...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 and income of the entrepreneurs...
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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...
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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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...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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...Report No: - 01 The proposal submitted as a partial requirement of BRM course on the research Topic “Determination of customer satisfaction level of BRAC Bank Ltd.” Prepared for:- Md.Zamanur Rahman Associate Professor Faculty of Business Administration Eastern University Sec : 3 Subject Code: BUS (302) Subject Title: Business Research Methods Prepared by:- Name ID Md. Imtiazul Haque 123200002 Shubha Banik 123200098 LETTER OF TRANSMITTAL April 17, 2015 Md. Zamanur Rahman Associate Professor Faculty of Business Administration, Eastern University Subject: Submission a Report on “customers’ satisfaction level of BRAC Bank Ltd.” Dear Sir, The report at your hand is on customer satisfaction level of BRAC Bank Ltd. You assign us to prepare this report as a part of the Business Research Methods (BUS-302) course requirement. I make a short recherché to do our report. While preparing this report, I have tried to follow your instructions given in the class. I believe our report contains information help us to make a clear recognize about Promotional Management. I really enjoyed doing such a challenging assignment. If you have further queries regarding this paper, I...
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...1.0 Introduction 1.1 Origin of the Report The report has been prepared as a requirement for the completion of BBA Degree and course BUS 498, Project Work, SSM Sadrul Huda, course instructor, assigned to do an analysis report on “Promotional Activities of different private banks in Bangladesh”. For this purpose I, Mustafizur Rahman, ID – 2007-1-10-097 choose to prepare this report on Promotional Activities of 5 different private banks. The date of submission of the report is April 28, 2011. 1.2 Background Promotion is a form of corporate communication that uses various methods to reach a targeted audience with a certain message in order to achieve specific organizational objectives. Nearly all organizations, whether for-profit or not-for-profit, in all types of industries, must engage in some form of promotion. Such efforts may range from multinational firms spending large sums on securing high-profile celebrities to serve as corporate spokespersons to the owner of a one-person enterprise passing out business cards at a local businessperson’s meeting. Like most marketing decisions, an effective promotional strategy requires the marketer understand how promotion fits with other pieces of the marketing puzzle (e.g., product, distribution, pricing, target markets). Consequently, promotion decisions should be made with an appreciation for how it affects other areas of the company. 1.3 Objectives of the Study: Objectives of Marketing Promotions The most obvious objective...
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...Internship Report on “An Analysis of Financial Performance of BRAC Bank Ltd” Supervised By: Sk. Habibur Rahaman Senior Lecturer Manarat International University Prepared by: Al Sukran ID-1413MBA50346 Manarat International University Department of Business Administration Manarat International University Date of Submission: January 30, 2015 Internship Report on “An Analysis of Financial Performance of BRAC Bank Ltd” Supervised By: Sk. Habibur Rahaman Senior Lecturer Manarat International University Signature of Supervisor Prepared by: Al Sukran ID-1413MBA50346 Manarat International University Department of Business Administration Manarat International University Date of Submission: January 30, 2015 LETTER OF TRANSMITTAL January 30, 2015 To Sk. Habibur Rahaman Senior Lecturer Department of Business Administration Manarat International University Subject: Submission of Internship Report on “An Analysis of Financial Performance of BRAC Bank Ltd” Dear Sir, With due respect to state that I am AL SUKRAN, ID-1413MBA50346 is a student of Masters of Business Administration of Manarat International University. I am delighting to submit here with a copy of internship report for your kind evaluation and appreciation. I have given my best effort to prepare the report with relevant information that I have collected from BRAC BANK LTD and from other sources during my internship program....
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...Performance Evaluation of BRAe Bank Limited Internship Report On Performance Evaluation of BRAe Bank Limited Prepared for: Dr. Tanbir Ahmed Chowdhury Professor Department of Business Administration East West University Prepared by: Rezwana Sharmin Id # 2007-1-10-114 Department of Business Administration Date of Submission: 25 April, 2011 25 April, 2011 Mr. Dr. Tanbir Ahmed Chowdhury Professor Department of Business Administration, East West University. Subject: Submission of Internship Report Dear Sir, With due respect I would like to inform you that I have completed my internship program in BRAC Bank Limited, Head Office, Gulshan-l, Dhaka - 1212, and prepared my internship report titled "Performance Evaluation of BRAe Bank Limited". I am placing my internship report to you as a requirement of the BBA Program The internship program and writing this report has been a great pleasure and an extremely interesting and rewarding experience. It has enabled me to get an insight into the practical arena of Banking. Sincerely yours, Rezwana Sharmin Id # 2007-1-10-114 Acknowledgement The successful accomplishment of this Internship Report is the outcome of the contribution and involvement of a number of people, especially those who took the time to share their thoughtful guidance and suggestions to improve the report. First of all I am grateful to Almighty Allah. Then I would like to express my gratitude to my Internal Internship Supervisor Mr. Dr. Tanbir Ahmed Chowdhury, Professor...
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...INTERNSHIP REPORT ON HUMAN RESOURCES DIVISION OF BRAC BANK LIMITED Prepared for: Farhana Nur Malik Lecturer BRAC Business School BRAC University Prepared by: Shaba Mumtahena 05304010 Date of submission: September 23, 2010 BRAC University Letter Of Transmittal September 23, 2010 Farhana Nur Malik Lecturer BRAC Business School BRAC University Mohakhali, Dhaka. Subject: Submission of Internship Report. Dear Madam, This is my pleasure to present my internship report entitled “Internship Report On Human Resource Division of BRAC Bank Limited.” I have conducted my internship program in BRAC Bank Limited, Head Office, 1 Gulshan Avenue, Gulshan-1, Dhaka – 1212, under your close supervision. I believe that knowledge and experience I gathered during the internship period will be helpful in my future professional life. I will be grateful to you if you accept the report. I will be available for defense on this report any time. Your support in this regard will be highly appreciated. Thanking you. Sincerely yours’ ____________ Shaba Mumtahena ID – 05304010 Acknowledgement Completion of this report has made me grateful to a number of persons. First of all I would like to acknowledge my supervisor and teacher Farhana Nur Malik not only for giving the opportunity to prepare the report but also for providing me the opportunity to improve the report by extending the submission deadline on this semester. She was also available when I needed her...
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...INTERNSHIP REPORT ON HUMAN RESOURCES DIVISION OF BRAC BANK LIMITED Prepared for: Farhana Nur Malik Lecturer BRAC Business School BRAC University Prepared by: Shaba Mumtahena 05304010 Date of submission: September 23, 2010 BRAC University Letter Of Transmittal September 23, 2010 Farhana Nur Malik Lecturer BRAC Business School BRAC University Mohakhali, Dhaka. Subject: Submission of Internship Report. Dear Madam, This is my pleasure to present my internship report entitled “Internship Report On Human Resource Division of BRAC Bank Limited.” I have conducted my internship program in BRAC Bank Limited, Head Office, 1 Gulshan Avenue, Gulshan-1, Dhaka – 1212, under your close supervision. I believe that knowledge and experience I gathered during the internship period will be helpful in my future professional life. I will be grateful to you if you accept the report. I will be available for defense on this report any time. Your support in this regard will be highly appreciated. Thanking you. Sincerely yours’ ____________ Shaba Mumtahena ID – 05304010 Acknowledgement Completion of this report has made me grateful to a number of persons. First of all I would like to acknowledge my supervisor and teacher Farhana Nur Malik not only for giving the opportunity to prepare the report but also for providing me the opportunity to improve the report by extending the submission deadline on this semester. She was also available when I needed her...
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...manager so that we can learn a lot about the HR activities. We choose BRAC Bank as our company because BRAC Bank has one of the strongest Human Resource Departments in the banking industry. And all the credit of their current performance in the banking sector goes to the “People” of the organization which are selected and retained by the HR department. In this report we will be discussing mainly about the Human Resource activities such as recruitment, selection, orientation, training and compensation procedures of BRAC Bank. Since the bank deals with different type of employees in different level of the organization it is almost impossible to discuss everything. That’s why we have decided to focus mainly on HR activities regarding the entry level positions of BRAC Bank. But we will also try to discuss some of the other positions as well but very vaguely. Page 1 of 36 BRAC BANK- Company Background Brac Bank is one of renowned private commercial bank in Bangladesh. It established in Bangladesh under the Banking Companies Act, 1991 and incorporated as private limited company on 20 May 1999 under the Companies Act, 1994. And it started its banking journey on July 04, 2001. BRAC Bank Limited is an affiliate of BRAC (Bangladesh Rural Advancement Committee), one of the largest NGO of Bangladesh which was founded by Fazle Hasan Abed in 1972. According to the company website, BRAC Bank Limited is a pioneer in SME Banking, delivers a full array of banking services to individuals as...
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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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...------------------------------------------------- MGT-210 BRAC BANK Developed For: Ms. Nasira Siddika (NSd) Sec: 10 Date of Submission: 06/08/2010 NORTH SOUTH UNIVERSITY Developed By: Group Members To complete our project, first of all our team is very grateful to Almighty Allah for the hard work, dedication, team effort and patience we put to finish our project work on time. The team would like to thank the official website of ‘BRAC Bank’ from where we took the information, some of our relatives, friends and the respected officials of the bank who had helped us a lot by providing necessary information to complete the project successfully. Information on their site helped and supported us a lot and without it we could not complete the project properly. We also like to thank our team members as all of them devoted their full support and cooperation and gave valuable time to the project work. Finally we are very grateful to our course instructor “Ms. Nasira Siddika” who inspired and suggested us to do the project, and helped us in every possible way. The team is very thankful to her and honors to have “Ms. Nasira Siddika” as an instructor. August 06, 2010 Ms. Nasira Siddika (NSd) Faculty Member, School of Business North South University Sub: Letter of Transmittal Respected Mam, It is indeed a great pleasure to have the opportunity to submit the project paper. We have prepared this project...
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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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...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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