...National Bank Limited at a Glance: With a vision to become the bank of choice and to be the most valuable financial brand in Bangladesh, National Bank Limited Ltd. (NBL) began its journey in 1983. NBL is the first private bank in Bangladesh. Over the years NBL has established itself as a leading private commercial bank in the country with undisputed leadership in Corporate Banking and a strong Consumer and SME growth engines. NBL’s ambition is to be the number one financial services provider, creating lasting value for its clientele, shareholder, and employees and above all for the community it operates in. Bangladesh Banking Sector has grown from strength to strength over the past one decade and is fiercely competitive, especially in the Consumer Banking segment. NBL offers a wide range of depository, loan and card products to cater virtually for every customer segment. From Student Banking to Priority Banking to Platinum card NBL has almost all banking products in its repertoire. The product basket is rich in content featuring different types of Savings & Current Accounts, Personal Loans, Debit Cards, Credit Cards, Pre-paid Cards, Corporate Banking, SME Banking, Investment Banking, Treasury & Syndication services. The customers are served through a network of 144 Branches, Several ATMs. NBL has its presence in almost all cities/towns in the country. NBL is known for its product innovation in the market. During the past five years, NBL introduced 12 new-to-Bangladesh...
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...Background of the Study The development and improvement of trade routes depend on the development of banking industry. Banking sector occupies an important role in the nation’s economy because of its intermediary’s role. It plays a vital role in the economic development of a country and forms the core of money market of any country. In developing country like Bangladesh the banking sector as a whole has an important to play in the progress of economic development. Hence the schools, colleges and universities are giving emphasis on the applied part of 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...
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...Westminster International College Change and continuity in Contemporary Business Course: BABS Semester: Six Name: MD. Jewel Rana Ref no: 083DBKL0610 Lecture’s name: Dr. Harwinder Submission Date: 17/12/2012 Table of content Task-1 1. Cover page…………………………………………..1 2. Introduction ……………………………………......4 3.1 Research objectives……………………………………..4 3.2 Research report summary……………………………….4 3.3 Background of SBI……..…........................................... 4 3. Internal changes……………………………………..5 4.4 New technology…………………………………………5 4.5 Changing work value……………………………………5 4.6 Industry Competition - changing business………………6 4.7 Market turbulence……………………………………….6 4. External changes……………….…………………….7 5.8 Porter’s Five force to SBI……………………………….7 5.9.1 Competitive Rivalry……………………………………………...8 5.9.2 Threat of new entrants…………………………………………...8 5.9.3 Buyer power……………………………………………………..8 5.9.4 Supplier power…………………………………………………..8 5.9.5 Threat of substitute………………………………………………8 5.9 PESTLE analysis to SBI…………………………………9 5.10.6 Political…………………………………………………………...9 5.10.7 Economical…………………………………………………….....9 5.10.8 Legal……………………………………………………………...9 5.10.9 Technological……………………………………………………10 5.10.10 Socio-culture & Environmental…………………………………10 Task-2 5. Global impact on making decision and...
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...Introduction 1.1 Background of The Study Banking sector of the world is contributed in the present global economy. To establish a strong banking sector it is required to have good study in banking operations. Today’s Economic policy is concerned to obtain the optimum economic success in a country’s economy. Banking sector and banking activities are playing a vital and important role to achieve that optimum goal of the economy. The successful running of banking business depends upon effective banking operation. As a new commercial bank BANK ASIA has a huge responsibility to ensure efficient and effective banking operation all over the Bangladesh in a sound manner with other Banks as a competitor. Banking sector is indispensable part in a modern age and modern society. It always plays a vital role to the economic development of a country. In modern age of science and technology the banking sector all over the world has been undergoing a lot of changes due to deregulation, technological innovation and globalization. Basically bank take deposits from the customers against some interest/profit or loss sharing/payments and lend the money to the borrowers with a different interest/markup rate and time period. To ensure safety of the depositors fund there are various types of credit facility. Also bank must hold adequate fund to meet the daily needs of the clients. During the last six years, many new banks have emerged to satisfy the needs of the customers...
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...Investment Banking Under Islamic Shariah PRINCIPLES: A Case Study on Export Import Bank of Bangladesh Ltd By Md. Mostak Ali ID: 3-03-03-025 A Project Report Submitted To Professor Md. Ali Akkas Department of Management Studies In partial fulfillment of the requirements for the award of the degree of MASTER OF BUSSINESS ADMINISTRATION UNIVERSITY OF DHAKA Dhaka 1000 September, 2011 September 29, 2011 Md. Ali Akkas Professor Department of Management Studies EMBA Program University of Dhaka. Subject : ‘Submission of project paper under evening MBA program’. Dear Sir, I, Shah Salahuddin Ahamed, am one of your students in the Evening MBA Program. It is my pleasure to inform you that, I have prepared my project paper which was assigned to me in the topic of 'Investment Banking Under Islamic Shariah Principles - A Case Study on Export Import Bank of Bangladesh Ltd.’ It was quite helpful for me to complete the paper under your prudent supervision. The theoretical knowledge that I have achieved during the MBA sessions helped me a lot to understand the practical business operations in different sectors and to prepare the report smoothly as well. My special gratitude to you & the Department of Management Studies and thanks to Exim Bank Ltd. authority. I have given my best effort to analyze the Investment Banking System in Exim Bank Ltd under Islamic Shariah principals, though I have lot to know & learn about Islamic Banking...
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...Project Report On Credit Management Of [pic] A Project Work On Credit Management of AB Bank Limited Course Code: BUS 699 Course Title : Project Work Submitted To Department of Business Administration Leading University, Sylhet. Supervised By Thanvir Ahmed Chowdhury Assistant Professor Department of Business Administration Leading University, Sylhet. Submitted By Md. Islaqur Rahman ID No-1201010556 MBA Program Department of Business Administration Leading University, Sylhet. Date of Submission: 30th April 2014 Dedicated to Letter of Submission 30 April, 2014 To Thanvir Ahmed Chowdhury Assistant Professor Department of Business Administration Leading University, Sylhet. Subject: Submission of Project Report Dear Sir, It is my great pleasure that I have the opportunity to submit a report...
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...CHAPTER ONE The Organization 1.0 Introduction United Commercial Bank Limited (UCBL) is a Bangladesh based private commercial bank that provides banking services. The services include corporate and retail banking, loans, credit cards, online banking and money transfer services. The bank operates in Bangladesh having its headquarter in Gulshan, Dhaka. UCBL has its firm commitment towards the society for the economic development of the country. Their position is 6th among the 52 banks which include 10 specialized banks, 9 foreign banks and 30 private banks. So the bank has already become a significant part of our economy by serving its clients through their personalized service, innovative practices, dynamic approach and efficient Management. At present, UCBL is aiming to play a leading role in the economic activities of the country, planning to establish more sustainable business relations with large corporate groups and overcome all its deficiencies and give their competitors an edge. 1.1 History United Commercial Bank Limited (UCBL) is considered as one of the first generation bank of Bangladesh. It was incorporated on 26th June 1983 as a public company with limited liability under the Companies Act 1993. It obtained permission to start business from 26 June 1983 and started banking operations on 29th June 1983 with an authorized capital of Tk. 100 million divided into 1 million ordinary shares of Tk. 100 each. 1.2 Vision of the UCBL To hold the position...
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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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...1.1 Introduction As the most essential element of Business, the importance of Human Resource is increasing day by day. The more the world is developing, the more efficient human resource it requires. Because it is human resource without which the other elements of business- land, capital, enterprise, can result nothing. With the effort of human resource all his land, labor, capital, enterprise form a proper adjustment to do business. So the HR practice in an organization becomes a major fact to the modern world. The world is tremendously competitive now. In every sphere of life and business, competition has become more and more furious. Every firm tries to obtain and retain efficient employees to meet the new challenges. So, attracting, obtaining, retaining and maintaining the best employees have become much more important, rather than other factors in order to meet the corporate goal with the fulfillment of the current challenges. The course under BBA program designed with an excellent combination of theoretical and practical aspects, while studying the BBA program, consisting of theoretical exposure, the students are required to obtain different types of experiences gathered from different organizations, field work, and the presentation based on them. We have tried our best to use this opportunity to enrich my knowledge on banking system and also incorporate my knowledge, which I have learned from my classes. 1.2 Background of the study Practical Knowledge has...
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...©2010 International Journal of Computer Applications (0975 - 8887) Volume 1 – No. 17 Routing Approaches in Delay Tolerant Networks: A Survey R. J. D'Souza National Institute of Technology Karnataka, Surathkal, India Johny Jose National Institute of Technology Karnataka, Surathkal, India ABSTRACT Delay Tolerant Networks (DTNs) have evolved from Mobile Ad Hoc Networks (MANET). It is a network, where contemporaneous connectivity among all nodes doesn’t exist. This leads to the problem of how to route a packet from one node to another, in such a network. This problem becomes more complex, when the node mobility also is considered. The researchers have attempted to address this issue for over a decade. They have found that communication is possible in such a challenged network. The design of routing protocol for such networks is an important issue. This work surveys the literature and classifies the various routing approaches. discontinuity in the network. There are also methods that have employed additional mobile nodes, to provide better message delivery. Researchers are even exploring how the social interaction of humans can be utilized for routing in a DTN. This survey has made an extensive study of the various routing strategies taken by the researchers in the past few years. We have classified them based on the type of knowledge used for routing. 2. FLOODING BASED APPROACHES Knowledge about the network helps in deciding the best next hop. It can happen that the...
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...Internship Report on Functions oF credit risk management in non Banking Financial institutions (nBFi) in Bangladesh A study on IDLC Finance Limited Internship Report on Functions oF credit risk management in non Banking Financial institutions (nBFi) in Bangladesh A study on IDLC Finance Limited Submitted to: Sharmin Shabnam Rahman Dewan Mostafizur Rahman Internship supervisor of the submitter BRAC Business School (BBS) BRAC University Submitted By: Chowdhury Tasmiah Jabeen ID-06104024 BRAC Business School (BBS) BRAC University Date of Submission: 23rd December 2009 Letter of Transmittal_______________________ 23rd December 2009 Sharmin Shabnam Rahman BRAC Business School (BBS) BRAC University Subject: Submission of Internship Report of BBA Programme Dear Madam, It is my great pleasure to submit the internship report on "Functions of Credit Risk management in Non Banking Financial Institutions (NBFI) in Bangladesh, A study on IDLC Finance Ltd " which is a part of BBA Programme to you for your consideration. I made sincere efforts to study related materials, documents, observe operations performed in IDLC Finance Limited and examine relevant records for preparation of the report. Within the time limit, I have tried my best to compile the pertinent information as comprehensively as possible and if you need any further information, I will be glad to assist you. Thanking you, Chowdhury Tasmiah Jabeen ID-06104024 BRAC Business School (BBS) BRAC...
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...Internship Report On A Comparative Financial Performance Analysis of Three Branches of National Bank Limited Tapash Chandra Paul BBA Program 2014 (17th Batch) Roll: 35 Internship Report On A Comparative Financial Performance Analysis of Three Branches of National Bank Limited Tapash Chandra Paul BBA Program 2014 (17th Batch) Roll: 35 Supervisor Dr. Syed Golam Maola Professor Department of Management Faculty of Business Studies University of Dhaka 28th February, 201 Executive Summary This study aims at measuring and comparing the financial performance of three branches of National Bank Limited in Bangladesh. In a competitive financial market bank performance is very important because it provides signal to depositors and investors whether to invest or withdraw funds from the bank. Similarly, it flashes direction to bank managers whether to improve its deposit service or loan service or both to improve its finance. Regulator is also interested to know for its regulation purposes. Specifically two objectives were pointed out in these study as to analyze comparative branch financial performance among three branches in the light of growth and profitability performance and evaluate comparative branch financial performance among three branches in the light of employee performance. For comparative branch performance analysis three branches are being selected. For the organization part, much information has been collected both from the...
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...Chapter – 01: Introduction 1.1 Origin of the Report – Any academic course of study has a great value when it has practical application in real life. Only a lot of theoretical knowledge will be of little importance until & unless it is applicable in practical life. So we need proper application of our knowledge to get some benefit from our theoretical knowledge to make it more fruitful. As the classroom discussion alone cannot make a student perfect in handling the real business situation, therefore, it is an opportunity for the students to know about real life situation through this internship program. This program consists of three phases: * 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...
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...Credit Risk Management Of AB Bank Limited 25. May, 2013 view with charts and images Executive Summary The ongoing development of contemporary management methods and the increased use of innovative financial products such as securitization and credit derivatives have brought about substantial changes in the business environment faced by credit institutions today. Especially in the field of lending, these changes and innovations are now forcing banks to adapt their in-house software systems and the relevant business processes to meet these new requirements. Credit Risk Management is intended to assist practitioners in redesigning a bank’s systems and processes in the course of implementing the Basel II framework. Throughout last five years securitization, rating and validation, credit approval processes and management, as well as credit risk mitigation techniques. Credit management is based on developments in the banking sectors is meant to provide readers with best practices AB bank would be well advised to implement regardless of the emergence of new regulatory capital requirements. AB Bank is to develop mutual understanding between regulatory authorities and banks with regard to the upcoming changes in banking. Credit risk Management provides interesting reading as well as a basis for efficient discussions of the current changes in AB Bank. The bank has been successful in holding its position as a progressive and dynamic financial institution in the country for a long...
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...INTRODUCTION 1.1 Origin of the Report Bachelor of Business Administration (BBA) Course at Shanto Mariam University of Creative Technology (SMUCT) requires a three months attachment with an organization followed by a report assigned by the supervisor in the organization and endorsed by the faculty advisor. As I am already working for Dhaka Bank Limited (DBL), I took the opportunity to do my internship in my own organization. … also approved the topic and authorized me to prepare this report as part of the fulfillment of internship requirement. 1.2 Background of the Report Last year Bangladesh Bank undertook a project to review the global best practices in the banking sector and examines in the possibility of introducing these in the banking industry of Bangladesh. Four 'Focus Groups' were formed with participation from Nationalized Commercial Banks, Private Commercial Banks & Foreign Banks with representatives from the Bangladesh Bank as team coordinators to look into the practices of the best performing banks both at home and abroad. These focus groups identified and selected five core risk areas and produce a document that would be a basic risk management model for each of the five 'core' risk areas of banking. The five core risk areas are as follows- a) Credit Risks; b) Asset and Liability/Balance Sheet Risks; c) Foreign Exchange Risks; d) Internal Control and Compliance Risks; and e) Money Laundering Risks. Bangladesh Bank in one of it’s circular (BRPD...
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