...Introduction: This internship is a part of Bachelor of Business Administration (BBA) program that provides an on the job experience to students. I was placed at NCC Bank Limited, Malibagh Branch as an internee student for three months. This internship program was my very first on the job exposure and provided me with learning experience and knowledge in several areas. During the first few weeks of my internship period, I was able to get accustomed to the working environment of NCC Bank Limited. As the internship continued, I not only learn about the activities and operation of correspondent Bank, but I also gathered some knowledge about the basic business acclivities of banking in first one month of my internship period. Generally by the word “Bank” we can easily understand that the financial institution deals with money. But there are different types of bank such as; Central Banks, Commercial Banks, Savings Banks, Investment Banks, Industrial Banks, Co operative Banks etc. But when we use the term “Bank” without any prefix, or qualification, it refers to the ‘commercial banks’. Commercial Banks are the primary contributors to the economy of a country. So we can say commercial banks are the profit makings institution that holds the deposit of individual & business in current and savings accounts and then use these funds to make loans. A company can increase efficiency through a number of steps. These include exploiting economies of scale and learning effects, adopting flexible...
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...Internship Report On NCC BANK LTD. Foreign Exchange Branch, Dhaka. Title: Overall Banking system of National Credit & Commerce Bank Ltd:An Evaluation. Prepared By Wahida Shirin Zhimly ID No : 103-11-1657 Department of Business Administration Daffodil International University, Dhaka. “ ©Daffodil International University “ ii Dated: 27.05.2014 Professor Dr. Zakir Hossain Dean. Daffodil International University Dhanmondi, Dhaka. Sub: Submission of Internship Report Dear Sir, I have the pleasure to inform you that I accomplished my internship program at the National Credit and Commerce Bank limited, Dhaka. I tried my best to know about the company by observing its activities. This report, which I would like to submit to you for your evaluation, is a discussion of my observation. I sincerely believe and hope that you will find this study very interesting, informative and enlightening (gan dan kora) and will help future researchers for extended research in this field. I beg your kind excuse for the unintentional error that may take place in the report in spite of my best efforts. I hope that you would be kind enough to receive this report and bless me hearty. Thanking you Yours truly, Wahida Shirin Zhimly ID No : 103-11-1657 Department of Business Administration Daffodil International University, Dhaka. “ ©Daffodil International University “ iii CERTIFICATE OF SUPERVISOR This is to certify that the report entitled “Overall Banking System of National Credit...
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...Internship report on Credit Appraisal of NCC Bank Ltd. PREPARED FOR Ms Halima Begum SeniorLecturer Department of Business Administration Leading University, Sylhet PREPARED BY: Fathema Jannath ID: 1201010750 Department of Business Administration Leading University, Sylhet Date: July 11, 2013 Credit Appraisal Of NCC Bank Ltd. LETTER OF TRANSMITTAL Date: 11th July, 2013 To The Supervisor Department of Business Administration Leading University Sylhet Subject: Submission of Internship Report Dear Madam, I am grateful to you for the submission of the report on “Credit Appraisal of NCC Bank”, Elephant Road Foreign Exchange Branch in the completion of the requirement for internship. This is an excellent opportunity for me to acquaint more closely with the organization. The association and coordination of all respective officers & staffs with me are full of exciting, re-discovering and entertainment. During the period of doing this report I have discovered and gained new & practical feelings, observations and learning. I have my utmost effort to reflect experience, skill and knowledge, which I acquired at the time of working at NCC Bank. All of my efforts will be successful if the thesis paper can serve its purpose. I have tried my best to explain everything related with the Credit Appraisal in this paper. Yours faithfully Fathema Jannath ID: 1201010750 Department of Business Administration Leading University Sylhet ...
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...Investment Decision on DSE Listed Company Chapter-1 : Introduction The Dhaka Stock Exchange is the prime bourse of the country. Through its nonstop highly fault tolerant screen based automated trading system the exchange has been offering facilities for transparent and highly efficient provisions for secondary market activities of securities. Origin of the topic This term paper originated as an academic requirement of BBA Program. This is authorized and organized by the department of BBA. After completion of the program period a student must submit the term paper on the assigned topic to the Supervisor and to the department. The program is three months duration. I was assigned to Dhaka Stock Exchange Limited, to complete the program. Objective of the study Objectives of this study are as follows- - To present an overview of Dhaka Stock Exchange. -To identify the trend line of DSE and that of those securities incorporated in DSE. -To identify the strength and performance of DSE 5 Banks. . -To compare among DSE 5 Banks. . -To develop the practical knowledge by the practical orientation of Work. Scope of the Study Scope of the study could be to understand contribution of stock exchange in economic development of a country. The economy of Ban in gaining in confidence and scope for development of capital market is gaining ground. If we can educate the investors regarding risk in management and adopt suitable legal measure to protect the investor’s interest, a substantial...
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...Overall Banking System of NCC Bank Limited,Bangladesh Executive Summary National Credit and Commerce Bank Limited (NCC Bank) is a well established Bank in Bangladesh. It is developing and expanding its branches in the country with innovative products and banking services, to gain greater acceptance as an effective and efficient means of intermediation and to contribute to the overall wealth creation.This report is prepared as a requirement of the internship phase of BBA program of Northern University of Bangladesh. This report focuses three months working experiences in National Credit and Commerce Bank Limited, Foreign Exchange Branch. This report will give a clear idea about the activities and operational strategies of National Credit and Commerce Bank Limited.The whole working process of NCCBL is divided into 3 sections-(1) General Banking, (2) Credit Section, (3) Foreign Exchange. Here first chapters basically discuss about the background of the report, objectives and methodologies used in preparation of the report and limitation faced at preparation. The main objective is to identify the various activities provided to customers by National Credit and Commerce bank Ltd. and descriptive analysis about their operation. Next I have tried to concentrate on Internship duties and banking function (general banking, loan and advances and foreign exchange business) and marketing part on the basis of some specific topics.The objective of the internship program was to familiarize the...
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...of each student who want to develop their career as executives in the field of different business areas as well as teaching and research positions in different institutions. BGC Trust University Bangladesh offered an opportunity to do intern. For the competition of this internship program, the author of the study was placed in a bank namely, “National Credit & Commerce Bank Limited”. My paper topic is monitoring and evaluation of credit of NCC Bank. My internship was at NCC Bank Ltd., Anderkilla Branch, Chittagong. During my internship, I had to prepare a report under the supervision of Mrs . 1.2 Objective of the Report: Project Objective: Presenting and Emphasizing on credit operation, credit risk management and credit performance including the credit payment system. Secondary objective: Objectives assist the researcher to advance objectively. The followings objectives may be with this identified study as presented below: Knowing the credit policy and credit operation model. Knowing lending products of the NCC Bank. Knowing the interest rates and fees of loans. Knowing the process of selecting borrowers. Prepared By: Zillur Rahman, ID-0913175, BBA (Finance), FBA, BGCTUB Monitoring & Evaluation of Credit Where Credit & Commerce Integrates Knowing about the loan recovery System. Knowing about the loan classification....
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...STUDY ON PERFORMANCE ANALYSIS: IMPORT DIVISION OF EXPORT IMPORT BANK OF BANGLADESH LIMITED By Nabila Alam ID # 0931059 An Internship Report Presented in Partial Fulfillment Of the Requirements for the Degree Bachelor of Business Administration INDEPENDENT UNIVERSITY, BANGLADESH April, 2013 Comparative Analysis of Import Division of EXIM Bank Ltd Page 1 A STUDY ON PERFORMANCE ANALYSIS: IMPORT DIVISION OF EXPORT IMPORT BANK OF BANGLADESH LIMITED By Nabila Alam ID# 0931059 Had Been Approved April,2013 ______________________________ Abul Khair Jyote Lecturer, Marketing School of Business Independent University Bangladesh Bashundhara R/A, Dhaka Comparative Analysis of Import Division of EXIM Bank Ltd Page 2 Table of Content Particulars Letter of Transmittal Acknowledgement Executive Summery Page No. 5 6. 7 Part – I Working Report on Export Import Bank of Bangladesh Limited Background & History Corporate Information‟s at a Glance Vision & Mission Objectives Corporate Objectives Board of Directors Shariah Board Islamic bank extend investment (loan) under the principles Branches of EXIM BANK in Bangladesh Financial Performance of EXIM BANK Limited Working Experience at EXIM BANK Job as an Intern Critical Observation and Recommendation 9 10 12 12 13 13 14 15 16 18 20 20 23 Part – II A STUDY ON PERFORMANCE ANALYSIS: IMPORT DIVISION OFEXPORT IMPORT BANK OF BANGLADESH LIMITED Chapter 1: Introduction 1.1 Introduction &Background 1.2 Rationale...
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...financial systems make countries defenseless to crises. A growing body of empirical literature shows these relationships. This means that to enhance economic growth, developing countries must take initiative to increase both the financial depth and diversity of their financial sectors. Banking sector is one of the most important sectors for the economy of a country. Sometimes it is called heart of the economy. Banks are the leaders of all financial services industry, where the proper functioning of the economy depends on the banking industries. Banks drive all the financial activities of certain economy. Commercial banking industry is one of the most important financial intermediaries in Bangladesh. It is playing great role to generate savings and it makes sure the proper investment of this savings in different sectors of our economy. Commercial banks are cooperating different types of business in various ways which is ensuring prosperity of business. Prosperity of business means prosperity of the economy as a whole. By now, it has been proved that literally bank is the heart of all commercial activities in Bangladesh. 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). History of banking sector is quite recent; the development of banking sector is so great. The number of private banks increasing...
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...internship on National Credit & Commerce Bank Limited –NCCBL Motijheel Branch on 19th September and ended on 19th December 2013. Throughout my internship period Fatima Satter, Lecturer of Eastern University was my academic supervisor and Md.Ayub Assistant Vice President &MD.Masum Manager Operation was my field supervisor. A study on a particular topic is a mandatory part of the internship program. I was authorized to make a study on the “performance evaluation on National Credit & Commerce Bank Limited”. In this whole study I tried to connect my own financial knowledge to the financial data of. I tried my level best to produce a quality study on “Performance evaluation on National Credit & Commerce Bank Limited”. 1.2 Problem Statement & Justification The financial performance evaluation on bank is unknown. The reason for the research was to do a pilot study and we wanted to identify bank’s financial data analysis or change in year by year. By this study Bank organization can make better decision to improve their growth and to compare the competitor they visualize their position. 1.3Limitations of the study It was a great opportunity for me to work in NCC Bank limited as an Intern and a make a study on the financial performance analysis of it but there were surely some limitations while making this study. They are- * Difficulty in accessing latest data of internal operations for data security. * Since the bank personnel are very busy with their activities...
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...performance of a bank.. Nowadays Banking companies are in a competitive market. They are choosing the differentiation strategy to be a market leader because cost leadership is not a good tool for competition due to oligopolistic market. By analyzing bank information system, this paper investigates the service quality perceptions of bank account holders. This paper also examine the relationship between relative importance allocated by respondents to each of the five SERVQUAL dimensions as measured by the points allocated to that dimensions the ratings provided for the individual items of the dimension. In the SERVQUAL questionnaire there are 22 questions from five different dimensions. These are Tangibles, Reliability, Responsiveness, Assurance and Empathy. These questions measure the gap between employees’ expectations and perceptions .After conducting the survey I have found some values. I have made an analysis with these values. I have calculated the weighted average scores of these values from the perspective of these branches. Then it has been seen that the gap between the employees’ expectations and perceptions about the services is lower for the customers. In my report I got reliability, responsibility and assurance is very much valuable to customers compare to others. Company Profile COMPANY BACKGROUND Dutch-Bangla Bank Limited (the Bank) is a scheduled commercial bank. The Bank was established under the Bank Companies Act 1991 and incorporated as a public limited company under...
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...INTRODUCTION Bank as the financial services industry is approaching full historical cycle. Originally the banking system operated as full service industry, performing directly or indirectly all financial services. Banks are direct agents to create opportunities for development in a country and also provide large scale of employment opportunities. Banks mobilize savings and make it advances to investors and by this process make profit. As they deal with public money, their form of business is different from others. Banks must refund public’s money when they demand & qualityful services either it makes or not. So, overall operation system of bank should be evaluated carefully. Banking sector is expanding its hand in different financial events every day. At the same time the banking system is becoming faster, easier and the banking area is becoming wider. As the demand for better service increases day by day, they are coming with different innovative ideas & products. In order to survive in the competitive field of the banking sector, all banking organizations are looking for better service opportunities to provide their fellow clients. As a result, it has become essential for every person to have some idea on the bank and banking system. The evaluation of banking system is a complex process involving interactions between the environment, internal operations, and external activities. The ultimate objective of management is to maximize the value of bank’s equity shares by attaining...
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...(governance, risk and compliance) and that effective governance can be a value driver and a benefit versus a cost, to their companies. Effective corporate governance requires management and board involvement, accountability, embracing the processes, compliance, and structure required to direct and manage the affairs of a corporation. Its overall goal is to ensure the financial viability to the enterprise and enhance share holder value. For the retail and customer industry, globalization, which entails multinational operations, various financial reporting systems, and complex supply chain with wholesalers, distributors, and multiple types of retailers, not to mention multiple brand portfolios, and various types of outlets, provides significant rationales for management and boards to develop an effective GRC program. Successful corporate governance depends largely on trade-off among the various conflicting interest groups like government, society, inventors, creditors and employees of the organization. This study critically discusses the implementation practice of the corporate governance guidelines issued by Securities and Exchange Commission (SEC) in Bangladesh. Following the much reported collapses of companies such as Enron, World Com, HIH and One. Tel, corporate governance...
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...in Jerusalem introduced a kind of banking in the form of money lending before the birth of Christ. The word ‘Bank’ was probably derived from the word ‘Bench’ as during ancient time Jews used to do money lending business sitting on long benched. First modern banking was introduced in 1668 in Stockholm as ‘Savings Pis Bank’, which opened up a new ear of banking, activates through out the European Mainland. Banks are now beyond those old concepts. Now bank represents a significant & influential sector of business worldwide. Most individuals and originations make use of the Banks, either as depositors and borrowers. Bank play a major rule in maintaining confidence in the monetary system through their close relationship with regulatory authorities & governments the regulation imposed on them by those government. 1.1: Origin of the report For any business school student only curriculum activity is not enough for handling the real business situation, therefore it is an opportunity for the students to know about the field of business through the internship program. As internship program is a perfect blend of the theoretical and practical knowledge. This report is originated to fulfill the requirement of the assign project internship report on “Loan Disbursement and recovery system” has been assigned to me by Human Resource Division (HRD) of NCCBL, Head Office, Dhaka. In this regard, I have worked as an internee in National Credit and Commerce Bank Ltd. (NCCBL), JATRABARI BRNCS from...
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...Major Problems of the Banking Industry and Strategies to overcome them: A study on Bangladesh. Table of Content Topic Page# 1.0 Introduction ------------------------------------------------------------------------------------3 2.0 Review of Previous Empirical Literature------------------------------------------------4 3.0 Banking Industry in Bangladesh---------------------------------------------------------- 3.1 What is a Bank? ----------------------------------------------------------------------5 3.2 Definitions of Bank form different view -------------------------------------5 3.3 Where does the word BANK come from? ------------------------------------6 3.4 Why Banks? Why don’t go to another financial institution? -------------7 3.5 Banking System in Bangladesh---------------------------------------------------7 3.6 Banking system is very from country to country because of Following 3 reasons---------------------------------------------------------------------12 3.7 There are different kinds of financial services firms calling themselves Banks---------------------------------------------------------------------------------------12 4.0 Major Problems Faced by Bangladeshi Banking Industry-------------------------14 4.1 Lack of Good Governance, Accountability and Transparency------------14 4.2 Low quality of asset ---------...
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...is E-banking? .Online banking or Internet banking . In simple terms it does not involve any physical exchange of money, but it’s all done electronically, from one account to another, using the Internet. . From a personal computer, customers can access their bank account information, and perform many banking functions, like transferring money, making a loan payment Once they register themselves on a bank website, they can view .Their accounts, credit card & home loan balances * Accrued interest, fees and taxes * .Transaction details of each account Pay bills . Transfer funds to third party accounts which you nominate . Open a deposit right from the terminal you are sitting at. . However, till now Internet services in Bangladesh only allows for a minimum level of interactivity such as . Answering e-mail queries . Feedback forms . Articles asking for readers’ opinion at the end .An accountholder, armed with a password, can use the Net to order a cheque book, stop payment of a cheque and spot the balance and individual operations in the account and transfer funds. E- Banking Services and Products E banking products and services can includes wholesale products for corporate customers as well as retail and fiduciary products for individual customers. Ultimately the products and services obtained through internet banking may mirror products and services offered through other bank delivery...
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