...An Internship report submitted in partial fulfillment of the requirement for the degree of MASTER OF BUSINESS ADMINISTRATION Topic: “General Banking & Customer Service of Agrani Bank Limited” Prepared Under the Supervision of Mr. Tareq Mahbub Assistant Professor MBA Program BRAC Business School Prepared by MOHAMMAD ANOWAR JAHAN ID-11164044 MBA (Major in Marketing) Semester-Spring’2014 Submitted on 06 July 2014 LETTER OF TRANSMITTAL July 06, 2014 Mr.Tareq Mahbub Assistant Professor BRAC Business School BRAC University. Sub: Submission of Internship Report on “General Banking & Customer Service of Agrani Bank Limited” Dear Sir, This is my internship report on “General Banking & Customer Service of Agrani Bank Limited”. I am submitting this report as the part of fulfilling my MBA degree. In case of preparing this report, I tried my best to make the report informative and to follow your instructions as well as the instructions given by my organization supervisor. The full report is based on my practical experience in Agrani Bank Pr inc ipal Branch. I have found the experience quite interesting and the guidance of my supervisors and with the help of all the members of all the departments. I have tried my level best to prepare an effective report. Consequently, I am transmitting this report to your very concern. Hopefully, you will discover the report informative approach as a hallmark of my hard work. In case of any further clarification or elaboration regarding this report...
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...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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...General Banking Function of a Public Bank A study on Agrani Bank Limited (ABL) An Internship report submitted in partial fulfillment of the requirement for the degree of BACHELOR OF BUSINESS ADMINISTRATION Prepared Under the Supervision of SaminaHaque Lecturer BRACBusinessSchool BRACUniversity Prepared By Md. Samiul Islam ID-05104119 Semester-Fall’2011 BRACBusinessSchool BRACUniversity SUBMISSION DATE-19 JANUARY, 2012 Letter of transmittal January 19, 20111 To SaminaHaque Lecturer BRACBusinessSchool BRACUniversity Subject: Submission of Internship Report Dear Ms. SaminaHaque: I am very much grateful to you for presenting herewith the Internship Report, as partial fulfillment of the Bachelor of Business Administration [BBA] program requirement. It is really an enormous prospect for me to congregate vast information and grasp the subject matter in an appropriate way. The report gave me the opportunity to know the practical implication of “General banking function of a public bank” An attempt has been made in this report to identify the financial management techniques followed by the Agrani Bank Limited and problems facing when implemented. I have tried my best to fulfill the requirements of this report. I am not anticipating that my analysis will assist you to provide a clear idea about ongoing activities of Agrani Bank Ltd. but you will find this report praiseworthy as I have put my best effort and labor on it. I am extremely obliged to you for your valuable...
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...An Internship report submitted in partial fulfillment of the requirement for the degree of MASTER OF BUSINESS ADMINISTRATION Topic: “General Banking & Customer Service of Agrani Bank Limited” Prepared Under the Supervision of Mr. Tareq Mahbub Assistant Professor MBA Program BRAC Business School Prepared by MOHAMMAD ANOWAR JAHAN ID-11164044 MBA (Major in Marketing) Semester-Spring’2014 Submitted on 06 July 2014 LETTER OF TRANSMITTAL July 06, 2014 Mr.Tareq Mahbub Assistant Professor BRAC Business School BRAC University. Sub: Submission of Internship Report on “General Banking & Customer Service of Agrani Bank Limited” Dear Sir, This is my internship report on “General Banking & Customer Service of Agrani Bank Limited”. I am submitting this report as the part of fulfilling my MBA degree. In case of preparing this report, I tried my best to make the report informative and to follow your instructions as well as the instructions given by my organization supervisor. The full report is based on my practical experience in Agrani Bank Pr inc ipal Branch. I have found the experience quite interesting and the guidance of my supervisors and with the help of all the members of all the departments. I have tried my level best to prepare an effective report. Consequently, I am transmitting this report to your very concern. Hopefully, you will discover the report informative approach as a hallmark of my hard work. In case of any further clarification or elaboration...
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...Job Satisfaction A suervey among employees of Agrani Bank Limited A report submitted to the Department of Business Administration, AIUB, in part-fulfillment of the requirements of the final term examination in Introduction to behavioral science Fall semester 2011-12 Prepared & submitted by Ghosh, Sanjoy Abstract Job satisfaction describes how content an individual is with his /her job. The happier people are within their job, the more satisfied they are said to be. Job satisfaction is not the same as motivation or aptitude, although it is clearly linked. Job design aims to enhance job satisfaction and performance, methods include job rotation, job enlargement, job enrichment and job re-engineering. This report studies on job satisfaction among employees of Agrani Bank limited. For this report we have taken many eight interviews by face-to-face (primary source of data) and we also collect our information from internet (secondary source of data). . Several limitation regarding job satisfaction and how employees react about job satisfaction and what they want for satisfying are also highlighted in this report. This report also provides information regarding salary, position, working condition, work environment and so on. The study experiments on a group of people concerning their job satisfaction. Acknowledgment First and foremost, we would like to thank to our course instructor of this Introduction to behavioral science course Lec. RAHMAN, RASHNA TASNEEM...
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...Executive Summary: Agrani Bank Limited (ABL) is established in 1972. It is a state owned bank. It is formed by the composition of ex-Habib Bank ltd and ex-Commerce Bank ltd. There are six section of ABL (Senpara branch) in GB- Cash, computer, account opening, clearing, Accounts and local remittance. The report indicates depth ratio analysis and financial performance of the year 2009, 2008, 2007 of Agrani Bank Limited. Here also calculate financial ratios like Liquidity, Asset Management, debt Management, Profitability, Market Value. Calculate these ratios for strong analysis and try to give a current and essential recommendation. Chapter -1 Introduction Background of the study: Agrani Bank Limited (ABL) is established in 1972. It is a state owned bank. It is formed by the composition of ex-Habib Bank ltd and ex-Commerce Bank ltd. Agrani Bank Limited is a Bank with an Authorized Capital and Paid-up Capital of Tk.800.00 million and Tk.248.00 million respectively. The total equity of the bank stands at 725.00 million as of December, 2010. The total profit of last year is about Tk.680.00 million . There are about 867 branches in which 10 branches are corporate. There are about 341 town branches and 526 rural branches. The board of directors is consisted of 11 members. The Chairmen and Directors are nominated by government. There are six section of ABL (senpara branch) – Cash, computer, account opening, clearing, Accounts and local remittance. Cash section receive...
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...ASA University Review, Vol. 6 No. 1, January–June, 2012 Fund Management Practices of the Selected Nationalized Commercial Banks in Bangladesh Vhokto Kumar Biswas* Kartik Chandra Mondal** Abstract Fund management of commercial bank is a significant issue for its growth and stability. The unusual difference between cost of fund and return on fund is alarming for the financial health of any commercial bank. The major objective of the study is to know the position of fund management, profitability, growth, stability, and productivity trends of Janata Bank Ltd and Agrani Bank Ltd during the period of 2000-2009 and 2004-2008 respectively. Here the secondary data are used. In fund management practices, the banks are not in a good position due to heavy stuck up advances, low recovery rates, excessive over dues, and outstanding advances. The management of the banks is alert enough to overcome this odd situation. The recent financial reforms introduced by the Ministry of Finance and Bangladesh Bank have improved the situation. The overall profitability, productivity, and stability of the banks are increasingly improving trough the application of modern fund management techniques. Key Words: Efficiency, stability, liquidity, profitability, productivity, growth rate, fund management. Introduction Banking system as a whole plays an important role in the economy of a country irrespective of its level of development. Bangladesh as one of the poorest countries in the world, no exception to...
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...Bangladesh Central bank: * Bangladesh bank Schedule bank: State-owned commercial banks: State-owned are functioning as nationalist. Here is the list - 1. Sonali Bank Limited 2. Janata Bank Limited 3. Agrani Bank Limited 4. Rupali Bank Limited Private commercial banks(PCB): * Conventional private bank 1. AB Bank Limited 2. Bangladesh Commerce Bank Limited 3. Bank Asia Limited 4. BRAC Bank Limited 5. Dhaka Bank Limited 6. Dutch Bangla Bank Limited 7. Eastern Bank Limited 8. IFIC Bank Limited 9. Jamuna Bank Limited 10. Meghna Bank Limited 11. Mercantile Bank Limited 12. Midland Bank Limited 13. Modhumoti Bank Limited 14. Mutual Trust Bank Limited 15. National Bank Limited 16. NCC Bank Limited 17. NRB Bank Limited 18. NRB Commercial Bank Limited 19. NRB Global Bank Limited 20. One Bank Limited 21. Prime Bank Limited 22. Pubali Bank Limited 23. South Bangla Agriculture and Commerce Bank Limited 24. Southeast Bank Limited 25. Standard Bank Limited 26. The City Bank Limited 27. The Farmers Bank Limited 28. The Premier Bank Limited 29. Trust Bank Limited 30. United Commercial Bank Limited 31. Uttara Bank Limited * Islamic private bank: 1. Al-Arafah Islami Bank Limited 2. Export Import Bank of Bangladesh Limited 3. First Security Islami Bank Limited 4. ICB Islamic Bank Limited 5. Islami Bank Bangladesh Limited 6. Shahjalal islami Bank Limited 7. Social...
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...Letter of Transmittal May 09, 2015 Assistant Prof. Bushra Ferdousi Faculty of Business Studies Dhaka International University. Subject: Submission of Project Report. Dear Madam, With great pleasure for me to submit the Project report on “Performance Analysis between Agrani Bank Limited & Sonali Bank Limited”. This Project Report was conducted by me as fulfillment of the MBA program. This Project report will definitely give me an exceptional experience that will be useful in the future on practical ground. In preparing this report, I had limitation of time and insufficient data about the topic. Therefore, you would be kind enough to accept the report considering limitations. For your kind Evaluation & Consideration. Sincerely Yours, ________________ Ashraful Alam Rony Roll no-16, Batch-31st (A) Regn no.-270476, Session 2012-2013 Program: RMBA (1 Year) Major in Finance & Banking Faculty of Business Studies Dhaka International University Student’s Declaration This project report was prepared by using primary & secondary data. The data were analyzed by using Microsoft office program. I want to declare with utmost faith & integrate that all data information provided in this project report are true. No fabrications in the given data were made by me. This project report prepared within three months of research experiment....
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...Financial Ratio Analysis of Five commercial Bank Rational of the Study: As my title is ratio analysis, which will focus the financial, market and debt condition of the particular bank. This analysis determines the how the financial condition can change and how to fix that condition. It is important to know about ratio analysis; it is based on line items in financial statements like the balance sheet, the ratios of one item or a combination of items to another item. Ratio analysis is used to evaluate various aspects of a company’s operating and financial performance such as its efficiency, liquidity, profitability, and solvency. Ratios are also compared across different companies in the same sector to see how they stack up, and to get an idea of comparative valuations. Through this research it will be apparently shown that how the bank’s financial condition. I have choose five commercial bank they are as follow- * Islami Bank Bangladesh Ltd (IBBL): Islami Bank Bangladesh Limited is a Joint Venture Public Limited Company engaged in commercial banking business based on Islamic Shari'ah with 63.09% foreign shareholding having largest branch network ( total 286 Branches) among the private sector Banks in Bangladesh. It was established on the 13th March 1983 as the first Islamic Bank in the South East Asia. It is listed with Dhaka Stock Exchange Ltd. and Chittagong Stock Exchange Ltd. Authorized Capital of the Bank is Tk. 20,000.00 Million and Paid-up Capital is Tk. 14,636.28...
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...SAMPLE QUESTIONNAIRE ON CUSTOMER SATISFACTION IN BANKS Good Morning / Good Afternoon, I am Chayan Kumar Ghosh doing my Internship in Agrani Bank Ltd. I have to submit a report as a part of my Internship program and for that I am conducting a survey on Agrani Bank customers. I would be glad and grateful if you help me in the process through answering some of the survey questions. 1.1. Name (Optional): Occupation (Optional): Annual Income (Optional): CUSTOMER SERVICE REPRESENTATIVES/TELLERS |2.1. |In terms of the service you received from the customer service representatives/tellers, how satisfied were you with the following? | | | | | |Very satisfied | | |Satisfied | | |Neutral | | |Dissatisfied | | |Very dissatisfied ...
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...What do you mean by Bank? There is no unanimous opinion as to when and how the word “Bank” was derived. But it is assumed that this word derived from the ancient Latin words “Banco”, “Bangk”, “Bancus” and “Banque”. Meaning of these words is long bench. Once a class of people used to sit in the bench particularly in Lombardy street of Italy for taking deposit and lending money as a banking business. Definition of Bank: ➢ Different authors have defined the “Bank” in different ways with a common principle to accept deposit from the public and lending the same to the borrowers. ➢ Some important definitions are: ➢ “A bank is an establishment which trades in money, and establishment for deposit custody and issue of money, and also for granting loan and discounting bills and facilitating transmission of remittances from one place top another” …... from Imperial Dictionary. ➢ “An organization through which funds in the form of money or claim to money are assembled and transferred from those individuals and firms having a surplus of economic goods(as represented by such funds) to other individuals & firm whose needs for funds exceed their existing supply”..... from Rollin G. Thomas. ➢ “Banking" means the accepting, for the purpose of lending or investment, of deposits of money from the public, repayable on demand or otherwise, and withdraw able by cheque, draft, order or otherwise. ……………. from The Bank Company Act, 1991. Banker: ...
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...in Bangladesh The Financial sector in Bangladesh includes the Ministry of Finance, Bangladesh Bank (the Central Bank), Scheduled Banks various Cooperative Banks, Non-Banking Financial Institutions, Micro Finance Institutions (MFIs), Insurance Companies, Credit Trading Agencies and Stock Exchange. 2 Brief Sketch of Banking System in Bangladesh Finance Division Bangladesh Bank (Central bank) SOCBs PCBs FCBs SOSCB NBFIs • SOCB- State owned Commercial Bank • • • • (4 nos.) PCB- Private Commercial Bank (30 nos.) FCB- Foreign Commercial Bank (9 nos.) SCB- Specialized Commercial Bank (5 nos) NBFI- Non Banking financial Institution (29 nos) 3 The Product/Services that are offered by the Banks • Traditional Product & Services : In Bangladesh, the Banking system uses various instruments for making payment and transactions, such as cash, cheque, bill of exchange, promissory note, demand draft, payment order and other services including mail transfer and telegraphic transfer. • Loan Products that are given for economic purposes: Consumer Loan, Micro Credit, Terms Lending i.e. Project and Infrastructure, Housing Loan, Cash Credit and Overdraft etc. In addition to this, SME Lending are also been given much of the priorities. • Modern and innovative technology given products, popularly known as plastic money: Debit, Credit and other ATM Cards. • Currently, Banks are also giving emphasis on improving their transaction capabilities through ATM, POS (Point of...
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...------------------------------------------------- Financial System of Bangladesh The Financial System is a set of institutional arrangement through which surplus units transfer their fund to deficit units. At present the financial system in Bangladesh is mainly composed of two types of institutions like banks and non-bank financial institution (NBFIs). The formal financial sector in Bangladesh includes: (a) Bangladesh Bank as the central bank, (b) 48 commercial banks, including 4 Government owned commercial banks, 30 domestic private banks (PCBs) (of which 6 banks are operating under Islamic Shariah), 9 foreign banks (FCBs) (of which 1 bank is operating as Islamic bank); and 5 government-owned specialized banks (DFIs); (c) 28 non-bank financial institutions (NBFIs) – licensed by the Bangladesh Bank); (d) 2 large government- owned insurance companies (life and general) and 60 private owned (17 life and 43 general) insurance companies; (e) 2 stock exchanges and, (f) some co-operative banks. Besides, a good number of semi-formal micro finance institutions (MFIs) also are operating in Bangladesh. Structure of Financial System: The main constituents of financial system are : i) Financial Institutions ii) Financial Instruments, and iii) Financial Markets. Financial Institutions The modern name of Financial Institution is Financial Intermediary (FI), because it mediates or stand between ultimate borrowers and ultimate lenders and helps transfer funds from one to another...
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...B of BANGLADESH A N G L A D E S H R E S E A R C H The State of Bangladesh Debt Market A u g u s t 0 6 , 2 0 0 1 ™ End June 2000 Bank Deposits, 72.19% Tk 749.32 billion Debt Market, 27.81% Tk 288.64 billion Government, 99.64% Tk 287.60 billion Treasury bills, 26.58% Tk 76.45 billion Treasury bonds, 13.91% Tk 40.01 billion Savings schemes, 59.28%Tk 170.48 billion ™ Private, 0.36% Effective Yield Tk 1.04 billion 8.63% 7.02% 11.49% 16.58% 7.26% 13.98% The financial sector of Bangladesh is characterized by strong presence of commercial banks, especially state-owned ones. Most of the available funds are bagged by the banks in the form of deposits and channeled for investment through lending. However, they have a substantial bad loan portfolio. Especially Nationalized Commercial Banks (NCBs), receiving the largest pool of funds from general depositors, are suffering from the problem, which has taken a deep root. The dominance of banks, with their huge bad loan portfolios and non-transferability of most of the debt/savings instruments are regarded as the prime hindrance in the development of a debt market per se. Lack of institutions with expertise in debt products, not so high credibility of the corporate borrowers, and absence of any credit rating agency, have been discouraging factors. It is our view at AIMS that the spectrum of financial products available in the developed market could be tailored to match...
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