...Course Title: E-Commerce Course Code: 435 An assignment prepared as a part of BBA program by the students of 4th year 2nd Semester, under direct supervision of Mohammad Mizenur Rahman, Assistant Professor, Department of Business Administration, Shahjalal University of Science and Technology, Sylhet-3114. Assignment on: A Comparative Study on E-banking: A Study on Web information of Agrani Bank Ltd. & Mercantile Bank Ltd. Submitted to: Mohammad Mizenur Rahman Assistant Professor Department of Business Administration Shahjalal University of Science and Technology Sylhet-3114 Submitted By: Name Registration No. Subrata Ray 2007731005 Shams Md. Safwan Radi 2007731041 4th year 2nd Semester Department of Business Administration Shahjalal University of Science and Technology, Sylhet. Date of Submission: 1st January, 2012. A Comparative Study on E-banking: A Study on Web information of Agrani Bank Ltd. & Mercantile Bank Ltd. Electronic banking is an umbrella term for the process by which a customer may perform banking transactions electronically without visiting a brick-and-mortar institution. In other words electronic banking does not mean only 24-hours access to cash through an Automated Teller Machine (ATM) or through internet or Direct Deposit of pay checks into checking or savings accounts as many consumers may think. Electronic banking (e-banking) involves many different types of transactions; it is a form of banking...
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...Profitability RATIO Analysis of Some Private Banks (Dhaka Bank, MTB, EBL and MBL) Of Bangladesh” October 2011 Liquidity and Profitability RATIO Analysis OF Some Private Banks of Bangladesh A Thesis Report Submitted By Nazimul Asif ID # MBA 044 12228 MBA Program 44th Batch in partial fulfillment of the requirmetn for the degree of Department of Business Administration Stamford University Bangladesh Under the Guidance of and Submitted To Ellina Mahbuba shahid Lecturer Department of Business Administration Stamford University Bangladesh Stamford University Bangladesh October 2011 Stamford University Bangladesh 744, Satmosjid Road, Dhanmondi, Dhaka-1209 To Whom It May Concern This is to certify that, Mr. Nazimul Asif; a student of MBA program, Major in Finance, Department of Business Administration, Stamford University Bangladesh has completed the Thesis report titled “Liquidity and Profitability RATIO Analysis of Some Private Banks (Dhaka Bank, MTB, EBL and MBL) Of Bangladesh” successfully under my supervision. I wish him every success in his life. Supervisor ___________________ Ellina Mahbuba Shahid Lecturer Department of Business Administration Stamford University Bangladesh Letter of Transmittal October 23, 2011 Ellina Mahbuba Shahid Lecturer Department of Business Administration Stamford University Bangladesh Subject: Submission of Thesis Report. ...
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...Volume– V, Issue– 02, July-December, 2010 Problems and Prospects of SMEs Loan Management: A Study on Mercantile Bank Limited, Khulna Branch S. M. AKTERUJJAMAN 1 Abstract SMEs all over the world have been playing a crucial role in promoting economic development as well as industrial production. SME financing has been identified as a major obstacle to SME growth. Unfortunately, the issue seems to be as unresolved as it always has been. Though the majority of the issues are with the SME themselves, the banks also have major issues in designing financial products for the SMEs. This study tries to find out the underlying problems from the bank’s perspective. The major findings are related to the high interest and loan duration rates, reasons for SMEs relatively informal way of doing business in contrast to bank’s formal procedures and prerequisites, bank’s relative inexperience in this field. They are also related to the bank’s lack of perspective, the viability and benefits of cluster unity, approach to informal loan takers and non-usage of modern technology and accounting procedures. The recommendations were provided based on the analysis and findings. Key words: Small and Medium Enterprises (SMEs), Financing, Loan, Technology, Cluster. 1. INTRODUCTION Small and medium enterprises (SMEs) all over the world have been playing a crucial role in promoting economic development as well as industrial production. In particular, SMEs provide the necessary foundations for sustained growth...
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...ffA STUDY ON PERFORMANCE ANALYSIS: IMPORT DIVISION OF EXPORT IMPORT BANK OF BANGLADESH LIMITED By Nabila Alam ID # 0931059 An Internship Report Presented in Partial Fulfillment Of the Requirements for the Degree Bachelor of Business Administration INDEPENDENT UNIVERSITY, BANGLADESH April, 2013 Comparative Analysis of Import Division of EXIM Bank Ltd Page 1 A STUDY ON PERFORMANCE ANALYSIS: IMPORT DIVISION OF EXPORT IMPORT BANK OF BANGLADESH LIMITED By Nabila Alam ID# 0931059 Had Been Approved April,2013 ______________________________ Abul Khair Jyote Lecturer, Marketing School of Business Independent University Bangladesh Bashundhara R/A, Dhaka Comparative Analysis of Import Division of EXIM Bank Ltd Page 2 Table of Content Particulars Letter of Transmittal Acknowledgement Executive Summery Page No. 5 6. 7 Part – I Working Report on Export Import Bank of Bangladesh Limited Background & History Corporate Information‟s at a Glance Vision & Mission Objectives Corporate Objectives Board of Directors Shariah Board Islamic bank extend investment (loan) under the principles Branches of EXIM BANK in Bangladesh Financial Performance of EXIM BANK Limited Working Experience at EXIM BANK Job as an Intern Critical Observation and Recommendation 9 10 12 12 13 13 14 15 16 18 20 20 23 Part – II A STUDY ON PERFORMANCE ANALYSIS: IMPORT DIVISION OFEXPORT IMPORT BANK OF BANGLADESH LIMITED Chapter 1: Introduction 1.1 Introduction &Background 1.2 Rationale...
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...All the bank does not provide detail about loan processing fees to their customers. The prime bank limited and BRAC Bank limited only charges .50% as loan processing. And Mercantile bank Charge TK. 500 for loan processing. 4.4. Period of loan Prime bank LimitedDhaka Bank LimitedEastern Bank LimitedMercantile bank Limited Dutch-Bangla Bank Limited BRAC Bank Limited 1 year to 5 years 1 year to 3 years Upto 1 years Upto 2-5 years 1.5 year to 5 years 1 year to 3 years Among the bank the highest loan maturity date is offered by Dutch-Bangla Bank Limited and Mercantile Bank offer the lowest maturity period. 4.5. Mode of Finance Prime Bank LimitedDhaka Bank LimitedEastern Bank LimitedMercantile Bank Limited Dutch-Bangla Bank Limited BRAC Bank Limited Term loan and working capital loan Term loan and working capital loan working capital loan Only Term loan Only Term loan Only Term loan All the banks provide SME financing facilities do not provide long term loan to its customers. Among the banks Prime bank and Dhaka bank both provide term loan and working capital loan to their customer. Other banks either provide term loan or working capital loan to its customers. 56 4.6. Management Overall the management of the bank engaged in SME banking is efficient and have diverse knowledge and banking sector. BRAC has initiated to provide training of staff for well managing and SME customer. 4.7. Portfolio size of different bank in SME sector Name of bank Portfolio size SL 1 Prime Bank Limited10...
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...Chapter One INTRODUCTION 1.1 Introductory Background of the issues on the Topic: Analyzing Performance Evaluations involves evaluating three characteristics: a Bank’s liquidity, profitability and efficiency. A short-term creditor, such as a bank, is primarily interested in liquidity---the ability of the borrower to pay obligations when they come due. The liquidity of the borrower is extremely important in evaluating the safety of a loan. A long-term creditor, such as a bondholder, looks to profitability and solvency measures that indicate the Bank’s ability to survive over a long period of time. Long-term creditors consider such measures as the amount of debt in the Bank’s capital structure and its ability to meet interest payments. Similarly, stockholders look at the profitability and solvency of the Bank. They want to assess the likelihood of dividends and the growth potential of the stock. Performance managers review and analyze the firm’s Performance Evaluations periodically, both to uncover developing problems and to assess the firm’s progress toward achieving its goal. These actions are aimed at preserving and creating value for the firm’s owner. Performance ratios enable Performance managers to monitors the pulse of the firm and its progress towards its strategic goals. Although Performance Evaluations and Performance ratios rely on accrual concepts, they can provide useful insights into important aspects of risk and return that affect share price, which management...
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...An Overview of SME On Mercantile Bank Submitted to: Sharmin Sabnam Rahman 1st Supervisor Kohinur Akter 2nd Supervisor Submitted by: SHETU GUPTA ID# 05104092 Course no-Bus400 1 May 13, 2010 Sharmin Shabnam Rahman ( Lecturer) BRAC Business School BRAC University, 66, Mohakhali, Dhaka- 1212 Dear Madam, I am very pleased to submit my internship report on “Mercantile bank Limited” which is an essential requirement for the completion of BBA program. This report is the result of the Internship Program that I have conducted in Mercantile Bank Limited at Bijoynagar Branch. All the information presented in this report is done with outmost sincerity and honesty. I have tried my best to make this report holistic and informative. Apart from the academic knowledge gained, this internship program and preparation of this report have given me the opportunity to know about the overview of SME Loan. I believe that, the experience I have acquired from this Internship Program will be a valuable asset in my life. Working with such an interesting program has given me the opportunity to achieve experience, which will be helpful in my future professional career. However, there may be some mistakes or lacking due to some limitations. Therefore, I would be highly be obliged if you would kindly consider my limitations. Sincerely Yours, _________________ Shetu Gupta ID- 05104092 BRAC Business School BRAC University. 2 Acknowledgement The report titled as “Overview of SME loan...
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... Shahriyar Anam Course Instructor Business Communication Submitted By Sabbir Ahmed Reg – 11102003 Group – A (BBA) Date of Submission – 21.08.2011 The University of Asia Pacific Department of Business Administration A Report on Mercantile Bank Limited PREPARED FOR Shahriyar Anam Course Instructor Business Communication PREPARED BY Sabbir Ahmed Reg – 11102003 Group – A (BBA) Department of Business Administration The University of Asia Pacific Letter of Transmittal August 21, 2011 Shahriyar Anam Course Instructor (HSS 131) Department of Business Administration The University of Asia Pacific Subject: Application for submitting the report on Mercantile Bank Ltd. Dear Sir, I beg most respectfully to state that, for the fulfillment of the course requirement, I have prepared a Report on Mercantile Bank Ltd. I have written this report based on my exposure to General banking, Foreign exchange, Loan and Advance department of main branch, Mercantile Bank Ltd. It is a great pleasure for me to present you this report. I shall be glad if the report can serve its purpose and I am ready to explain anything to you if you feel necessary. Thanking You, Sincerely Yours, Sabbir Ahmed Reg – 11102003 Group – A, BBA Department of Business Administration The University of Asia Pacific Preface Preface ...
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...Institutional Financing of SME in Bangladesh [pic] [pic] TERM PAPER ON Institutional Financing of SME in Bangladesh Submitted By: ID- Program- BBA Premier University, Chittagong Submitted in partial fulfillment of the requirements for the Bachelor of Business Administration. Submitted To: Ms. Nilufar Sultana Lecturer, Dept. of Finance & Banking, Faculty of Business Studies, Premier University, Chittagong. DATE OF SUBMISSION: /09/2012 Letter of Transmittal Date: To Ms. Nilufar Sultana Faculty of Business Studies Premier University, Chittagong Sub: Letter of Transmitter on Term Paper Dear Madam, This is my pleasure to submit my term paper report on “Institutional financing of SME in Bangladesh” which I was assigned. It was a great opportunity for me to acquire knowledge and experience in respect of the functions, procedures and operational activity, other than my topic of study. I have concentrated my best efforts to achieve the objectives of the assignment study and hope my endeavor will serve the purpose. However, I will always be ready to provide any further clarification that you may require. Sincerely Yours, ID# Program: BBA Batch Number: 16 8th Semester Section: Major:...
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...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 underdeveloped banking system causes some obstacles to the process of economic development. So they have highly recommended for reforming financial sector. Since 1990, Bangladesh Government has taken a lot of financial sector reform measurements for making financial sector as well as banking sector more transparent, and formulation and implementations...
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... BRAC Bank Limited, with institutional shareholdings by BRAC, International Finance Corporation (IFC) and Shore cap International, started its journey in 2001 and in just 12 years proved to country’s fastest growing bank. The Bank operates under a "double bottom line" agenda where profit and social responsibility goes hand in hand as it strives towards a poverty-free, enlightened Bangladesh. BRAC Bank Limited is a scheduled commercial bank in Bangladesh. It established under the Banking Companies Act, 1991 and its operation started on July 4, 2001 with a vision to be the market leader through to providing all sorts support to people in term of promoting corporate and small entrepreneurs and individuals all over the Bangladesh. Just as BRAC Bank has a corporate identity, they have a social identity too. As a Bank they are socially responsible. Fifty percent (50%) of BRAC Bank’s loan portfolio is diverted to Small and Medium enterprise Banking, and as a financial intermediary they channel funds from the surplus end to the needy. Country-wide network of SME Units centre to the end of small entrepreneurs to help them build their asset base. BRAC Bank is market leader in SME, striving for socio-economic upheaval in Bangladesh. The bottom line is, BRAC Bank do not support any finances that are detrimental to our environment. Some Important Features: * A portion of BRAC Banks revenue is channeled to support BRAC schools, where children study for free. 70% of these...
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...internship on National Credit & Commerce Bank Limited –NCCBL Motijheel Branch on 19th September and ended on 19th December 2013. Throughout my internship period Fatima Satter, Lecturer of Eastern University was my academic supervisor and Md.Ayub Assistant Vice President &MD.Masum Manager Operation was my field supervisor. A study on a particular topic is a mandatory part of the internship program. I was authorized to make a study on the “performance evaluation on National Credit & Commerce Bank Limited”. In this whole study I tried to connect my own financial knowledge to the financial data of. I tried my level best to produce a quality study on “Performance evaluation on National Credit & Commerce Bank Limited”. 1.2 Problem Statement & Justification The financial performance evaluation on bank is unknown. The reason for the research was to do a pilot study and we wanted to identify bank’s financial data analysis or change in year by year. By this study Bank organization can make better decision to improve their growth and to compare the competitor they visualize their position. 1.3Limitations of the study It was a great opportunity for me to work in NCC Bank limited as an Intern and a make a study on the financial performance analysis of it but there were surely some limitations while making this study. They are- * Difficulty in accessing latest data of internal operations for data security. * Since the bank personnel are very busy with their activities...
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...------------------------------------------------- A Report On Comparative Performance Study of Conventional and Islamic Banking in Bangladesh Course Title: THEORY AND PRACTICES OF BANKING IN BANGLADESH Course Code: FBK 312 Submitted To: Md. Nur Nabi Assistant Professor Department of Finance and Banking Faculty of Business Administration and Management Patuakhali Science and Technology University Dumki, Patuakhali- 8602 Submitted by: Group: C (Level: 3, Semester: I) Session: 2012-2013 Faculty of Business Administration and Management Patuakhali Science and Technology University Dumki, Patuakhali- 8602 Date of Submission: 09th May 2015 ------------------------------------------------- Roll No | Registration No | Name of the Students | Signature | 1203051 | 03596 | Nusrat Jahan Rupa | | 1203053 | 03598 | Nusrat Yesmin | | 1203054 | 03599 | Nisath Salsabil Urmi | | 1203056 | 03601 | Mehedi Hasan | | 1203057 | 03602 | Hasan Shahria Nayeem | | 1203060 | 03605 | Khondokar Tanveer Ahsan | | 1203061 | 03606 | Sume Akter | | 1203062 | 03607 | Rased Amer Sohag | | 1203065 | 03610 | Nusrat Jahan Pinki | | 1203067 | 03612 | Rasel Miah | | ------------------------------------------------- Group Member Details ------------------------------------------------- ------------------------------------------------- ATTENDANCE REPORT 1) Level : 3 2) Semester : I 3) Course Code : FBK-312 4) Course Title : THEORY AND PRACTICES OF BANKING IN BANGLADESH 5) Date Of Presentation...
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...MANAGEMENT: A COMPARATIVE STUDY BETWEEN CONVENTIONAL AND ISLAMIC BANKS OF BANGLADESH Banks conventionally fulfill the supreme responsibility of being a financial intermediary between the deficit and surplus unit of the economy. Liquidity risk refers to the excessive transaction cost, excessive loss of value and excessive exertion of time that banks have to face at the time of allocating liquidity to the third party when stipulated. Because of the unique constitutional features and regulatory conformity with the Shariah principle Islamic banks have to exert much more to manage liquidity. The core objective of this very research is to assess the extent of liquidity risk associated with financial institutions especially banks and to evaluate the concurrent liquidity risk management (LRM) along with a comparative analysis between conventional and Islamic banks of Bangladesh. The researcher has tried to investigate the significance of firm's size, net working capital, return on equity, capital adequacy and return on assets on liquidity Risk Management in case of Conventional and Islamic banks of Bangladesh. Secondary data had been the major stimulus of the research covering five year 20062010. For Islamic banks, a model estimation to predict the liquidity risk level was proven to be successful but the module failed to generate the desired result in case of the conventional banks. Moreover, net working capital in case of Conventional banks and size of the...
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... ORGANIZATIONAL DESIGN OF SQUARE PHARMACEUTICALS LTD. BASED ON 2006 - 2007 COMPANY ACTIVITIES April 20, 2008 Members of the Group Acknowledgment A single individual can achieve no noble objective. We are indebted to a number of persons for their kind advice, suggestions, directions, & co-operations which have enable us to prepare this report. First of all I would like to thank Utpual for his contribution into this report. We would like to thank Kazal Pharmacy for their suggestion and ideas. Riaheen Farzana Senior Lecturer ULAB School of Business University of Liberal Arts Bangladesh Dhanmondi, Road- 4/A Satmosjid Road, Dhaka-1209 Subject: Submission of the Report. Dear Madam, Here is the Report on Performance of Square Pharmaceuticals Ltd based on the year 2006-2007 Which we the group members studied. We have tried our best to prepare the report in consistence with the optimal standard under your valuable direction. We would be very grateful if you accept our report modestly as it may suffer from some shortcomings. We desired...
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