...Monitoring & Evaluation of Credit Where Credit & Commerce Integrates Background of the Study 1.1 Origin of the Report: Internship Program brings a student closer to the real life situation and thereby helps to launch a career with some prior experience. It is also a part of our education. In our university we learn only theoretical knowledge but to collect practical knowledge we have to do intern. One of the main objectives of the BBA program is to create skilled professional for various sectors. This program is designed to meet the needs 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...
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...i 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...
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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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...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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...International Islamic University Chittagong Department of Business Admistration Faculty of Business Studies Date: CERTIFICATION OF ACCEPTENCE This Report entitled "Performance evaluation on the basis of financial statements a study on NCC Bank” A Internship Report prepared and submitted by Humayra Tasnim, Metric No B101284 has been accepted for the partial fulfilment of the requirement of Bachelor's Degree in Business Administration. This entire work is based on field work and office work performed by the candidate and this work brings out useful findings in the concerned field. Supervisor ………………………........... Sayema Hoque Assistant Professor International Islamic University Chittagong ACKNOWLEDGEMENT Many individuals and institutions have contributed in myriad of ways by sharing their invaluable time, resources and knowledge without which, materialization of the report in this form wouldn’t have been possible. Space does not permit mentioning their entire good name however; it in no way does mean belittling of my gratitude toward them. Thank you all, but I owe special thanks to some people who deserve the acknowledgement. I would like to express the deepest gratitude and the sincerest thanks to Sayema Hoque, Assistant Professor, and my research advisor for his invaluable guidance, constructive criticism, intellectual support and encouragement throughout the whole research period in order to accomplish this work. I feel a deep sense of gratitude to...
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...ffA 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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...measure for knowing about the 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...
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...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 volume of saving of masses will flow into capital markets economic growth leads to increase national incomes and thus savings, which in turn are often channeled into the capital market. Limitation of the Study I have been provided with all necessary information at Dhaka Stock Exchange Ltd as my level best; but, all required information and data are not elaborated as a guideline of the...
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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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...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 8th NOV, 2009 to 8th FEB, 2010. During...
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...Executive Summary: The aim of this study was to assess the effectiveness of Corporate Social Responsibility (CSR) practices of some local banks and track the performance of these banks with superior ratings for environmental, social and governance practices in Bangladesh and these banks are: Eastern Bank Limited, One Bank Limited and Mutual Trust Bank Limited. The study specifically focused on the extent to which companies practicing CSR complied with basic legal labor standards involving their employees and my marking 0 and 1 (0 for Null for practicing CSR,1 for CSR Practice). The study involved identification of companies providing CSR, obtaining information about the details of the CSR practices adopted at these companies (though looking at their website and interviews few of employees) and an assessment of how well these companies complied with basic CSR standards. The research found that most CSR practicing companies practiced CSR in their own specific way. It was often unclear how much money companies spend on CSR and it also found that many of these companies, whilst providing CSR, did not comply with the law in providing basic labor standards to their employees. The study also showed the comparison among these three banks with graph where graphical technique is informative in the field of statistics used to visualize quantitative data. Statistics and data analysis procedures generally yield their output in numeric or tabular form; graphical techniques allow such...
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...Mission To build Prime Bank Limited into an efficient, market driven, customer focused institution with good corporate governance structure. Continuous improvement in our business policies, procedure and efficiency through integration of technology at all levels. Vision To be the best private commercial bank in Bangladesh in terms of efficiency, capital adequacy, asset quality, sound management and profitability having strong liquidity. Objective For our customers: • To provide the most courteous and efficient service in every aspects of its business • To be innovative in the development of new banking products and services For our employees: • By promoting their well-being through attractive remuneration and fringe benefits. • By promoting good stuff morally through proper staff training and development, and provision of opportunities for career development. For our share holders: • By forging ahead and consolidating its position as a stable and progressive financial institution. • By generating profits and fare return on their investment. For our community: • By assuming our role as a socially responsible corporate citizen in a tangible manner • By adhering closely to national policies and objectives thereby contributing towards the progress of the nation Strategy PBL has consistently remained focused on efficient customer service by providing wide range of product and services. PBL focused on our diverse products and services. Our customer group range...
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...Overall Banking system of Al-Arafah Islami Bank Ltd-Focusing on General Banking Chapter 1: Introduction Bank is important financial intermediary in the economy. It plays crucial role of transferring the resources from surplus area to the surplus area to the supply constraint area. Bank performs its job through introducing various financial products and services to the market. Among them loan is the most crucial product .Loan is the product that generates major profit for the bank. Since, banks receive deposits from lenders at a certain interest rate and give the loan at the higher interests. The private banking industry is at its growth in Bangladesh. In August 1974, Bangladesh signed the charter of Islamic Development Bank and committed itself to reorganize its economic and financial system as per Islam Ice Shariah.Bangladesh government subscribed recommendation of Islamic Foreign Minister’s conference held in Senegal in 1978 regarding systematic efforts to establish Islamic banks in the member countries gradually. In January 1981, the then president of the People’s Republic of Bangladesh while addressing the 3rd Islamic Summit Conference held at Makkah and Taif suggested, “The Islamic countries should develop a separate banking system of their own in order to facilitate their trade and commerce.” Earlier in November 1980, Bangladesh Bank, the country’s Central Bank, sent a representative to study the working of several Islamic banks of different countries. In November 1982...
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...History of Bank Banking in the modern sense of the word can be traced to medieval and early Renaissance Italy, to the rich cities in the north like Florence, Venice and Sialkot Genoa. The Bardi and Peruzzi families dominated banking in 14th century Florence, establishing branches in many other parts of Europe.[9] One of the most famous Italian banks was the Medici Bank, set up by Giovanni di Bicci de' Medici in 1397.[10] The earliest known state deposit bank, Banco di San Giorgio (Bank of St. George), was founded in 1407 at Genoa, Italy.[11] Origin of the word The word bank was borrowed in Middle English from Middle French banque, from Old Italian banca, from Old High German banc, bank "bench, counter". Benches were used as desks or exchange counters during the Renaissance by Florentine bankers, who used to make their transactions atop desks covered by green tablecloths.[12] Definition of bank A bank is a financial institution and a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly by loaning or indirectly through capital markets. A bank connects customers that have capital deficits to customers with capital surpluses. Listed Bank operates in Bangladesh Central bank • Bangladesh Bank In 1972 the Government of Bangladesh reorganized the Dhaka branch of the State Bank of Pakistan as the central bank of the country, and named it Bangladesh Bank with retrospective effect from 16 December 1971. State-owned...
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...CIVIL ENGINEERING 3rd Semester Course No. Course Name MA 201 Mathematics III CE 201 Solid Mechanics CE 203 Engineering Geology CE 205 Civil Engineering Materials CE 207 Surveying CE 231 Civil Engineering Materials Lab CE 235 Surveying Laboratory CE 233 Building Drawing and CAD lab. SA 201 NCC/NSS/NSO I Total Credits 4th Semester Course No. MA 2xx CE 202 CE 204 CE 206 CE 208 CE 232 CE 234 SA 202 5th Semester Course No. CE 301 CE 303 CE 305 CE 307 CE 309 CE 331 CE 333 L-T-P-C 3-0-0-6 3-1-0-8 3-0-0-6 3-0-0-6 3-0-0-6 0-0-3-3 0-0-3-3 1-0-2-4 0-0-2-0 16-1-8-42 Course Name Numerical Methods Structural Analysis I Environmental Engineering I Geotechnical Engineering I Hydrology and Water Resources Engineering Environmental Engineering Lab Geotechnical Engineering I Laboratory NCC/NSS/NSO II Total Credits L-T-P-C 3-0-0-6 3-1-0-8 3-0-0-6 3-0-0-6 3-0-0-6 0-0-3-3 0-0-3-3 0-0-2-0 15-1-6-38 Course Name Structural Analysis II Environmental Engineering II Geotechnical Engineering II Fluid Mechanics Reinforced Concrete Design Geotechnical Engineering II Laboratory Fluid Mechanics Laboratory Total Credits L-T-P-C 3-1-0-8 3-0-0-6 3-0-0-6 3-0-0-6 3-0-0-6 0-0-3-3 0-0-3-3 15-1-6-38 Course Name HSS II Transportation Engineering I Construction Technology and Management Design of Steel Structures Hydraulics and Hydraulic Structures Transportation Engineering I Laboratory Hydraulics and Hydraulic...
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