Borrower’s Perception On Prime Bank

8/12/2019 Borrowers Perception On Prime Bank

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United International UniversityDepartment of Business Administration

Internship Report

On

Borrowers Perception On Prime Bank

Limited

Sumitted to!

Dr. Mohammad Musa

Professor

Business Administration

Sumitted y!

Shariful IslamID: 111092072

BUS!99

Ma"or: AIS # Minor: $inan%e

Department of Business Studies &BBA'

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L"##"R O$ #R%&S'I##%L

Dr. Mohammad Musa

Professor

Business Administration

United International Uni*ersit+

Su,"e%t: Sumission o( Internship Report o( Prime Bank Limited)

Dear Sir-

It is m+ pleasure to su,mit m+ Internship eport on Borrowers Perception on

Prime Bank Limitedas a re/uirement of Internship %ourse- BUS!99.

I tried m+ ,est to )ather rele*ant information for %onstru%tin) a %omplete report as

outlined. he preparations of this report ena,le me to a )reat etent to %omplete m+

theoreti%al no3led)e 3ith pra%ti%al anal+sis. I 3ould lie to epress m+ profound

)ratitude for +our ind and %ons%ious )uidan%e in preparin) m+ report in the )i*in)

time.

han +ou *er+ mu%h for +our heartiest %ooperation.

4ours sin%erel+-

BBA 051thBat%h- Ma"orAIS

ID no111092072-Department of Business Department-

United International Uni*ersit+

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%*+&O,L"-"."'"

$irst of all I 3ould lie to epress m+ )ratitude to omnipotent and almi)ht+ Allah-

3hose in*isi,le )uidan%e helped me to %omplete this report. Althou)h- time 3as *er+

limited for )ettin) the suffi%ient no3led)e a,out all of ,anin) ser*i%e- ,ut the short

eperien%e that I )athered as an internee- in Prime Ban 6imited on SatMas"id oad

Bran%h an asset for all the time to %ome in m+ life. I tae the opportunit+ to epress

m+ deep sense of )ratitude of m+ re*erend super*isor- for his in*alua,le su))estions

and )uidan%e durin) the stud+ period that has )reatl+ inspired me in preparin) this

report su%%essfull+.

I am hi)hl+ thanful to all of the emplo+ees of Prime Ban 6imited- SatMas"id oadBran%h for their support that helped me to prepare this report. All of them are *er+

fran and helpful e%eption. I %ouldnt thin a sin)le moment that I am a student of

internee in that ,an the+ help me as his emplo+ee. Besides I ha*e spe%ial

appre%iation to3ards follo3in) resour%e person for helpin) me:

Md. 8mar a,ir- i%e President.

Md. Aminur ahman Aanda- Assistant i%e President and Mana)er

8peration.

Shah Mohammad Mohsin- $irst Assistant i%e President.

Md. Masud Uddin Ahmed- $irst Assistant i%e President.

Md. ofi/ul Islam- ;e%uti*e 8ffi%er.

Sharmin ahman- ;e%uti*e 8ffi%er.

Md. ;shtia Masud- ;e%uti*e 8ffi%er.

$aria Aaiamul $arid- Senior 8ffi%er.

?ahir Uddin- Senior 8ffi%er.

Md. @olam Mostofa- 8ffi%er.

Md. Saidu


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ABSTRACT

his report is an out%ome of the internship pro)ram under the BBA pro)ram re/uirement in

the Prime Ban 6imited. Durin) m+ internship in the or)ani


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( P a ) e

Learnin/ O?ectives!

0) Statement o( the Research Prolem

3) O?ective o( the Study

6) 'ethodolo/y o( the Study

7) Scope o( the study

IN

TRODO

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*1%P#"R 20!IRO-U*#IO&


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1.1 Statement of the Research Problem:Statement of the Research Problem:

In )eneral sense 3e mean GBanH as a finan%ial institution that deals 3ith mone+. here are

different t+pes of ,ans lie entral ,an- ommer%ial ,an- Sa*in)s ,an- In*estment

,an- Mer%hant ,an- ooperati*e ,an et%. But 3hen 3e use the term ,an it )enerall+

means %ommer%ial ,an that %olle%ts the deposit from surplus unit of the so%iet+ and then

lends the deposits to the defi%it units.

>o3a da+s ,anin) se%tor is moderni


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retained- %osts to ,e mana)ed and shareholder *alue to ,e %reated- all in an in%reasin)l+

d+nami% and international en*ironment- 3here failure on an+ of these %ounts %an s3iftl+

lead to the attention of predators- ,oth domesti% and international.

Important to the su%%ess of a finan%ial ser*i%e or)ani


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$rom different ,oos and periodi%als related to the ,anin) se%tor.

$rom internet.

Annual report of Prime Ban 6td.

Pu,lished Boolet of Prime Ban 6td.

arious pu,lished do%uments.

-ata *ollectin/ #echni@ue!

$ort the purpose of the stud+ t3o methods of te%hni/ues used:

8,ser*ation

Inter*ie3

Oservation!

8,ser*ation method is often used to %omplete this /ualitati*e resear%h ,e%ause it is *er+

diffi%ult to pro*ide an+ spe%ifi% eample from an+ file a,out %ertain do%ument- as the

matter is *er+ sensiti*e for the %lient as 3ell as for the ,an.

Interview!

Primaril+ some data are %olle%ted from fa%etofa%e inter*ie3 of different emplo+ees of

Prime Ban 6imited at Sat Mas"id oad Bran%h. B+ fa%e to fa%e %on*ersation 3ith the

Borro3ers and ,+ personal inter*ie3in) it is eas+ to %olle%t the a%%urate

information for the stud+. $or the purpose of this inter*ie3- %ustomers 3ere ased

to fill up a /uestionnaire. Based on their ans3er- it is eas+ to "ustif+ the Borro3ers

Per%eption on Prime Ban 6imited.

1.$ Sco%e of the Stud:

he s%ope of this report is limited to the o*erall des%ription of the

BanK8r)ani


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11 ( P a ) e

Learnin/ O?ectives!

0) Back/round o( Prime Bank Limited

3) Principle activities o( the Bank

6) 'ana/ement 1ierarchy

7) &etwork o( the Bank

:) Ratio %nalysis o( Prime Bank Limited and

their *ompetitors %B Bank Limited

5) S,O# %nalysis

9) Loan *alculator o( Prime Bank Limited

INT

RODUC

TIO

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*1%P#"R 23! *O'P%&8

PRO$IL"


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2.1Bacround of Prime Ban& 'imited:

Durin) the ,oomin) +ears of the ,anin) industr+ of Ban)ladesh- a )roup of hi)hl+ silled

lo%al entrepreneurs %ame up 3ith an idea to float a %ommer%ial ,an 3ith a differentoutloo. he idea 3as to ,uild a ,anin) or)ani


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0) ">tendin/ credit! Pro*idin) %redit to the %lients of the ,an is one of the ma"or

a%ti*ities of the ,an. 6oans and %redits are a*aila,le under different heads- lie:

%ommer%ial loan- loan s+ndi%ation- retail loan- pro"e%t finan%e et%.

3) Import A ">port usiness! he ,an is also effi%ient in import and eport ,usiness.

he)ro3th rate of import ,usiness is CL and )ro3th in eport ,usiness is 11L. he main

items of this ,usiness are: leather- read+made )arments- shrimp- ma%hineries- materials et%.

6) Retail Bankin/: A ,an lie Prime Ban 6imited that )oes 3ith superior ,rand

e/uit+ and a uni/ue ,rand ta) line Ga ,an 3ith a differen%eH- puttin) supreme emphasis on

retail ,usiness has an untapped potential to )enerate *alue. his potential of retail ,anin)

%an ,e tra%ed 3hile thinin) a,out the 6ines of ,usiness in an inno*ati*e 3a+. An effort ,+

retail ,anin) toeplore the untapped ma+ help indu%e those- 3ho 3ait to sa*e mone+ to

,u+ their desired lifest+le at a future time- to %ome and a*ail the retail ,anin) ser*i%es.

etail ,anin) %an pla+ a *er+ si)nifi%ant role in this respe%t ,+ epandin) the prin%iples of

opportunit+ %ost- mar)inal or in%remental and time *alue of mone+ a)ainst the utilit+ of the

desired households. A %onsumer- ,u+in) a retail produ%t throu)h a retail fo%used ,ran%h

ma+ ha*e a small ,usiness ,+ himself 3hi%h ma+ )ro3 ,i) o*er time and ,e%ome a )ood

%orporate %ustomer or su%h a %onsumer 3ho is happ+ 3ith a ,ans ser*i%es- ma+ ,e

3orin) in a %orporate entit+- ma+ influen%e to tae finan%ial ser*i%es from the ,an. hus

retail ,anin) %an enter deep into the heart of the %onsumers 3hi%h is the essential in

,uildin) lon) term %ustomer relationship.

7) *redit *ard!er+ stiff %ompetition pre*ails in %redit %ard maret. Man+ pla+ers ha*e

entered the maret and %ompetition is )ro3in). Prime Ban 6imited started %redit %ard

operation in 1999 ,+ introdu%in) Master ard and is no3 a prin%ipal mem,er of ,oth3orld3ide a%%epted plasti% mone+ net3or i.e. Masterard and ISA thus positioned itself

3ith stron) footin) 3ithin the industr+. It etends *arious ser*i%es to the %redit %ard

%ustomers *i


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%on)enial lendin) produ%ts and ser*i%es so that SM;s %an aspire to opportunities of )ro3th

and 3ealth %reation.

5. $inancin/ women entrepreneurs under S'"!Another nota,le idea in SM; finan%in)

is the de*elopment of 3omen entrepreneurs. Ban)ladesh Ban has earmared 10 per%ent of

SM; related fund for 3omen entrepreneurs. he ,an has desi)ned a separate produ%t

GAn%horH for 3omen entrepreneurs. In the ne3 frame3or of SM;- PB6 is )i*in) top

priorit+ in de*elopin) and harnessin) 3omen entrepreneurs.

9) Islamic Bankin/: Prime Ban started its operations in the +ear 199C as a ,an 3ith a

differen%e- ,lendin) its %on*entional ,anin) s+stem 3ith that of Islami% Banin)

operations ,ased on Shariah prin%iples. $i*e of the ,ran%hes of the ,an pro*ide Islami%

Banin) operations to ser*e the in%reasin) demand of %ustomers for Islami% Banin)

produ%ts and ser*i%es. 8,"e%ti*es of laun%hin) Islami% Banin) 8perations in Prime Ban

are as follo3s:

o %ater to the needs of %ustomers 3ho 3ant to ha*e ser*i%es in Islami% Modes#

o introdu%e the partnership %on%ept of ,usiness operations#

o arran)e for ensurin) "usti%e in distri,ution s+stem use of funds#

o do other a%ts an%illar+ to the esta,lishment of eploitation free so%iet+.

;) 'erchant Bankin/!Mer%hant Banin) and In*estment Di*ision &MB1D' passed

another *er+ su%%essful +ear sin%e it started its "ourne+ four +ears a)o. Durin) 2009- the

%ountr+s %apital maret 3itnessed man+ si)nifi%ant e*ents ran)in) from ,reain) man+

re%ords to poli%+ %han)es. And as our maret matured- 3e 3ere a,le to a%hie*e si)nifi%ant

profit )ro3th and also %ontri,ute to the de*elopment of the maret. In 2009- as per the

,oards ad*i%e- MBID %on%entrated on pro*idin) unparallel portfolio mana)ement ser*i%es

to our %ustomers. he num,er of %ustomers 3ent ,e+ond 2-000 3ith a portfolio si


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'onthly Bene(it -eposit Scheme 'B-SC! Under this s%heme %ustomer %an

deposit a fied amount of mone+ for fi*e +ears .he amount has to ,e 100-000 or multiple

of 100-000 he D she 3ill re%ei*e 900 per month as interest on e*er+ la% durin) those fi*e+ears.

-oule Bene(it -eposit Scheme -BSC! Under this s%heme a %ustomer %an eepa

fied amount of mone+ for si +ear end of the maturit+ period the amount 3ill ,e%ome

dou,le .he amount has to ,e multiple of 2C000.

$i>ed -eposit Receipt Scheme $-RC: Under this s%heme %ustomer %an de*ote a

fied amount of mone+ for one month- three months- si months or t3el*e months forinterest rate of 7.CL- 11L or 11.CL.

*urrent %ccount! urrent A%%ount is a non interest ,earin) %he%a,le deposit

&Demand Deposit' 3hi%h allo3s the o3ner of the ,an a%%ounts to 3rite %he%s to third

parties.

Savin/s account! Sa*in)s A%%ount is an interest ,earin) %he%a,le deposit

&>e)otia,le order of 3ithdra3al' 3hi%h allo3s the o3ner of the ,an a%%ounts to 3rite

%he%s to third parties.

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02) *ustomer *are! PB6s firm %ommitment to e%ellent %ustomer ser*i%e deli*er+ has

resulted to remara,le pro)ress in all areas of operation durin) 2009. PB6 adopted *arious

pa+ment and transa%tion produ%ts and ser*i%es for smooth pa+ments and transa%tions for

the %ustomers. hese in%lude ,oth traditional and modern produ%ts. he ,an is no3 full+

online. raditional produ%ts are used sin%e in%eptions and still dominate the lion share of

the pa+ment and transa%tion of the %ountr+ as the >Bs are still la))in) ,ehind modern

te%hnolo)+ appli%ation. As su%h the traditional produ%ts remained main produ%t for semi

ur,an and rural areas 3here PB6 operates. Eith the li,eralie3 produ%t de*elopment-no3 +our %ustomer pro)ram and redesi)n the eistin) produ%ts 3ere the strate)ies

adopted ,+ the ,an to ser*e the %ustomers differentl+ from the %ompetitors. he

%ontinuous impro*ement in deli*er+ of produ%ts and ser*i%es- redu%tion of turnaround time

for loan pro%essin)- online deposits and remittan%e pa+ment has made the e+

differentiation for 3innin) the %ustomer satisfa%tion. he ,an introdu%ed AM fa%ilities

for the %ustomers in 2005. here are also arran)ements 3ith another ,an for sharin) their

AM ,ooths 3hi%h in%reased the %o*era)e of the Ban o*er 00 AMs lo%ated at different

areas of the %ountr+. he ,an has introdu%ed internet ,anin) in 2009 and has planned to

add De,it %ard- SMS Banin) and ios to its produ%ts and ser*i%es ,asets.

00) Research A -evelopment (or customer Satis(action: In this %ompetiti*e ,usiness

en*ironment- esear%h De*elopment &D' a%ti*ities are thou)ht to enri%h the ,an

3ith ne3 and impro*ed produ%ts- pro%ess and ,usiness a*enues. In that pursuit- PB6s

D a%ti*ities are fo%usin) on three %ore areas: maretin)- operation and ,usiness poli%ies.

D has %ondu%ted num,er of maret sur*e+s and studies on ,usiness related issues 3hi%h

ha*e helped the mana)ement to tae de%isions more appropriatel+ and pro*ide ser*i%es to

%ustomers more effi%ientl+. Some of the initiati*es 3hi%h ha*e assisted the Mana)ement are

hi)hli)hted ,elo3:

;mplo+ee Attitude Stud+

Business $easi,ilit+ Stud+ on Settin) up Bran%h- SM; Ser*i%e enter- AM.

Bran%h SM; Ser*i%e enter ;pansion Pro)ram 2010

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Produ%t De*elopment Stud+: A,ash a =ouse Buildin)

6oan produ%t for %onstru%tion of SemiPu%%a =ouse

Pro"e%t on Premium Banin)

e*ie3 of ustomer Ser*i%e ampai)n 2010

@uideline for Promotin) Prime Ban redit ard

eport on ommodit+ Marets on ;i)ht ommodities &Monthl+'

Pu,li%ation of In $o%us A Monthl+ >e3sletter of D Di*ision &Monthl+'

on%ept >ote on ;nsurin) Ser*i%e Fualit+

on%ept >ote on ;nsurin) Ser*i%e Fualit+

M+ster+ Shoppin) Sur*e+ on all entre.

03) O((shore Bankin/! PB6 is %aterin) the ,anin) re/uirement of nonresident

%ustomers throu)h 2 8ffshore Banin) Units &8BU' lo%ated in Dhaa ;port Pro%essin)

None and hitta)on) ;port Pro%essin) None. 8ffshore ,anin) a%ts as a uni/ue solution

for Bans a%ross the )lo,e to %arr+ out international ,anin) ,usiness in*ol*in) >on

esident forei)n %urren%+ denominated assets and lia,ilities tain) the ad*anta)es of lo3

or noneistent taesK le*ies and hi)her return on in*estment. Prime Ban has one more

8BU at Adam"ee ;PN 3hi%h is +et to start its 8ffshore Banin) operation. In 2009- 8ff

shore ,anin) has made a %umulati*e profit of USD 0.C million as a)ainst %umulati*e

profit of USD 0.1! million in 2005.

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2.! "ana#ement (ierarch:

Source! 1ead o((ice o( Prime Bank Limited

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2.!.1 Sat "asjid Road Branch)s "ana#ement (ierarch:

Source! Sat 'as?id BranchE Prime Bank Limited

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2.$ *et+or& of the Ban&:

he first ,ran%h opened ,+ Prime Ban is the =ead 8ffi%e in Moti"heel- Dhaa. It 3as

opened at the time the ,an started its ,usiness in April 17- 199C. $rom then Prime Ban

has %ontinued its"ourne+ and emer)ed its net3or ,+ openin) ,ran%hes in ma"or distri%tsof our %ountr+. he total num,er of ,ran%hes no3 is 97. $ollo3in) %hart sho3n &All the

,ran%hes are not here':

Source! 1ead O((ice o( Prime Bank Limited

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2., Ratio Analsis of Prime Ban& 'imited and their com%etitor)s

AB Ban&:

*ost o( $und!ost of fund refers to ho3 mu%h %ost is in%urred to ,orro3 fund i.e. %apital.

A%%ordin) to the ratios ,ased on different +ears- it is e*ident that ,orro3in) mone+ is

%ostlier to AB Ban- as opposed to Prime Ban. hus I ha*e found the remara,le

%ompetiti*e ad*anta)e of Prime Ban 6imited o*er its %ompetitor %onsiderin) the %ost of

funds.

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Return on Investment ROIC!8I refers to the amount of )ain from in*estment. he

2010 fi)ures sho3 that AB ,an is 3ell ahead in terms of 8I %ompared to Prime

Ban. he 8I of Prime Ban on 2010 3as 1.02L 3hereas 8I of AB Ban 3as 2.72L-

this sho3s AB Ban is maintainin) a ,etter position than Prime Ban in terms of 8I. But

it is to ,e noted that a hu)e portion of profit )ained ,+ AB Ban throu)h Mer%hant

Banin)- 3hi%h is ,ased on *olatile %apital maret.

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Return on %sset RO%C!8A depi%ts the effi%ien%+ of a %ompan+ in mana)in) fied

assets. he AB Ban has a hi)her 8A as opposed to Prime Ban# therefore it pro*es

that AB Ban mana)es its assets 3ith distin%ti*e effi%ien%+ %ompared to Prime Ban.

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&et Pro(it 'ar/in!he net profit mar)in of Prime ,an is hi)her than that of AB Ban

3hi%h means- Prime Ban is effi%ient in mana)in) %ost a)ainst AB ,an- 3hen it %omes to

%omparison. he o*erall profit position of Prime Ban 6imited is so far ,etter than that of

AB Ban.

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*apital %de@uacy Ratio!Ban maintains a minimum apital Ade/ua%+ atio &A' of at

least 9 per%ent of is Eei)hted Assets &EA' 3ith %ore %apital &ier1' not less than C

per%ent of EA. apital re/uirements are assessed for %redit- maret and operational riss.

he Bans %apital ade/ua%+ ratio is periodi%all+ assessed and re*ie3ed ,+ the A68 and

reported to =ead 8ffi%e. Prime Ban has %onsolidated %apital ade/ua%+ ratio of 11.9L-

3hile AB Ban has A 9.91L 3hi%h is lo3er than that of Prime Ban 6imited. hus-

Prime Ban is maintainin) ,etter %apital stru%ture than that of AB Ban.

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2.- SOT Analsis of Prime Ban& 'imited:

;*er+ or)ani


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2./ 'oan Calculator of Prime Ban& 'imited:

$ollo3in) %al%ulator is eas+ to %al%ulate all the loan produ%ts.

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0 ( P a ) e

INTRODUC

TIO

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INTRODUCTIO

N

0) $indin/s in -i((erent Situations

*1%P#"R 26! $I&-I&.S O$

#1" S#U-8


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!.1 0indin#s in ifferent Situations:

6)0)0 Loan Packa/es o( Prime Bank Limited!In this anal+sis se*eral people stron)l+

a)rees that the+ no3 the loan produ%ts of Prime Ban 6imited. Most of the people a)ree

3ith this produ%t. So it %an ,e said that the loan produ%t of Prime Ban 6imited is

satisfa%tor+. People ha*e trust on loan produ%ts of Prime Ban 6imited.

6)0)3 Repayment o( Loan y Prime Bank Limited Borrowers!=ere tenure to pa+

the loan and the installment amount is rele*ant. Most of the ,orro3er a)rees 3ith the tenure

so people ha*e trust on this issue. At the same time most of the ,orro3er pa+in) their loan

installments re)ularl+. Ban taes re)ular a%tion in %ase of loan. Borro3er thins that loan

maturit+ period is perfe%t. he+ stron)l+ a)ree 3ith this.

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6)0)6 #erms and *onditions o( Loan Packa/es! After sur*e+in) amon) the

,orro3ers- 3e %an sa+ that their %ollateral re/uirements are reasona,le. In some %ases their

position is neutral. Borro3ers opine neutrall+ a,out the loan %o*enants of Prime Ban

6imited.

6)0)7 *omparison with *ompetitors!After sur*e+in) amon) the ,orro3ers- it %an ,e

said that the loan pa%a)es of Prime Ban 6imited are ,etter than an+ other ,an. Most of

the ,orro3ers a)ree 3ith this opinion. Besides this- most of the ,orro3ers a)ree that loans

from non ,ans are more attra%ti*e. Borro3ers also a)ree that a*era)e mar)in of loan is

reasona,le. At the same time Bans mar)in on risier loans is reasona,le.

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6)0): Borrowers Satis(action level!After sur*e+in)- 3e %an sa+ that ,orro3ers )et

/ui% response from Prime Ban 6imited. Most of the ,orro3ers a)ree that their ,eha*ior

is friendl+. Most of the ,orro3ers are happ+ 3ith the ser*i%es of Prime Ban 6imited. At

the same time most of the ,orro3ers sho3 satisfa%tion o*er the loan ser*i%es forms Prime

Ban 6imited.

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! ( P a ) e

Learnin/ O?ectives!

0) Summary o( the study

3) RecommendationsINTRODU

CTIO

N

*1%P#"R 27! SU''%R8

%&- R"*O''"&-%#IO&


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$.1 Summar of the Stud:

Prime Ban is an emer)in) ,an. he ,an has onl+ %ompleted a de%ade of ,anin)

ser*i%es. At the initial sta)e of ,usiness- e*er+ institution has to )o throu)h the diffi%ult

path of sur*i*al. o a%hie*e the %onfiden%e of the ,orro3ers- the ,an must ee%ute some

impro*ements in its maretin) and operational areas Prime Ban 6td should tr+ to 3in

,orro3ers faith ,+ pro*idin) them effi%ient and dependa,le ser*i%es- %redit fa%ilit+ and

updatin) 3ith user friendl+ modern te%hnolo)ies. he ,an should redesi)n all sorts of

,anin) pro%edures to ,e more userfriendl+- attra%ti*e and impressi*e.

Prime Ban limited started 3ith a *ision to ,e the most effi%ient finan%ial intermediar+ in

the %ountr+ and it ,elie*es that the da+ is not far off 3hen it 3ill rea%h its desired )oal. It

loos for3ard to a ne3 hori


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he ,an should tr+ to arran)e more trainin) pro)rams for their offi%ials.

Fualit+ trainin) 3ill help the offi%ial to enri%h them 3ith more re%ent

no3led)e of ,anin) and impro*e their sill.

8*er ,urden of 3or and ill defined assi)nment una,le the emplo+ee todis%har)e their duties in %ool manner. It is also %reates a ha


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7 ( P a ) e

Learnin/ O?ectives!

0) Bilio/raphy

3) %ppendi>

*1%P#"R 2:!

BIBLIO.R%P18 %&-

%PP"&-I=


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,.1 Biblio#ra%h:

,.1.1 Boo&s and %ublications:

1. Ahmed >asiruddin. &1959' - Banin) and $inan%e ompendium: 1stedition .

Standard printin) and pa%a)es: Dhaa.

2. Star Business >e3s . &2005'. Prime Ban 6aun%hes rainin) pro)ram.

. Prospe%tus of prime ,an ltd.

!. Ban)ladesh Institute of Ban Mana)ement- %ppraisal o( *ustomers

Services o( Scheduled Banks o( Ban/ladesh)

C. Banin) theor+ and pra%ti%e ,+ Shehar.

,.1.2 ebsites:

1. 333.prime,an.%om.,d

2. 333.a,,an.%om.,d

. 333.3iipedia.%om

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http://www.wikipedia.com/http://www.wikipedia.com/


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,.1.! uestioners:

Borrowers Perception on Prime Bank Limited

As an intern student of the Uni*ersit+ of 6i,eral Arts Ban)ladesh OU6AB- I ha*e

initiated a resear%h stud+ on the GBorro3ers Per%eption on Prime Ban 6imitedH. I

3ant to assess the 6oan satisfa%tion le*el of %ustomer. 4our response %ooperation

3ill ena,le me to identif+ the ma"or fa%tors ,ehind %ustomer 6oan satisfa%tion in

Prime Ban 6imited. han +ou in ad*an%e for +our %ordial parti%ipation.

I$ AS;D: his sur*e+ 3ill tae approimatel+ 10 1C minutes. 4ou ha*e ,een sele%ted at random- and I )uarantee +our identit+ 3ill ,e held

in %onfidential and the ans3ers +ou pro*ide 3ith 3ill remain totall+

anon+mous.

4ou %an refuse to ans3er an+ of the /uestions.

he results 3ill ,e used for a%ademi% purpose onl+.

1. In 3hi%h Bran%h do +ou ha*e an a%%ountJ

>ame of the Bran%h: QQQQQQQQQQQQQQQQQQQQQQQQQQQQ

2. In 3hi%h area is it lo%atedJ

Area:QQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQ

. +pe of a%%ount R

urrent $ied Sa*in)s

!. =o3 man+ times do +ou )o to the ,an in a 3eeJ

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2 times ! times 75 times

C. =o3 do +ou no3 a,out this ,anJ

>e3spaper Internet adio

elati*es 8thers

8ou will now e /iven a series o( statements re/ardin/ your evaluation o( *ustomer

Satis(action) Please indicate the e>tent to which you a/ree or disa/ree with the statement

usin/ a 7 point scale where 9 indicates your stron/ a/reementE 5 A : indicates

normally a/reementE 7 A 6 indicates neutralE 3 indicates normally disa/reement A

0 indicates your stron/ disa/reement) 8ou may select any numer etween 0 A 9 to

indicate the e>tent o( your a/reement) 8ou may also choose -+ F-ont +nowG or &D%

F&ot applicaleG) #here is no ri/ht or wron/ answer)

Please answer all the @uestions considerin/ the prime ank limited that you

chose in

Question 6Sl

>o

Statement Stron)l+

a)ree

Stron)l+

Disa)ree

D >KA

1. 4ou no3 a,out the 6oan Produ%ts of

PB6

7 C ! 2 1

2. 4ou ha*e a*ailed of an+ 6oan from

PB6

7 C ! 2 1

. It &6oan' too to pro%edure lon) time 7 C ! 2 1

!. har)esKPro%essin) fee is reasona,le 7 C ! 2 1

C. 4our tenure to pa+ the loan and the

installment amount is 3ell

7 C ! 2 1

. 4ou are pa+in) the loan installment

re)ularl+

7 C ! 2 1

7. If an+one %annot pa+ installment

re)ularl+ then a%tions ha*e ,een

taen ,+ the ,an

7 C ! 2 1

5. ollateral re/uirements are

reasona,le

7 C ! 2 1

9. 6oan %o*enants 7 C ! 2 1

10. PB6 loan pa%a)es are ,etter thanfrom other ,ans

7 C ! 2 1

11. PB6 loans are more attra%ti*e from

non,ans

7 C ! 2 1

12. 6oan Maturit+ is perfe%t 7 C ! 2 1

1. >ature of 6oan is ade/uatel+

mentioned in the produ%t list of PB6

7 C ! 2 1

1!. PB6 has %ompetiti*e ad*anta)e o*er

its %ompetitors

7 C ! 2 1

1C. 4ou are satisfied 3ith their ser*i%e of

ea%h des

7 C ! 2 1

1. PB6 has al3a+s notified an+ %han)e

of terms and %onditions or e*en

interest rates

7 C ! 2 1

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17. If there is an+ o,"e%tion- +ou )et

/ui% response from the PB6

7 C ! 2 1

15. Beha*ior of the emplo+ees are

friendl+

7 C ! 2 1

19. 4ou are satisfied 3ith the loan from

PB6

7 C ! 2 1

A)e: 152 2!C C0 C0

@ender: Male $emale

Married: 4es >o

;du%ation: Primar+ Se%ondar+ =i)her Se%ondar+

Ba%helors Masters P=D

8%%upation: Student Ser*i%e Business 8thers

8%%upation se%tor: @o*t. Pri*ate >@8 8thers

Ehi%h residential area do +ou li*e in

QQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQ


QQQQQQQQQQQQ

Ehats +our opinion to impro*e the ser*i%es of Prime BanJ If an+ R



QQQQQQQQQQQQQQQQQQ

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han +ou for +our ind %ooperation and sa%rifi%e

,.2 A%%endi3:

,.2.1 Ratio analsis information of Prime Ban& 'imited and AB

Ban&:

,.2.1.1 Performance at a 4lance:

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Prime Bank Limited


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,.2.1.2 Statement of Com%rehensive 5ncome:

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,.2.1.$ Statement of 0inancial Position:

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,.2.1., 0inancial (i#hli#hts:

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!5 ( P a ) e


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!9 ( P a ) e


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,.2.1.- 4ra%hical Presentation:

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,.2.1./ 0inancial 5nformation 62717 and 27789:

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%B Bank Limited


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0inancial 5nformation 6277 and 277/9:

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Borrower’s Perception On Prime Bank

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