...task. Credit risk management needs to be a robust process that enables Financial Institution s to proactively manage facility portfolios in order to minimize losses and earn an acceptable level of return for shareholders. Credit risk is most simply defined as the potential that a bank borrower or counterparty will fail to meet its obligations in accordance with agreed terms. The goal of credit risk management is to maximize a bank's risk-adjusted rate of return by maintaining credit risk exposure within acceptable parameters. Banks need to manage the credit risk inherent in the entire portfolio as well as the risk in individual credits or transactions. Banks should also consider the relationships between credit risk and other risks. The effective management of credit risk is a critical component of a comprehensive approach to risk management and essential to the long-term success of any banking organization. Prime Bank primarily lends for trade finance although some amount of project financing is also undertaken. The bank has generally maintained a conservative approach towards lending and management claims that their credit appraisal process is more stringent than that of its local peers. The Prime bank follows a two-tier credit screening process: the branch prepares a credit proposal and sends it to the Head Office, where the credit officers analyze the business...
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...BRAC University Internship Report on “Financial Performance Analysis of Prime Bank Limited” (2008-2012) Supervised by Tasneema Afrin Lecturer BRAC Business School BRAC University Submitted by Srabanti Singha ID: 09304035 Date of submission: May 30th 2013 Letter of Transmittal May 30, 2013 Tasneema Afrin Lecturer BRAC Business School BRAC University Subject: Submission of internship report on “Financial statement analysis of “Prime Bank Limited” from year 2007-2011. Dear Madam . I am highly delighted to submit the internship report of my three months long internship program in Prime Bank Limited at Banani Branch. The title of the report is “Financial Performance Analysis of Prime Bank Limited (2008-2012)”. This report has been prepared to fulfill the requirement of the internship program in Prime Bank Limited. It has been an interesting and very enlightening experience for me to work in Prime Bank Limited- Banani Branch. I have tried my level best to reflect my three months long work experience in this report and also tried to make this report a successful one. I would like to express my sincere gratitude to you for your kind guidance & suggestions in preparing the report. It would be my great pleasure for me if you find my report informative and useful to have an idea of recent state of Prime Bank Limited. Sincerely yours …………………………………… Srabanti Singha ID: 09304035 BRAC Business School BRAC University Acknowledgement ...
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...Report On HR Department training Development of Prime Bank Prepared by: Sadia sharmin ID:12302009 Subject:ART204 Section:C Prepared For: Tanvir H Dawn Faculty of CBA College of Business Administration Submission date: 14th Nov, 2015 Letter of transmittal To Tanvir H Dawn Faculty, College of Business Administration Subject: Letter of transmittal for improving quality and productivity. Sir, It delights that we presenting our group work on improving productivity and quality of Prime Bank Ltd. It was given as task. We complete our task within the time. I, face so many problems as such as computer virus, internet accesses problem in our university lab. There are so many limitations although we can complete our task for this we group members are so grateful to authority. This is particular in nature. In case of any doubt we the people undersign on this presentation remain stand by to clarify. Thank you very much sir Name:Sadia Sharmin , ID # 12302009 Sing--------- Students Declaration I am the student of college of business administration, International University of Business Agriculture And Technology, Uttara, Dhaka 1230 declared that this was assigned to us so we try to complete it within the time. We declared that it’s our own writing; we the groups of students under signing are responsible for any...
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... | Thesis Report On Performance Evaluation of Commercial Banks in Bangladesh Submitted To Ellina Mahbuba Shahid Lecturer Department of Business Administration Stamford University, Bangladesh Submitted By Helal Uddin ID # BBA 03110957 Batch # 31 (J) Department of BBA Major in Accounting Date of Submission: August 31, 2010 Letter of Transmittal Date: August 31, 2010 To, Ellina Mahbuba Shahid, Lecturer, Department of Business Administration, Stamford University, Bangladesh, Subject: Submission of Internee Report. Dear Madam, It is a great pleasure and privilege to present the internee report titled “Performance Evaluation of Commercial Banks in Bangladesh” which was assigned to me as a partial requirement for the competition of MBA Program. Throughout the study I have tried with the best of my capacity to accommodate as much information and relevant issues as possible and tried to follow the instructions as you have suggested. I tried my best to make this report as much informative as possible. I sincerely believe that it will satisfy your requirements. I however sincerely believe that this report will serve the purpose of my internee program. Helal Uddin ID # BBA 031 10957 Supervisor’s Declaration I hereby declare that the concerned report entitled “Performance Evaluation of Commercial Banks in Bangladesh” is an original work by Mr. Helal Uddin, ID # BBA 031 10957, Major in Accounting...
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...Uttara Bank is one of the largest and oldest private sector commercial bank in Bangladesh, with years of experience. Adaptation of modern technology both in terms of equipment and banking practice ensures efficient service to clients. Bank not only oldest private banks but also surpassed almost all banks in terms of overall growth and profit. Stability of the financial institute in terms of growth, profitability and management is desirable for up-gradation of bank’s image in the market. Security of the deposit maintained i.e. the level of efficiency and effectiveness of the investment portfolio of the bank, as the deposit maintained is used for investment portfolio of the bank, direct relationship over the customer loyalty and this is the prime factor affecting the image of any financial sector in the market. The Bank should have automated operations in the service windows to. New Products and Services add value to the brand image of the Bank. Insurance on deposit and loan products protect not only the bank’s interest but also the interest of the public. Limitations of operations are to be minimized to have superior customer satisfaction. Liquidity of deposits has direct impact on the public sentiment and hence has ample effect on the customer loyalty. The report on “Financial Performance Evaluation of Uttara Bank Limited.” This report gives an idea about the activities of Financial Performance of Uttara Bank Limited .The objective of this report is to analyze and focus on the...
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...nation’s economy. A banking institution is indispensable in a modern society. Bank is an old institution that is contributing toward the development of any economy and is treated as an important service industry in the modern world. Economic history shows that development has started everywhere with the banking system and its contribution towards financial development of a country is the highest in the initial stage. Modern Banks play an important part in promoting economic development of a country Bank provides necessary funds for executing various programs in the process of economic development. They collect savings from large masses of people scattered throughout 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 financial requirements. Bank plays a vital role in the economy by providing means of payment and in mobilizing resources. Bank is the most important financial institution in the economy. The economic development of a country depends on the development of banking sector. Today’s modern banks ate not only providing traditional banking but also expanding the many financial services. In today’ world the lice of the people directly or indirectly are within the field of banking whether conventional or Islamic banking although Islamic bank is not a newer concept in Bangladesh as it has started its operation since 1983...
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...REPORT ON CREDIT OPERATIONS SYSTEM IN THE PRIME BANK LIMITED PREPARED FOR M. MUZAHIDUL ISLAM ASSOCIATE PROFESSOR DEPARTMENT OF BANKING UNIVERSITY OF DHAKA PREPARED BY NIPA SAHA ROLL-423, MBA 1ST BATCH DATE OF SUBMISSION: MAY 10, 2006 DEPARTMENT OF BANKING UNIVERSITY OF DHAKA Supervisor's Certificate This is to certify that the Internship Report on "Prime Bank Ltd." in the bona fide record at the report is done by Nipa Saha as a partial fulfillment of the requirement of Masters of Business Administration (MBA) degree from the Department of Banking, University of Dhaka. -------------------------------------- Signature of Supervisor ---------------------------------- Date. Declaration I do hereby solemnly declare that the work presented in this Internship Report has been carried out by me has not been previously submitted to any other University/ College/ Organization for an academic qualification / Certificate / Diploma or degree. The work I have presented does not breach any existing copyright and no portion of this report is copied from any work done earlier for a degree or otherwise. I, further undertake to indemnity the department against any loss or damage arising from breach of foregoing obligation. -----------------------------------...
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...Analysis of Prime Bank overall performance from strategical point of view Letter of Transmittal Date: 15-04-2013 To Leo V Dewri, Lecturer Department of Business Administration, East West University Aftab Nagor, Jahirul Islam Avenue, Dhaka 1212. Subject: Submission of a term paper on “Analysis of Prime Bank overall performance from strategical point of view”. Dear Sir, We, the students of Strategic Management (MGT-480), would like to present a term paper on “Analysis of Prime Bank overall performance from strategical point of view”. To complete this term paper we have gathered some information as we find. According to your valuable advice we did study on internet, read some article published on performance evaluation from strategical point of view. The remaining data we got from the different websites (WDI) etc. We really have learned a lot and gained valuable experience while preparing this term paper. If you need any further clarification for any part of this term paper, we are always ready to provide any kinds of information regarding this term paper. Yours Sincerely, On behalf of the group- _____________________________ Md. Naeem Mia ID: 2009-2-10-153 Department of Business Administration East West University Acknowledgement In the beginning, we want to give many thanks to the Almighty to help us complete this term paper on the Analysis of Prime Bank overall performance...
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...direction, guidance and support helped me a lot in writing this report. It was a great pleasure for me to work in Southeast Bank Limited (Gulshan Branch) as an intern. I thank all the employees for being friendly and cooperative. I was taught lots of important things through-out my internship career because of their proper attention and co operation. My deepest appreciation and special thanks goesto Mr. A. K. M. NurulAlamDeputy Managing Director the Head ofGulshanBranch, Mr.Md. HamidulHaque the Manager Operation of Southeast Bank Ltd Gulshan Branch, for extending their support in compiling this report. At last I must mention the wonderful working environment and group commitment of this bank that has enabled me a lot deal to do and observe the banking activities during my internship period of three months. Finally I convey my sincere thanks to my friends who inspire in different ways to complete the report and the course as well. 2.Executive Summary As a student of Bachelor of Business Administration (BBA) everyone has to conduct a practical orientation in any organization for fulfilling the requirements of the 12 weeks Internship Program. The main purpose of the program is to expose the students to the real world situation.I was assigned to pursue internship on the “Total Banking Analysis”of Southeast Bank LtdGulshan Branch Dhaka. There are some differences between theories and practice. Due to complete the report, I worked at...
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...Internship Report on Portfolio Mix and Operational Performance of NBFIs in Bangladesh Under the Supervision of Dr. M. Sadiqul Islam Professor Department of Finance University of Dhaka Prepared by Robin Kumar Saha BBA ID: 16-039 BBA 16th Batch Department of Finance Faculty of Business Studies University of Dhaka Date of Submission: ............, 2014 Letter of Transmittal .................., 2014 Dr. M. Sadiqul Islam Professor Department of Finance University of Dhaka Subject: Submission of Internship report. Dear Sir, Here is the report on ‘Portfolio Mix and Operational Performance of NBFIs in Bangladesh’ you asked me to conduct. Working on a practical field with theories helped me to build my theories strong and specific. I believe that this report will help me to know about the perfect mix of investment portfolio of NBFIs in Bangladesh and its relation with the operational performance of the firm. During preparing this report I have enforced my best effort. Surely, it enriches our knowledge and promotes our study. Thank you for giving me such an opportunity for working on the topic. I will be honored to provide you any additional information, if necessary. Sincerely yours, (Robin Kumar Saha) BBA ID: 16-039 BBA 16th Batch Acknowledgement I would like to express my sincere gratitude and cordial thanks to some person who helped me In the course of preparing this report. First of all, I want to mention my honorable...
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...do anything without taking any help from others. In the time of researching we enjoy finding something new but it is not possible to understand every thing. We realize that professional help to make the report a possibility. For making an acceptable and credible report we took several people’s help and advice. Our first thanks goes out to our course instructor Rezwana Karim, who gave us the opportunity to prepare a ‘Company Profile and Management Analysis’ report. I feel that without his help we couldn’t have made this report. We went to his office if we felt any problem and to give us proper guide line. In short, he became our Text Book ‘Researching Made Easy’! To make this report we needed a lot of information about the particular bank and banking industry as a whole. In the report we have used largely the information provided by different banking personnel. All the people who have helped us with the raw data, our warmest regards to them. I would like to express gratitude to Mr. Jamil the manager of one of the branch of One Bank. He gave us the permission to go to his branch and make the report. His help is unforgettable because he told his sub-ordinates to give us all the information we need. I would like to give a special thanks to Mr. Rahman .He helped us in many ways. Banking information is not easy to understand all the time but he made it credible. He gave us all the answer and information with admirable patience....
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...International Journal of Islamic Financial Services Vol. 1 No.3 ISLAMIC BANKING IN BANGLADESH: PERFORMANCE, PROBLEMS & PROSPECTS Md. Abdul Awwal Sarker Islamic banks can provide efficient banking services to the nation if they are supported with appropriate banking laws, and regulations. This will help them introducing PLS modes of operations, which are very much conducive to economic development. It would be better if Islamic banks had the opportunity to work as a sole system in an economy. That would provide Islamic banking system to fully utilize its potentials. Studies show that Islamic banks can not operate with its full efficiency level if it operates under a conventional banking framework, their efficiency goes down in a number of dimensions. The deterioration is not because of Islamic bank’s own mechanical deficiencies. Rather it is the efficiency-blunt operations of the conventional banking system that puts obstructions to efficient operation of Islamic banks. This does not mean that the survival of Islamic banks operating within the conventional banking framework is altogether threatened. Evidences from Bangladesh indicate that Islamic banks can survive even within a conventional banking framework by which over from PLS to trade related modes of financing. The Genesis of Islamic Banking in Bangladesh At birth, Bangladesh inherited an interest based banking system, which was introduced here earlier when the country was a part of British Colony. Since its...
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...Orientation to Organization: To accustom the internee with the structure, functions, and performance of the organization. * The Project Work: Pertaining to a particular problem matching with the internee’s capacity and organization’s requirement. * The Report writing: To demonstrate the internee’s analysis, findings and achievements, in the proceeding one phase. In this connection, I was assigned to Prime Bank Ltd.(PBL) SBC Tower Branch, Credit & General Banking Department for my practical orientation. The topic “Marketing of Financial Services and Market Extension & Retention Strategy of Prime Bank Limited” was selected by the Human Resource Division of Prime Bank Limited. This report covers the details of Prime Bank’s practices about Marketing Activities emphasizing “Marketing of Financial Services and Market extension & retention Strategy of prime bank limited. 1.2 Objective of the Report- General Objective: The general objective of the report is to know about the management system and Service marketing activities applied to extend & retain market of Prime Bank Limited as a private commercial bank as well as its...
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...future assignments as management Professional.ACI Formulation ltd will be more effective in our economy by adopting modern economic technology by extending their activities in human & social welfare.By this report,we are learning much about the Financial ratio analysis of ACI Formulation ltd and we got wonderful experience during our working period to make this report. Lastly, we thank our group members who always inspired us during the working period. 1.2 Significance of the study: The prime reason of this study is to become familiar with the realistic business world and to attain practical knowledge about the banking and corporate world. We all know that there is no alternative of practical knowledge, which is more beneficial than theoretical aspects. 1.3 Scope of the study: The report covers the topic titled “The Financial Performance/Ration Evaluation of ACI Formulation Ltd”. Therefore, the focus of this report is to analyze the financial performance of ACI formulation Ltd. In order to conduct study on this topic, the following topics fall within the scope of the study. * An overview of ACI Formulation Ltd. * Performance analysis of ACI formulation Ltd through trend analysis of financial ratios of ACIF Ltd....
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... | |» 1.03. Methodology | | |» 1.04. Scope of the Report | | |» 1.05. Limitations of the Study | | |∆∆Chapter- 2 (Prime Bank at a Glance) | | |» 2.01. Background | | |» 2.02. Objective of the bank | | |» 2.03. Corporate information | | |» 2.04. Departments of Prime Bank | | |» 2.05. Branch Network...
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