...banking education. This report is originated as the academic requirement of the BBA program under the Business Administration Department of DHAKA CITY COLLEGE. Under this program student have to participate in internship program of three month duration toward the fulfillment of the Degree. As practical orientation is an integral part of the BBA degree requirement, I was sent by the department to AB Bank Limited to take real life exposure of the activities of financial institutions. The Human Resource Division of ABBL arranges my internship program at Islampur Branch from December 26, 2010 to March 26, 2011. At the end of the internship period the student have to prepare a report on the organization and this report titled “Loans & Advances and SME sector of AB Bank Limited” is the outcome of my three months practical knowledge at AB Bank Limited. Rationale of the Study Theoretical knowledge is not enough for a student. There is a gap between theoretical knowledge and practical field. So, these two should be synchronized. Our internship program is launched mainly for this purpose. The practical orientation program in banks enable a student to take a closer look at “WHAT” a bank does and “HOW”. Another purpose that may be is to know about the rules, regulation, and organization environment before getting a job....
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...Organization Consulting Project (O.C.P) On SME Banking of BRAC Bank Limited Submitted by : Nishat Farhana Matric No- B061409 22 Batch, BBA Submitted to : Kazi Farzana Lecturer in Management, IIUC,DC. Department of Business Administration International Islamic University Chittagong Date of Submission:12-12-2010 DECLARATION This is to notify that this presented report titled "SME Banking of BRAC Bank Ltd." is written as a requirement of Ocp. I also confirm that this report is prepared solely for the academic requirement and not for any other purposes and for the use of any other party. Signature ........................... Nishat Farhana Matricno.:B061409 Program: BBA, Batch: 22B 1, Major in Marketing Department of Business Administration, International Islamic University Chittagong, Dhaka Campus. Letter of Submission Dated: December 12, 2010 To, The Head, Department of Business Administration, International Islamic University Chittagong, Dhaka Campus. Subject: Submission of research report based on“SME BANKING OF BRAC BANK LTD” Dear Sir, It is very pleasure & opportunity to submit my research report on “SME BANKING OF BRAC BANK LTD”-a study of BRAC BANK Limited. As per my organizations requirement & supervisor’s suggestion and guidance, I have tried my best to make the report effective and standard. I have closely studied the operations & functioning of the company. Still if there is any room for further clarification...
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...Submitted By Nasrin Akter ID: 082011081 Sadia Afrin ID: 082011094 Tanzila Islam ID: 082011086 Tasniya Hoque ID: 082011085 Submitted to Shahriar Kabir Lecturer Financial Markets and Institutions ULAB 12/28/2011 Department: USB Section: 01 Islamic banking system Letter of Transmittal December 28, 2011 Shahriar Kabir Lecturer Financial Markets and Institutions ULAB Subject: Request to Accept Term Paper regarding “Islamic Banking System” Dear Sir, We are very pleased to submit the term paper on “Islamic Banking System”. We were assigned to prepare and submit this term paper as the partial fulfillment of the course Financial Markets and Institutions (Course Code: Bus 421). We have tried our best to prepare this term paper perfectly. Nevertheless, this paper has been suffered by time and other resource limitation. We will be obliged, if you kindly accept this term paper. We are ready to make you clear regarding any confusion or further clarification from this term paper. Sincerely yours, Nasrin Akter (On the behalf of all the group members) Table of contain ...
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...When Bangladesh came into existence on the 16th December, 1971, the banking sector of Bangladesh was in a total disarray. With the exception of two local banks incorporated in then East Pakistan, all the bigger local banks became in operational. Starting with such a humble condition, the Banking Sector of Bangladesh has grown to a great extent. The banking industry in Bangladesh has flourished over the years, making double-digit profit percentages, sustaining growth and surviving cut-throat competition while providing attractive returns to shareholders. The number of banks in all now stands at 49 in Bangladesh. Out of the 49 banks, four are Nationalized Commercial Banks (NCBs), 28 local private commercial banks, 12 foreign banks and the rest five are Development Financial Institutions (DFIs). Sonali Bank is the largest among the NCBs while Pubali is leading in the private ones. Among the 12 foreign banks, Standard Chartered has become the largest in the country. The number of total branches of all scheduled banks is 6,038 as of June 2000. Of the branches, 39.95 per cent (2,412) are located in the urban areas and 60.05 per cent (3,626) in the rural areas. Of the branches NCBs hold 3,616, private commercial banks 1,214, foreign banks 31 and specialized banks 1,177. [pic] Janata Bank is a state-owned commercial bank of Bangladesh established in 1971. Its headquarter is situated at Motijheel in Dhaka, the capital city of Bangladesh. Immediately after the emergence of Bangladesh...
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...Financial Markets C h a p t e r - 6 59 helped to keep the money market sound and stable during the financial year 2008. A number of steps were taken for activation of secondary trading in treasury bills/bonds. As a result, the overall money market situation was moderate during FY08. Developments in the money market during FY08 are summarized below: Call Money Market 6.3 The volume of transactions in the call money market depicted a mixed trend during FY08 (Table 6.1) reflecting some brisk activities in the money market particularly during the second quarter of the year. It remained sluggish 6.1 A healthy, transparent and dynamically evolving financial system helps mobilize savings and allocate resources, ensure safe and efficient payment and settlement arrangements and ease financial crisis management. Efforts continued in FY08 to establish a healthy and transparent financial system in the country. In addition to the challenges emanating from the internal and external shocks that affected the real sector, there were signs of strain both in the interbank call market and forex market. Volatility in these two markets was tamed through repo operation and intervention by the Bangladesh Bank. Money Market 6.2 Money market, the important segment of financial market that basically channelizes the short term fund in the country was quite active and vibrant with the participation of both banks and non-bank financial institutions during FY08. The...
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...Intern Report On Customer Service analysis with the overview of marketing and promotional activities of BRAC BANK LTD. SUBMITTED TO 1. Mr. SUNTU KUMAR GHOSH SENIOR LECTURER BBS BRAC UNIVRESITY 2. Ms. Sharmin Shabnam Rahman Lecturer BBS Brac University SUBMITTED BY JOYDEEP SINHA ROY 06304025 DATE OF SUBMISSION: 11th MAY, 2010 LETTER OF TRANSMITTAL 11th May, 2010 To Mr.Suntu Kumar Ghosh Senior Lecturer Brac University Subject: Internship Report submission Dear Sir, With due respect, I have the pleasure to submit my internship report on “Customer Service analysis with the overview of marketing and promotional activities” to partially fulfill the requirements of the bachelor degree under your supervision. It has been a worthwhile experience for me undertaking such a report work to get exposure to the real life of a banking organization. I have tried my best to satisfy the academic requirements. In my report, I have tried to reflect a partial scenario of the activities of local private banks of Bangladesh. I have used both primary and secondary data and have tried to prepare the according to your instructions. I also confess that this report has some limitations as well because I got limited resources. So I hope that you will be kind enough to...
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...1.1 Background of the Study : The report is a dynamic approach for practical knowledge gathered at this study. My effort was for practical experience through report prepared on for business communication skills as well as banking sectors particularly in portfolio investment. Financial market has turned into a buyer's market. Banks are also changing with time and trying to become one-stop financial super market. As a student of BBA Honors for the requirement of the report preparation, I was assigned to the BRAC Bank Ltd. for my practical orientation. The information regarding this report has been collected from BRAC Bank Ltd. believe the report will provide me necessary knowledge to work in the banking sector and help me to build a flourish career. Because of the inherence importance of Investment Policies, Procedures, and Practices for a Bank perspective and because of my academic matching, I was inserted to undergo with Investment Policy, Procedures, and Practices of BRAC Bank Ltd. Jessore Branch, jessore. Investment is the most important asset as well as the primary source of earning for the banking financial institutions. On the other hand, this Investment is also the major source of risk for the bank management. A prudent bank management should always try to make an appropriate balance between its return and risk involved with the Investment portfolio. An unregulated banking financial institution might be fraught with unmanageable risks for maximizing its potential...
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...A PROJECT REPORT ON ANALYSIS OF MERCHANT BANKING IN INDIA SUBMITTED TO:Ms. Kavya Saini Submitted by:Kapil Baheti MBA 08/1808 2010 2012 A PROJECT REPORT ON ANALYSIS OF MERCHANT BANKING IN INDIA Department of commerce, kurukshetra University Kurukshetra ( Haryana) Under The Supervision Of :Mrs. Kavya Saini Submitted by:Kapil Baheti ] A PROJECT REPORT ON ³ANALYSIS OF MERCHANT BANKING IN INDIA´ Under The Supervision Of: - Submitted by:- Mrs. Kavya mam Kapil Baheti SUBMITTED TO:- International School of Infomatics & Management CONTENTS Sr.No. Page No. y y y y Chapter I Preface Guide Certificate Declaration Acknowledgement Introduction (Conceptual Framework) y y y y y Chapter II Chapter III Introduction Significance of the study Merchant Banking in India Focus of the Study Conceptualization literature Review Objective &Methodology y y y y Objective of the study Research design Sample size & Technique Data collection (Primary & Secondary) Chapter IV Data Presentation & Analysis Chapter V Implications & Conclusions Chapter VI Bibliography PREFACE The research studies are of a great help in enhancing the knowledge of a person. Practical knowledge is a suffix to theoretical knowledge. Classroom lecturers clarify the fundamental concepts of management. But classroom lectures must be correlated with the practical research situation. It is...
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...1.0 Introduction: BBA is one of the most commendable professional degrees.The main objectives of BBA degreeis to provide the students with the prectical aspect of academic learning to the organizational setting. For the attainment of the purpose curriculum and syllabus is designed in a manner so that student are facilitated to have particular or empirical working experience to some extent. Inclusion of internship is a proof of one of the attempts. I am a student of Leading University, Sylhet. In BBA, my major subject is Accounting and Finance. For that consequence, I am performing my internship in banking sector and the organization is the SJIB in this regard. I selected the research topic as “ Overview of Banking Operations in Shahjalal Islamic Bank”. 1.1 Objective of the study: • The difference between Islamic and Conventional banking system • Overview and analysis of SJIBL • Overview of the Islamic Banking industry in Bangladesh • Concept of Islamic Banking 1.2 Source of Information: • Primary source : The primary source of information was gathered from the practical working experience during the internship period. • Secondary information : The secondary information was gathered from Bank’s Annual Reports, Manuals, Guidelines and Internet etc. 1.3 Scope of the study: This project has stipulated its analysis to the Islamic Banking system in Bangladesh only. Mainly SJIBL has been discussed here to understand the Islamic banking system. The study also...
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...BDO UNIBANK Inc. Personal: eBanking- online, mobile, atm and phone banking => Bank easy. Bank secure. Bank-on-the-go with BDO. BDO Electronic Banking suits your lifestyle and empowers you to get ahead. It is the fastest, safest, and easiest way to keep track of your finances anytime, anywhere through your personal gadgets i.e. PCs, laptops, tablets, and smartphones. You don't have to wait in line or plan your day around the bank hours as BDO Electronic Banking gives you complete control over your banking needs on demand. Accounts – peso savings, checking- automatic transfer facility, us dollar savings, third currency savings account- time deposit, debit card, cash card and visa travel money card. =>The best way to start. Flexibility that makes a difference in your deposit accounts. Savings and checking accounts are the most basic banking products and all these are offered by BDO. But, did you know that BDO also has customized deposit accounts that have the flexibility to make the most of your money, whatever your stage in life? Throughout these life stages, you will have different needs. As a parent, you would want your children to learn the value of money and how to manage it wisely. As a retiree, you would want to enjoy perks that reward you for your years of hard work. Whether you are single with a career, married with kids, working as an OFW or empty nesting, BDO has a variety of deposit accounts tailor fit to your needs. What’s more, our extended banking hours...
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...providing an overall analysis of the repayment behavior of the SME loan borrowers of Brac Bank Limited. Before going to the analysis, it is mandatory to know something about the organization, its core products that it offers to its customers; about the SME loan, its classifications and the whole of its process starting from loan sanction to recovery and closing of the loan. That’s why, first of all, I made an overview of the organization, BRAC bank Limited, where I had completed my internship program. Here I tried to focus the bank’s history of origination, its mission and vision, major departments and business units and major products and services. Then I said something about Asset Operations Department, the department where I was to perform my job responsibility. SME is the next section where I gave my concentration. Here I focused on the terms and conditions of giving SME loan, enterprise selection criteria and documentation. Then talked about the procedure of SME loan where I delineated the sanction, disbursement, repayment and closing of SME loan. After talking about the whole process of SME loan, I made an attempt to analyze the repayment behavior of SME loan borrowers. For this end in view, I have collected information about 20 SME borrowers. Then I have chosen eight major variables which have an impact on the recovery rate of SME loan. That is, these are the variables which may change the repayment behavior of SME borrowers. I found some significant variable like age, experience...
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...Chapter 1: Introduction SME finance is the funding of small and medium sized enterprises, and represents a major function of the general business finance market – in which capital for different types of firms are supplied, acquired, and costed or priced. Capital is supplied through the business finance market in the form of bank loans and overdrafts; leasing and hire-purchase arrangements; equity/corporate bond issues; venture capital or private equity; and asset-based finance such as factoring and invoice discounting. Small & Medium Enterprises, commonly known as SMEs, are relating to three types of sectors,( Service, Business & Industry ) typically labor intensive industries with relatively low capital intensity. For a country like Bangladesh where labor is abundant and capital scarce, SME plays a significant role in employment generation, poverty reduction and overall economic growth of our country. SMEs may not always have the same access to banks and financial institutions as larger firms. Banks are reluctant to expand their SME credit portfolio because lending to SMEs was not considered to be attractive and profitable undertaking. SMEs are regarded as high risk borrowers because of their low capitalization, insufficient assets and inability to comply with collateral requirements of the banks. Administrative costs are also higher because of close monitoring and supervision and credit management of the SME portfolio. Despite all these facts, banks and financial institutions...
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...Underwriter When companies are trying to sell securities, they have the option to sell directly to you or to sell the securities through programs, however majority of the sales are executed through investment bankers. An investment banker is serves as a middleman to channel the money from investors to firms and governments that need the funds. Investment bankers, when being the middleman, they are able to help bring together individuals with funds to invest and firms that need financing. They are able to save the company in question time and money by identifying risks associated with a project before the company moves forward. They have a finger on the pulse of the current investing climate, so the businesses turn to them for advice on how best to plan their development. They assist with pricing financial instruments so as to maximize revenue and with navigating regulatory requirements. A few examples would include investment bankers that work for are JP Morgan (JPM) and Bank of America Merrill Lynch (BAC). The role of an underwriter is that they work closely with the issuing body to determine the offering price of the securities, buys them form the issuer, and sells them to investors via the underwriter’s distribution network. Underwriters generally receive underwriting fees from their issuing clients, but they can also usually earn profits when selling the underwritten shares to investors. They assume the responsibility of distributing a securities issue to public and if...
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...Chapter: 1 SME Financing in Bangladesh We have come across many definitions of SMEs in Bangladesh. According to the Industrial Policy document from the Ministry of Industries, a small enterprise is defined as a registered enterprise with less than 50 workers, excluding the cottage units, and with a fixed capital investment of less than BDT 100 million. A medium enterprise is defined as a registered enterprise with between 50 and 99 workers, and/or with a fixed capital investment between BDT 100 million and BDT 300 million. The PCBs (Private Commercial Banks) seem to have various definitions based on loan components. The small-scale segment is in general defined as enterprises with a loan component between BDT 300,000 and BDT 10 million (between USD 5,500 and USD 185,000). Medium companies are said to have a loan component between BDT 10 million and BDT 100 million (between USD 185,000 and USD 1.85 million). Under yet another definition the World Bank estimates that Bangladesh has approximately 27,000 medium-scaled enterprises (here defined by the Government of Bangladesh as registered enterprises with assets larger than USD 600,000 equivalent) and 150,000 small-scale enterprises (registered enterprises with assets of less than USD 600,000 equivalent). The small and medium scale enterprises (SMEs) are mainly found within the industry and services sector. In Bangladesh, the SMEs account for about 45 percent of manufacturing value addition, 80 percent of industrial employment...
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...Guide on Access to Finance GUIDE ON ACCESS TO FINANCE Financial services and tools available in Egypt supported by the Center for International Private Enterprise (CIPE) Sponsors PANTONE 202 U C:0 PANTONE 188 C M :100 Y : 65 K : 47 C:0 M : 79 Y : 65 K : 47 PANTONE Cool Gray 10 U PANTONE Cool Gray 10 C C:0 C:0 M:0 Y:0 K : 72 M:0 Y:0 K : 72 Guide on Access to Finance ! The Egyptian Junior Business Association (EJB) is a nongovernmental organization, established in 1999 and formally registered in 2000 with a vision to become the “association of first choice among Egyptian Junior Business people who are committed to the development of a culture of Excellence, Ethics and Public Service” and a mission to “Provide a platform for dynamic business people to affect a positive business environment through Business Development & Social Responsibility promoting a culture of excellence & business ethics.” The Center for International Private Enterprise is a non-profit affiliate of the U.S. Chamber of Commerce and one of the four core institutes of the National Endowment for Democracy. CIPE has supported more than 1,000 local initiatives in over 100 developing countries, involving the private sector in policy advocacy and institutional reform, improving governance, and building understanding of market-based democratic systems. CIPE provides management assistance, practical experience, and financial...
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