...“Credit Management and performance evaluation of National Bank Limited” Chapter – 01 Introduction OF THE REPORT 1.1 Introduction National bank limited (NBL) is a full service scheduled commercial bank. It has both local and International Institutional Shareholder. The bank is primarily driven with a view of creating opportunities and pursuing market niches not traditionally meet by conventional banks. National Bank has been motivated to provide “best-in-the-class” services to its diverse assortment of customers spread across the country under an on-line banking dais. Today, National Bank is one of the fastest growing banks in the country. In order to support the planned growth of its distribution, network and its various business segments, National Bank is currently looking for impressive goal oriented, enthusiastic, individuals for various business operations. The bank wants to build a profitable and socially responsible financial institution. It carefully listen to the market and business potentials, It is also assisting stakeholders to build a progressive, healthy, democratic and poverty free Bangladesh. It helps make communities and economy of the country stronger and to help people achieve their financial goals. The bank maintains a high level of standards in everything for our customers, our shareholders, our acquaintances and our communities upon, which the future affluence of our company rests. Risk is inherent in all aspects of a commercial operation...
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...Credit Risk Management Of AB Bank Limited 25. May, 2013 view with charts and images Executive Summary The ongoing development of contemporary management methods and the increased use of innovative financial products such as securitization and credit derivatives have brought about substantial changes in the business environment faced by credit institutions today. Especially in the field of lending, these changes and innovations are now forcing banks to adapt their in-house software systems and the relevant business processes to meet these new requirements. Credit Risk Management is intended to assist practitioners in redesigning a bank’s systems and processes in the course of implementing the Basel II framework. Throughout last five years securitization, rating and validation, credit approval processes and management, as well as credit risk mitigation techniques. Credit management is based on developments in the banking sectors is meant to provide readers with best practices AB bank would be well advised to implement regardless of the emergence of new regulatory capital requirements. AB Bank is to develop mutual understanding between regulatory authorities and banks with regard to the upcoming changes in banking. Credit risk Management provides interesting reading as well as a basis for efficient discussions of the current changes in AB Bank. The bank has been successful in holding its position as a progressive and dynamic financial institution in the country for a long...
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...An Internship Report On NBL Foreign Exchange Operations – An overview Presented To The Department of Business Administration IBAIS University In partial fulfillment of the requirement of the degree of BBA In Finance By: Farhan Ahammed ID No. – 0102072411 IBAIS UNIVERSITY Table of Contents |Chapter |Topic |Page Number | |Chapter One |Introduction |2 | |Introduction | | | | |Origin of the Report |2 | | |Objectives of the Report |3 | | | Methodology of the report |3 | | |Scope of the report | 4 | | |Limitations of the report ...
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...Nepal. Nepal Bank Limited seeks to provide and Environment within which the bank can bring unique financial value and service to all customers. Being a sound institution where depositors have continue to have faith in the security of their fund and receive reasonable returns. Borrowers are assured of appropriate credit facilities at reasonable prices. Other service seekers receive prompt and attentive service at reasonable cost through its extensive branch networks around the country. Beside this NBL has been providing various modern banking products and services to its customers. For this to take place I enrolled with NBL kalimati branch as an intern for the period of two months. The help desk service includes the services of account opening, balance inquiry, publishing account statement, issuing cheque book, account close and etc. The management service department includes allotment of salary to the staffs, issuing the pin code of ATM, keeping record of employees and stock, scanning photo and signature of customers and many mores. The remittance service mainly involves the fund transfer from one place to another and also from another country as well. Beside this NBL has used various...
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...Executive Summary National Bank Limited is a customer oriented financial institution. It remains dedicated to meet up with the ever growing expectations of the customer because at National Bank, customer is always at the center. Customer satisfaction is a measure of how products and services supplied by a company meet or surpass customer expectation. It is seen as a key performance indicator within a business. So, assessing the level of customer satisfaction actually helps to measure an organization‘s position in business. I am doing my internship in National Bank limited with rotation on different desks which includes Accounts Opening, General Banking, Retail Banking, Clearing, Remittance, Loans and Advances etc. In this report “The Customer Satisfaction on different services of National Bank Limited”. I will focus on various aspects of this Bank. Since they are standing at good position among the private banks, their financial position, market shares, marketing mechanisms, overall strengths and weakness, objectives, goals will be cross examined for analyzing the fact that how they were and how they will be in future. Various types of analysis will help us to understand the comparative position and a transparent picture of this Bank that will help us to draw any comment at a glance. As I am directly in touch with customers, the report will deal with the service quality and customer satisfaction of National Bank Limited. A survey will be conducted on the customers of National...
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...Internship Report On A Comparative Financial Performance Analysis of Three Branches of National Bank Limited Tapash Chandra Paul BBA Program 2014 (17th Batch) Roll: 35 Internship Report On A Comparative Financial Performance Analysis of Three Branches of National Bank Limited Tapash Chandra Paul BBA Program 2014 (17th Batch) Roll: 35 Supervisor Dr. Syed Golam Maola Professor Department of Management Faculty of Business Studies University of Dhaka 28th February, 201 Executive Summary This study aims at measuring and comparing the financial performance of three branches of National Bank Limited in Bangladesh. In a competitive financial market bank performance is very important because it provides signal to depositors and investors whether to invest or withdraw funds from the bank. Similarly, it flashes direction to bank managers whether to improve its deposit service or loan service or both to improve its finance. Regulator is also interested to know for its regulation purposes. Specifically two objectives were pointed out in these study as to analyze comparative branch financial performance among three branches in the light of growth and profitability performance and evaluate comparative branch financial performance among three branches in the light of employee performance. For comparative branch performance analysis three branches are being selected. For the organization part, much information has been collected both from the...
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...vision of diversifying banking activities into different activities of client service. The bank is also committed to fulfill its responsibilities to the society and the country. National Bank Limited has its prosperous past, glorious present, prospective future and under processing projects and activities. Established as the first private sector Bank fully owned by Bangladeshi entrepreneurs, NBL has been flourishing as the largest private sector Bank with the passage of time after facing many stress and strain. The member of the board of directors is creative businessman and leading industrialist of the country. To keep pace with time and in harmony with national and international economic activities and for rendering all modern services, NBL, as a financial institution automated all its branches with computer network in accordance with the competitive commercial demand of time. Moreover, considering its forth-coming future the infrastructure of the Bank has been rearranging. The expectation of all class businessman, entrepreneurs and general public is much more to NBL. Keeping the target in mind NBL has taken preparation to open new branches by the year...
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...vision of diversifying banking activities into different activities of client service. The bank is also committed to fulfill its responsibilities to the society and the country. National Bank Limited has its prosperous past, glorious present, prospective future and under processing projects and activities. Established as the first private sector Bank fully owned by Bangladeshi entrepreneurs, NBL has been flourishing as the largest private sector Bank with the passage of time after facing many stress and strain. The member of the board of directors is creative businessman and leading industrialist of the country. To keep pace with time and in harmony with national and international economic activities and for rendering all modern services, NBL, as a financial institution automated all its branches with computer network in accordance with the competitive commercial demand of time. Moreover, considering its forth-coming future the infrastructure of the Bank has been rearranging. The expectation of all class businessman, entrepreneurs and general public is much more to NBL. Keeping the target in mind NBL has taken preparation to open new branches by the year 2000-2001. The emergence of National Bank Ltd. in...
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...Chapter-One Introduction 1.0. Introduction of the Report[pic] The internship program is an integral part of Bachelor of Business Administration (BBA).This program creates a unique opportunity for the student to apply their theoretical knowledge into practice and gain valuable real world business experience. During the program, student can also realize existing business condition apart from having opportunities to solve the problem using various analytical tools. In the age of modern civilization bank is playing its spending role to keep the economic development wheel moving. The corporation of the bank is needed in every economic activity. In fact there is hardly any aspect of development activity where state inspired or otherwise where bank do not have role to play. Modern banks play an important part in promoting economic development of a country. Banks provide necessary funds for executing various programmers underway in the process of economic development. They collect savings of large masses of people scattered through out the country, which in the absence of banks would have remained ideal and unproductive. These scattered amounts are collected, pooled together and made available to commerce and industry for meeting the requirements. Economy of Bangladesh is in the group of world’s most underdeveloped economies. One of the reasons may be its underdeveloped banking system. Government as well as different international organizations have also identified that...
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...and Competitive Advantage Of National Bank Limited”. In this regard I have opportunity to make my internship in National Bank Limited (Progoti Soroni Branch). The National Bank Limited is a scheduled private commercial bank established on 23rd March, 1983. During this short span of time, the bank has been successful to position itself as a progressive and dynamic financial institution in the country. National bank was born as the first hundred percent Bangladeshi owned bank in Private sector. The then President of the People’s Republic of Bangladesh Justice Ahsanuddin Chowdhury inaugurated the bank formally on March 28, 1983. NBL was first domestic bank to establish agency arrangement with the world famous Western Union in order to facilitate quick and safe remittance of the valuable foreign exchanges earned by the expatriate Bangladeshi nationals. NBL was also the first among domestic banks to introduce Master Card in Bangladesh. Since the very beginning, the bank exerted much emphasis on overseas operation and handled a sizeable quantum of homebound foreign remittances. The Bank established extensive drawing arrangement network with banks and exchange companies located in important countries of the world. 1.1 RATIONALE OF THE STUDY The term rationale defined as a justification for doing something. Certainly that perspective is a vital one which helps to...
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...Report on Bangladesh Electronic Fund Transfer Network: A Study on Prospect of Payment and Settlement System in Bangladesh Prepared by Kafil Uddin Muhammad Zahid Mahmud ID: 80802062 Supervisor Professor (Dr) Khondoker Bazlul Hoque Department of International Business University of Dhaka Date of Submission: November 26, 2015 Department of International Business University of Dhaka November 26, 2015 Professor (Dr) Khondoker Bazlul Hoque Department of International Business University of Dhaka Subject: Submission of Internship Report. Dear Sir With due respect and humble submission I beg state that I want to submit my internship report consist of “Bangladesh Electronic Fund Transfer Network: A Study on Prospect of Payment and Settlement System in Bangladesh” as the study part of which you had assigned me for fulfillment of the course “Internship” of Evening MBA program. May I note here that, there will be no dearth of sincerity on my part to bring the issue under study into proper focus. However, I would like to request you to consider if any error is found in my report. Finally, I would like to request you to permit me to conduct the research on my proposed topic and submit my report on that. Thanks in advance for your kind assistance and advice in this connection. Yours obediently, Kafil Uddin Muhammad Zahid Mahmud ID. 80802062 2nd Batch, Department of International Business University of Dhaka Contact No. 01715720770 Email: kafil_uddin@yahoo.com ii | P a g e ACKNOWLEDGMENT...
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...Theoretical Framework 6 2.2 7 Qualitative Analysis of Organization 7 2.2.1 Mission Statement 8 2.2.2 Vision 8 2.2.3 Values 8 2.2.4 Objectives 9 2.2.5 Share Capital and Ownership 9 2.2.6 Share Ownership of NBL 9 2.2.7 Organizational Structure 10 2.2.8 Product and Services 11 2.2.9 Human Resources and Training 12 2.2.10 Awards and recognition 14 2.2.11 The Kamladi Branch 14 2.2.12 Analysis of Organizational Functions 15 2.2.13 Current Status of the organization 17 2.2.14 Current Problems 18 2.2.15 SWOT Analysis 19 ANALYSIS AND PRESENTATION 20 3.1 Remittance Distribution in Nepal 20 3.2 Remittance and Nepalese Economy 21 3.3 Major Players in the Market: 24 3.4 Remittance at Nabil Bank 24 3.5 Framework of Inward Sourcing Unit 25 3.6 Remittance Products of Nabil Bank 26 3.7 Process of Internship 28 3.8 Western Union 29 3.9 Western Union and Nabil Bank 32 3.10 Income generated by NBL through Western Union 33 3.11 Analysis of Statistical Data of Western Union 34 3.11.1 Average Daily Transactions 35 3.11.2 Average transactions from various nations 36 3.12 Nabil Bank and Sub-Agents of Western Union 37 3.13 Nabil Remit 39 3.14 Process of Nabil Remit 39 3.15 Income generated by NBL through Nabil Remit 41 3.16 Analysis of Statistical Data of Nabil Remit 42 SUMMARY, CONCLUSIONS AND RECOMMENDATIONS 44 4.1 Summary 44 4.2 Conclusions 46 4.3 Recommendations 47 BIBLIOGRAPHY 49 INTRODUCTION ...
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...it is now developed into different forms that satisfy the same needs executed by money. Now a day one of the very important mode of payment is the credit cards as well as payment through loan. Since free and open trade is the engine of economic development, everyone is going to be a part of it. We are living in the era of profound changes in transaction process, called the age of interdependence. as well as it is a time of fulfilling the all expectation by having cards facility( Credit card and ATM card) and loan(Car loan, Personal loan and Home loan). Now a day taking loan has become a medium for buying the comfort and with this thought Dhaka Bank LTD. (DBL) is offering passive offer towards the customers compare to the other commercial bank, so that DBL can contribute over the desirability of the customer .and it has become possible through offering lower inertest rate over the asset produce and higher interest rate over the liability product. Credit card is an electronic based plastic card bearing an account number assigned to a cardholder with a credit limit that can be used to purchase goods and pay for services with a credit facility and without cash/currency note transactions. Dhaka Bank Ltd (DBL) offers the Dhaka Bank – VISA co-branded credit card and is considering the potentiality to grow in its existing credit card Business. The report has been prepared by focusing over the analyzing the performance of the Retail Banking Division. 2. BROAD OBJECTIVE ...
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...evaluate overall performance of both banks from 2009 to 2011 and to do comparison between them from 2009 to 2011. To evaluate and compare the overall performances between National Bank Ltd and Pubali Bank Ltd, I have collected data from secondary sources like Annual Report of both banks from 2009 to 2011,Online sources like website of both banks, DSE website etc. I have done Ratio Analysis (Liquidity Ratio Analysis, Profitability Ratio Analysis, Efficiency Ratio Analysis, Leverage Ratio Analysis & Market Position Ratio Analysis), Overall Risk & Specific Risk Analysis, Analysis of Return & Risk of Stock Prices, Systematic Risk or Volatility analysis of stock prices, Required rate of Return or Cost of Equity Capital Analysis and Analysis of Intrinsic value of Current Stock Price & its reflection on the fundamental of the banks for both banks to evaluate and compare their overall performance based on liquidity, profitability, efficiency, leverage management and market position. According to my findings, both National Bank Ltd and Pubali Bank Ltd have moderate and satisfactory overall performance which reflecting the fundamentals of the banks from 2009 to 2011 and National Bank Ltd is in better & satisfactory position based on overall financial performance than Pubali Bank Ltd from 2009 to 2011. And, my recommendation to existing investors of both banks is to retain their investment for longer period and to potential investors of both banks is to make future investment on shares on both...
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...system commonly referred to as the Basel Capital Accord. This system provided for the implementation of a credit risk measurement framework with a minimum capital requirement of 8% on banks Risk Weighted Assets (RWA). The 1988 framework is also known as "Basel – I". Since 1988, this framework has been progressively introduced not only in member countries but also virtually in all other countries. The "international convergence on capital measurement and capital standard -2004" is popularly known as Basel-II. It is a capital adequacy related standard framed by Basel committee. After the successful implementation of 1988 accord in more than 100 countries, the Basel Committee on Banking Supervision reached an agreement on a number of important issues for promoting best and uniform banking practices as well as setting standards and guidelines for supervisory function. Following extensive interaction with banks, industry groups and supervisory authorities that are not members of the Committee, the revised framework was issued on 26 June 2004, which is being regularly revised and updated. The Basel-II aims to replace Basel I and to make the capital framework more risk sensitive. Basel II has recommended major revision on the international standard on bank's capital adequacy, which requires banks to implement risk management policies that closely align banks capital with its economic capital. The Basel II has been introduced basically...
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