branch receives different types of instruments, such as cheque, PO,
DD etc. from its customers for collection. It also pays on behalf of its customers for those instruments that come to it through clearing house. The amount of Cheques, Pay Order (P.O), and
Demand Draft (D.D) Collection from other banks on behalf of its customer is a basic function of a Clearing Department. Clearing is a system by which a bank can collect customers fund
from one bank to another through clearing house. There are two types of clearing and they are- Outward Clearing & Inward Clearing. Beside this, customer does pay and receive bill from
their counterpart as a result of transaction. Commercial bank’s duty is to collect bills on behalf of their customer. There are two types of bills for collection and they are- Outward Bills for
Collection (OBC) & Inward Bills for Collection (IBC). The cash section plays a significant role. It is a very sensitive part of the bank because it deals with most liquid assets. Mutual Trust
Bank Limited, Principal Branch has a well equip cash section. This section receives cash from depositors and pays cash against cheque, Demand draft, Pay order, and Pay-in-Slip over the
counter. The main functions of this section are cash receipt and cash payment.
This report primarily focuses on finding out the existing position of the bank in terms of General Banking activities and ways of improvement in this department of the bank. In this respect, the
report is divided into six broad chapters. The things outlined in Chapter one enumerates the preliminary division which includes introduction, origin of the report, objectives, scope,
limitations and methodology. Chapter Two defines the Organizational Overview of Mutual Trust Bank Ltd (MTBL) which includes Mission and Vision, objectives, products and services
etc. Chapter three defines my job at Mutual Trust Bank Ltd includes nature of the job, responsibilities and observation. In my observation part I wrote my own observations like the
workings in the bank are never left pending, performance in the bank is always praised by the other colleague in the bank etc. Chapter four is about the general banking activities of
MTBL. This chapter includes front desk, foreign remittance desk, accounts department and cash counter section of the bank. Chapter five includes SWOT analysis and findings of MTBL.
Chapter six includes recommendation part of the report and ends with conclusion.
Mutual Trust Bank Ltd. has an established and most importantly a reliable General Banking section. It fulfills the consumer needs in almost every case with its dignity and honor. MTBL wants
to be in the top most position in private banking sector of Bangladesh.
Executive Summary

4. In general sense we know “Bank” as a financial institution that deals with money. There are different types of banks like
Central bank, Commercial bank, Savings bank, Investment bank, Merchant bank and Co-operative bank etc. But when
we use the term bank it generally means “commercial bank” that is one which is concerned with accepting deposit of
money from the public, paying the deposited money with interest on demand of the client or otherwise and employing
the deposits in the form of loan and investment to meet the financial needs of businesses and other classes of society.
Now-a day’s banking sector is modernizing and expanding its hands in different financial sectors every day. At the same
time the banking process is becoming faster, easier and wider. In order to survive in the competitive field of the
banking sector all organizations are looking for better service opportunities to provide better services to their fellow
clients. So it is becoming important for every person to have some idea on the bank and banking procedure.
Mutual Trust Bank Ltd is a financial institution whose main objective is the mobilization of fund from surplus unit to deficit
unit. In the process of acceptance of deposits and provision of loans, Bank creates money. This characteristics feature
sets Bank apart from other financial institution. The bank can influence the money supply through lending and
investment. The bank is an economic institution whose main objective is to earn profit through exchange of money and
credit instruments.
Introduction

5. This Internship report on General Banking is prepared as a partial fulfillment of the BBA program. The
report is primarily concerned on the General Banking issues of Mutual Trust Bank Limited, which will
give an opportunity to relate theoretical concepts with real life business situation Internship program
“professed work attachment program” is essential for every Business graduating students because it
helps him or her to acquaint with the real life situation. Bank is one of the most important financial
intermediaries so I have selected Mutual Trust Bank Limited (MTBL) for doing my internship which is
one of the most leading banks in the banking sector. MTBL arrange internship program to give an
opportunity to the graduating students to learn and have practical experience about the banking
activities which will help the graduating students in their future life.
Background of the report:

6. The first objective of writing this report is to fulfill the partial requirement of the BBA degree. Following are the main
objectives:
 The general objective of this report is to fulfill the requirement of internship report.
 To acquire practical experience in different banking services of Mutual Trust Bank Limited.
 To gather knowledge about the transactions of different departments of the bank.
 To know about the Credit products and the way of disbursement.
 To inform the banking credit facilities to the mass people.
 To make inspiration for micro credit as well as industrial loan by which more employment can be created.
 To build- up awareness among the people not to be a defaulter borrower.
 To understand the small and medium enterprise. Establish priority of labor and production as a source of profit earning and growth of
capital. Coordinate the economic development with the social development.

Broad Objectives:
 A broad objective is to find out the general banking Activities of Mutual Trust Bank ltd and also about their services and rates which is
different in different situation.
Specific Objectives:
 To know the banking environment the Mutual Trust bank at Brahmanbaria Branch
 To get a clear scenario about the various Scheme of MTBL.
 To find the problems regarding the general banking and provide possible solution
Purposes of Study

7. Mutual Trust Bank Limited is one of the new generation banks in Bangladesh. The scope of the
study is limited to the Brahmanbaria Branch only. The report covers the organizational
structure; background, functions and the performance of the bank have mainly worked in
the General Banking so my report covers all the activities of General Banking department
in the Brahmanbaria Branch. While preparing this report I haven’t any limitations the
employees of General Banking department has helped me a lot and I have use both
primary and secondary data which was available to me.
 Assistance of local management at any time.
 Bank website is very much informative.
 Supply of financial data
Scope of the study:

8. The methodology of the study is given below-
 For the procedure of different banking operations, I had observed the operations and worked with the officers at the same time. I had interviewed
the MTBL officials for getting more information.
 For the analysis part, data have been collected from different statements and the annual report of the bank.
Sources of Information:
The data collection method of study consists of both of primary and secondary sources. But majority of the information
was collected from secondary sources.
 Primary Data: Primary data is mostly derived from the discussion with the employees & conversation with customers of the organization. Primary
information is under consideration in the following manner:
 Face to face conversation with the employees
 Practical work experience from different department of the concerned officers.
 Discussion with customers regarding quality of service of the bank.
 Guidelines and suggestions from all the senior employees in charge of mutual trust bank.
Secondary data: Secondary sources that will be used in the study is include:
 Internal Sources
 Bank's Annual Report
 Published Booklist of Mutual Trust Bank Ltd.
 Magazine of Mutual Trust Bank Ltd.
 Any information regarding the Banking sector
 External Sources
 Different books and periodicals related to the banking sector
 Bangladesh Bank Report
 Newspaper
 Bank website
Methodology of the Study:

9. Due to some legal obligation and business secrecy the bank was reluctant to provide some
sensitive data. Thus, this study limits only on the available published data and certain
degree of formal and informal interview and limited survey. Although the particular study
is extensive in nature, hard effort was given to make the study worthwhile and meaningful
even then there exists some limitation. Altogether the internship period in the bank was
not free from limitations. I faced some problems during the study, which I am mentioning
below:
Lack of time: I was in the bank for three months so within this short span of time it is
very difficult to be familiar with all the activities of the bank.
Lack of Supervision by the bank officers: As the officers were busy with their daily
working activities, they were not able to give me much time apart from their daily working
activities.
Restricted Information: There were various types of information’s that the bank officers
cannot disclose due to the security and other corporate obligations.
Other limitation: As I was a newcomer and had no previous experiences in the banking
sector and many practical matters in the bank were in written form so my own
observations may vary from person to person.
Limitations of the study

10. Part-02
Chapter 1: Organizational Profile of MTBL

11. Mutual Trust Bank Limited (MTBL) is a Public Limited Company by shares in Bangladesh, with
commendable operating performance. Directed by the mission to provide with prompt and efficient
services to clients, MTBL also provides a wide range of commercial banking services. The bank has
achieved success among its peer group within a short span of time with its professional and dedicated
team of management having long experience, commendable knowledge and expertise in convention
with modern banking. With all the resources, management of the bank firmly believes that the bank
would be able to encounter problems that may arise both at micro and macro-economic levels.
Introduction of MTBL

12.  Registered name of the company
Mutual Trust Bank Limited
 Company Registration No:
C38707 (665)/99 on September 29, 1999
 Bangladesh Bank Permission No:
BRPD (P) 744(78)/99-3081 on October 5, 1999
 SWIFT Code:
MTBL BD DH
 Registered Office:
MTB Centre
26 Gulshan Avenue, Gulshan 1
Dhaka 1212, Bangladesh
 Corporate Website
www.mutualtrustbank.com
 Auditors
M. J. ABEDIN & CO.
Chartered Accountants
National Plaza (3rd Floor)
109 Bir Uttam CR Datta Road, Dhaka 1205
Memberships
 The Institute of Bankers Bangladesh (IBB)
 Bangladesh Association of Banks (BAB)
 Bangladesh Foreign Exchange Dealer Association
(BAFEDA)
 Bangladesh Institute of Bank Management (BIBM)
 Bangladesh Association of Publicly Listed Companies
(BAPLC)
 Metropolitan Chamber of Commerce and Industry, Dhaka
(MCCI)
 International Chamber of Commerce Bangladesh Limited
(ICCB)
 Dhaka Stock Exchange (DSE)
 Dhaka Chamber of Commerce & Industry (DCCI)
 Federation of Bangladesh Chambers of Commerce and
Industry (FBCCI)
 American Chamber of Commerce in Bangladesh
(AmCham)
 Primary Dealers Bangladesh Limited (PDBL)
Introduction of MTBL

13. The Company was incorporated as a Public Limited Company on September 29, 1999, under the Companies Act 1994, with an
Authorized Share Capital of BDT 1,000,000,000 divided into 10,000,000 ordinary shares of BDT 100 each. At present, the
Authorized Share Capital of the company is BDT 10,000,000,000 divided into 1,000,000,000 ordinary shares of BDT 10 each.
The Company was also issued Certificate for Commencement of Business on the same day and was granted license on October
05, 1999 by Bangladesh Bank under the Banking Companies Act 1991 and started its banking operation on October 24, 1999. As
envisaged in the Memorandum of Association and as licensed by Bangladesh Bank under the provisions of the Banking
Companies Act 1991, the Company started its banking operation and entitled to carry out the following types of banking
business:
(i) All types of Commercial Banking Activities including Money Market operations.
(ii) Investment in Merchant Banking Activities.
(iii) Investment in Company Activities.
(iv) Financiers, Promoters, Capitalists etc.
(v) Financial Intermediary Services.
(vii) Any related Financial Services.
The Company (bank) operates through its Head Office at Dhaka and 37 branches. The Company/Bank carries out international
business through a global network of foreign correspondent banks.
Mutual Trust Bank Ltd. started its commercial operation from October 1999 as a scheduled bank obtaining license from
Bangladesh Bank under Bank Company Act 1991. It’s a 3rd generation private commercial bank in Bangladesh. Mercantile Bank
Ltd., EXIM Bank Ltd., Bank Asia Ltd., One Bank Ltd., First Security Bank Ltd., Premier Bank Ltd., Standard Bank Ltd. got
license in the year 1999. Mutual Trust Bank Ltd. along with these banks are un-officially known as 3rd generation private
commercial bank. On the other hand National Bank Ltd., IFIC Bank Ltd., The City Bank Ltd., AB Bank Ltd., United Commercial
Bank Ltd., Islami Bank B’desh Ltd. etc. are known as 1st generation private commercial bank and Dhaka Bank Ltd., Prime Bank
Ltd., South East Bank Ltd., Dutch-Bangla Bank Ltd., Social Investment Bank Ltd., Al-Arafah Islami Bank Ltd. etc. are 2nd
generation bank in terms of their launching year.
Historical Background

14.  Our Vision
 Mutual Trust Bank’s vision is based on a philosophy known as MTB3V. We envision MTB to be:
 One of the best performing banks in Bangladesh
 The bank of choice
 A truly world-class bank
 Our Mission
We aspire to be the most admired financial institution in the country, recognized as a dynamic, innovative and client
focused company that offers an array of products and services in the search for excellence and to create an
impressive economic value.
 Bank’s Philosophy:
With the mission to become a dependable client focused financial institution in the country by proving service with
trust and integrity.
Mission & vision of MTBL

15.  Commitment:
 Shareholders – Create sustainable economic value for our shareholders by utilizing an honest and efficient
business methodology.
 Community – Committed to serve the society through employment creation, support community projects and
events and be a responsible corporate citizen.
 Customers – Render state-of-the-art service to our customers by offering diversified products and by aspiring to
fulfill their banking needs to the best of our abilities.
 Employees – We rely on the inherent merits of the employee and honor our relation as a part of this renowned
financial institution. We work together to celebrate and reward unique backgrounds, viewpoints, skills and talents
of everyone at the work place, no matter what their job is.
 Accountability:
 As a bank, we are judged solely by the successful execution of our commitments; we expect and embrace this
form of judgment. We are accountable for providing the highest level of service along with meeting the strict
requirements of regulatory standards and ethical business practices.
 Agility:
 We can see things from different perspectives; we are open to change and not bound by how we have done things
in the past. We can respond rapidly and adjust our mode of operation to meet stakeholder needs and achieve our
goals.
 Trust:
 We value mutual trust, which encompasses transparent and candid communications among all parties.
MTB Core Values

16. Objectives
The main object of the Mutual Trust Bank Limited (MTBL) is to offer an international standard banking service system
in the financial market. Apart from that, the bank started its operation in the country with a view to realizing the
following objectives:
 To establish a partnership relationship with customer and to eliminate the idea of the debtor-creditor relationship of traditional
banks.
 To establish welfare oriented banking system.
 To mobilize savings towards productive sectors.
 To invest on profit and risk sharing basis.
 To accept deposits on profit and loss sharing basis.
 To create employment opportunities by investing savings towards prospective economic sectors.
 To extend banking services towards the poor, helpless and low-income group of people in the society in order to uplift of their
standard of living.
 To contribute to establishment of a society by equitable distribution of wealth.
 To establish justice in the trade and commerce in the country.
 To render services for the economic development of the nation.
Functions
The functions of Mutual Trust Bank Limited are as follows:
 To maintain all types of deposit accounts with online facilities.
 To conduct foreign exchange business.
 To extend other banking services.
 To conduct social welfare activities.
MTB Objectives & Functions

17. Retail- Retail Deposit Banking, Loan, Others
 Wholesale-
 Term Finance
 Working capital Finance
 Trade Finance
 off-shore Banking
 Syndications & structured Finance
 SME-
 SME Products
 MTB Women Entrepreneur
 MTB Agri Finance
 MTB Green Energy Finance
 Our Developmental Partners in SME
 SME/Agri Branch
 NRB-
 NRB FDR
 NRB DPS A/C
 NRB Savings A/C
 Treasury
 Money Market
 DIBOR
 Foreign Exchange
 Primary Dealers Business
 Privilege Banking
 Cards
 Discount Partners
 Payment Channels of Credit Card
 Promotional Offers
 FlexiPay
 Debit Card
 Credit Card
 Agent Banking/ Mobile Banking
MTB Products
MTBL deals a huge volume of Banking Activities, these are below,

18. Organizational hierarchy of MTBL
Board of Directors

19. Organizational hierarchy of MTBL
Senior Management

20. Organizational hierarchy of MTBL
Corporate Structure

21. Financial Statement 2016

22. Part-02
Chapter 2: My Job at MTBL, Brahamanbaria Branch

23. I was assigned at the Brahmanbaria Branch of Mutual Trust Bank Limited to complete my internship program. During my
internship program I enjoyed the work at the bank but most importantly I learned how to work under pressure with great
responsibilities. This practical orientation is necessary for graduating student to develop his or her skills and at the same
time helps students to prepare themselves before entering into the corporate world. The things that I have learned at
Mutual Trust Bank Ltd are:
Meaning of responsibility.
Necessity of commitment.
Punctuality and regularity is very important.
Ability to interact with different sorts of people.
Mutual Trust Bank Limited has a guide line for the internship students which guide the internee students while doing
work inside the bank. There are 3 different departments in Brahmanbaria Branch and they are:
General Banking (GB)
Credit Department (CD)
Foreign Exchange Department (FED)
I was rotated across all 3 different departments in the past 3 months. However, my main Concentration was General
Banking section and thereby, I allocated maximum time to work at GB section. Therefore, in this report I have described
about my job responsibilities at General Banking (GB).
Preface

24. Responsibilities & Learning
As an intern at Mutual Trust bank Ltd MTBL (Brahmanbaria Branch) there were a number of activities in which I was
involved. The activities are given below:
•Receiving cheques and pay order vouchers.
•Preparing pay orders.
•The process of account opening and closing and transfer of account.
•Preparing Know Your Customer (KYC).
•Updating the record book of Inward, Clearing, Fixed Deposit Receipt (FDR) and Foreign Documents.
•Administrative Activities like drafting letters or any other papers.
•Helping at foreign remittance desk.
•Collecting and helping clients preparing remittance related papers.
•Assisting clients with necessary information.
•Collecting necessary papers from clients such as- photocopy of National ID card, Passport, Trade License etc.
•Inputting data to and retrieving necessary information from Flora Software which is used in the bank.
Beyond these activities there were other tasks that I was given to accomplish related to the general banking activities. So I
have learned many things while doing my work at the General Banking Department (GB). The working pressure was high
yet pleasant. All the computer related activities inside the bank are done with the help of software named “Bank Flora”
made by Flora limited.
Observations
It was both very challenging and interesting experience for me working at The Mutual Trust Bank Ltd (Brahmanbaria
Branch). The employees there at the bank were very much friendly and cooperative. So, the things that I have noticed and
observed while working at the bank are:
•Work is never left pending for the next day unless it is absolutely necessary.
•The working of the bank employees can be made faster with the help of better operating system.
•A good job performance is always praised which motivates the employees.
•There was always a rush of clients inside the branch so the number of Transactions were high. Thereby, the employees remain very busy throughout
the day.
The working activities are always set and divided to each of the employees. Each and every employee has a certain set of
responsibilities. He or she carries out those responsibilities throughout the day. It is also easy to assign duties that way.
Moreover, I often saw everyone working in the bank helps each other out while doing their daily work inside the bank.
Preface

25. Part-03
General Banking of MTBL

26. Financial institutions which stand between the ultimate borrowers and ultimate lenders are known as banking
financial institution. Banks perform this function in two ways- taking deposits from people who want to deposit their
money in different forms and lending that accumulated amount of money to the potential investors in other
different forms. While doing these two performances bank gives a certain amount of interest money to the
depositors for depositing their money in the bank and receive certain amount of interest money from the borrowers
who borrowed money from the bank. In this way bank earns profit by giving less amount of interest to the depositors
and receive high amount of interest from the borrowers. The General Banking is the starting point of all the banking
operation. General Banking department aids in taking deposits and simultaneously provides some ancillaries services.
It provides service to both the regular clients and to those clients who comes to the bank for the first time to enjoy
general banking services. In some general banking activities, there is no relation between the banker and the client
especially when the client takes the service form Bank for once. On the other hand, there are some regular clients
with whom bank is doing its businesses frequently. It is the department, which provides day-to-day services to the
clients.
General Banking consists of four different sections in this MTBL (Brahmanbaria Branch.) .These are given below:
I. Front Desk
II. Foreign Remittance Desk
III. Account’s Department
IV. Cash Counter Section
Introduction of General Banking Section

27. Part-04
Data Analysis

28. 0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
Customer satisfaction in the services of MTBL
Satisfactory
Unsatisfactory
No answe
0%
10%
20%
30%
40%
50%
60%
70%
80%
Punctual Not enough
Punctual
Service delivery
time table
Scope of complaining about MTBL
Services & response for resolving
Yes
No
Yes
No
0%
20%
40%
60%
80%
100%
Satisfaction on the
MTBL's Client data
safety & Security in
cyber space

29. Part-05
Findings & Recommendations

30.  To improve the performance level and to minimize the problems as stated in the previous paragraphs
MTBL can take the following steps:
 Firstly the MTBL (Brahmanbaria Branch) needs to increase their advertisement and their social
activities. They have to go with the people’s needs and demands. They need to explore their banks
name to the people so that it can become a brand name in banking and everyone can know about
Mutual Trust Bank Ltd (Brahmanbaria Branch).
 Secondly, the branch needs to take some initiative so that higher authority allow them to sanction a
certain limit of loan amount when the clients require the loan within a short time and by doing this it
can earn clients reliability and trust. In the future these loyal clients may do vast businesses with the
bank.
 Thirdly, the communicational skills of the bank officials need to be improved further, so that they can
create an excellent communication flow with the clients.
 Fourthly, the branch needs to take some initiative to minimize its office unnecessary expenses.
 Fifthly, employee satisfaction should be ensured for quality services. If the employees are not
motivated and unsatisfied then the branch will not be able to do good business in terms of other
banks.
 Finally, Bank needs to develop their internship program. Sitting arrangements and working facilities
for the internee should be improved so that internee can have the opportunity to contribute more to
the banking activities of MTBL.
Findings

31.  After completing my internship in Mutual Trust Bank Ltd I realized that MTBL is very much organized and always
focused to provide its best service to its clients. Nevertheless, the bank still has some minor problems on which MTBL
management needs to take appropriate steps to solve them and in future it will help them to become one of the
leading banks of the country. Otherwise, these may cause huge loss or create a barrier for the future prospect.
 I hope that these recommendations would be helpful for the Mutual Trust Bank Ltd. These recommendations are
given below:
 Higher authority of the bank should allow branches of the bank to sanction a certain limit of loan amount to the
clients.
 In the last few years bank constantly achieved a very good profit margin but it is not enough compare to other
banks. So the bank needs to increase their profit to be in the competition.
 MTBL needs to increase their advertisement and social activities to build- up a brand image of the bank.
 MTBL management should always motivate their employees so that employees get motivated and work harder.
 Communication skills of the bank officials need to be improved so that employees can communicate more effectively
with the clients to satisfy them.
 MTBL has a very strong capital back up so the management of the bank should be more careful in terms of the proper
utilization of the bank’s capital.
 MTBL needs to minimize their unnecessary office expenses to earn more profit.
 MTBL offers several deposit schemes and financial products for the clients but they should concentrate more on the
quality of the products rather than the quantity of products.
 MTBL is expanding their businesses but they should open more branches in the remote areas of the country so that
maximum number of people can come under their services.
Recommendations

32.  More workshop and training classes should be arranged by the bank authority so that bank employees can have the
opportunity to improve their skills.
 MTBL should improve their online services to make banking easier for their clients.
 MTBL should open more ATM booths in the country so that clients of the bank can use their ATM cards more
conveniently.
 The competition is very high in the banking sector as many new banks are coming to provide banking services. So,
the MTBL management and marketing department should work harder to sustain in this banking sector and for the
growth of the bank.
 Political instability often affects the banking sector so the directors of the banks should take initiative to talk with
the political leaders about this issue and try to find out a solution.
 Some policies made by the Central Bank are not favorable for commercial banks like MTBL so the Bank Association
should talk with the Central Bank about these policies and should try to solve these problems.
 The authority should recruit more employees to serve the clients. They can recruit experienced employees as well as
fresh graduates.
 They should take an initiative to improve their expertise in the investment businesses to be more prompt.
 The Mutual Trust Bank Ltd. can offer different deposit schemes for college and university students.
 To maintain the bank reputation and image in the Banking sector as well as to the general people, Mutual Trust Bank
Ltd (MTBL) should involve precisely in mobilization and utilization of local resources like – investing in N.G.O
activities, educational, health service expansion activities and poverty elevation etc.
Recommendations

33. In the last three months I was quite intriguing to do my internship at Mutual Trust Bank Limited (Brahmanbaria
Branch). I learned about the nature of actually working in a professional environment. The internship program at
Mutual Trust Bank Ltd is designed in a such a way that a internee will have the opportunity to gain knowledge of
practical banking and to compare this practical knowledge with the theoretical knowledge but it is not possible for a
internee to go to the depth of each activities of branch because of the time limitations and bank officials do not
want to disclose many internal information’s to a internee. However, I gave my best effort to achieve the objectives
of the internship program. The value of General Banking is immense. It is the core tool of banking as well as the base
of banking. Other departments of a bank depend mostly into this department. Mutual Trust Bank Ltd (MTBL) has
established a reliable General Banking departmental image to the clients of the bank. It fulfills the consumer needs
in almost every case with dignity and honor. The bank itself is very much well-organized as well as its officers. MTBL
is developing its services to compete with other banks. According to MTBL, it is not going with Veni, Vidi, Vici (I
came, I saw, I conquered). In fact, MTBL wants to be in the top most position in the private banking sector of
Bangladesh.
Conclusion

34. Thanks & Regard