Internship Report of Proma

8/10/2019 Internship Report of Proma

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INTRODUCTION

1.1Introduction

Bangladesh is one of the largest Muslim countries in the world. The people of the Muslim

community wishes to design their economic activities in accordance with the percepts of

Islam so the establishment of Islamic Bank in Bangladesh is the true reflection of long days

deep cry in their heart.

The Objective of Islamic Banking is not only to earn profit, but also to do good and welfare

to the people. Islam upholds that, money, income and property belong to Allah and this

wealth is to be used for the good of the society. Islamic Banks operate their banking activates

based on the Islamic principles of profit and loss sharing and strictly avoiding interest.

This report is prepared on the Service analysis of General Banking Division & Accounts

Department. A study on Dhaka main branch of Shahjalal Islami Bank limited. Shahjalal

Islami Bank Limited,a Shariah Based Commercial Bank in Bangladesh was incorporated as a

Public Limited Company on 1st April, 2001 under Companies Act 1994. The Bank

commenced commercial operation on 10thMay 2001 by opening its 1st branch, i.e. Dhaka

Main Branch at 58 Dilkusha, Dhaka, obtaining the license from Bangladesh Bank, the Central

bank of Bangladesh. Its corporate head office is situated at Uday Sanz, Plot No. SE (A),2/B

Gulshan South Avenue, Gulshan 1, Dhaka-1212.The Bank opened 2 branches in 2001, 6

branches in 2004, 4 branches in 2005, 5 branches in 2006, 5 branchres in 2007, 7 branches in

2008,18 branches in 2009 and12 branches in 2010. Total number of branches stood at 63 in

2010 and the Bank opened 2 SME Centers and 3 branches of brokerage House in 2009 at

important locations of the country. Total deposit of Shahjalal Islami Bank Limited stood Tk.

54,447.07 million on 31.12.2010 as against Tk.47, 459.23 million of 31.121.2009 registering

an increase of Tk. 6987.84 million i.e. 14.72% growth. This was possible due to superior

customer service delivery at the branch level, expansion of branch network to rural areas

where foreign remittance flow is significant. Extension of branch network in rural areas has

provided the lower income group an access to modern banking system and prompt receipt of

remittance. Deposit is the life blood of the bank. Bank has also given utmost importance in

mobilization of deposits introducing a few popular and innovative schemes.


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1.2Background of the Study

The BBA program is designed to focus on theoretical and professional development of

people that they can take up the business as a profession and can do success in their career.

For this reason the student have to complete the internship course and prepared a report on

internship work. I have prepared this report on Services analysis of Investment Division

and Accounts Department based on the Internship experiences on Dhaka Main Branch of

Shahjalal Islami Bank Ltd. This research is an exploratory research in nature and especially I

tried to focus the internal operational activities of the bank.

1.3 Signi f icance of the Study

The readers of the report have a clear knowledge about the Islami Banking and get a detail

overview about the Shahjalal Isalmi Bank Ltd. From the learning part of the report the

readers can learn the advantages of various services of Investment division and the financial

condition of Dhaka main branch through graph and chart, Accounts Departments activities

and some suggestions about further development of the bank.

As the study has covered the banks services and internal activities .It will help the newly

entered employees to learn the internal activities. The potential customers can know the

features and advantages of investment products and services from the reports. The Board of

Directors can see the suggestions of the report and Shareholders can learn from the report

about the entire organizational overview. Last of all it helps the internee students to learn

about Investment Division and Accounts Department of Dhaka main branch.


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1.4Objectives of the Study:

The general objective of this report is to analysis the Services and product features of

Shahjalal Islami Bank Limited and also describing the service operating activities of

Investment Division and Accounts Department. The Specific objectives of this report are

given bellow:

Provide an Overview of Shahjalal Islami Bank Limited;

To focus on services of Shahjalal Islami Bank Limited.;

Compare the impacts on financial performance by investment divisions of the Dhaka

main branch among as far as possible current and previous years and highlight the

development flows of the bank;

Describe the activities of Accounts Department;

Analyze, recommended some suggestions for the banks further development;


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1.5 Methodology

This research is an exploratory research in nature, because this research has developed a

deeper understanding of different types of banking activities from an operational perspective

that a bank performs to serves its services to its customers and discover inner insights and

ideas that have potential business opportunities.

To prepare this research report primary and secondaryboth types of data have been used.

Secondary data have been collected from the following sources:

Annual Report 2009 of Shahjalal Islami Bank Limited.

Writings from Previous Internship report.

Banks website:www.shahjalalbank.com.bd

Different websites.

Internal Records of Accounts Department.

Various Documents from Investment Division.

Reference Books on Islami Banking.

Primary data have been collected as follows:

Target populations: The Employees of Shahjalal Islami Bank Limited, Dhaka MainBranch are the population of this study. The number of employees of Dhaka main branch

is 110.

Sampling frame: Different department-In-charge of Shahjalal Islami Bank Limited,

Dhaka Main Branch and respective officers of each department who have minimum two

years banking experiences are the sample frame.

Sampling technique: In this research report to select the sample (respondents) for

primary data collection, Convenience sampling methods of Non probability sampling

technique has been used.

Reduce sampling bias/ error: To reduce sampling bias or error cross checking method

has been applied which is asking similar issues to different respondents and matching

their responses.

Sample Size:The sample size of this study is 30 employees of Shahjalal Islami Bank

Limited, Dhaka Main Branch.
http://www.shahjalalbank.com.bd/http://www.shahjalalbank.com.bd/


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Methods of data collection:The data has been collected through as follows:

I.

Observation of banking activities

II. Direct interview and conversation with different department-In-charge of Shahjalal

Islami Bank Limited, Dhaka Main Branch.

III.

Discussions and face to face interview with the respective officers of different

departments.

IV. Experiences gained during performing duties.

Execution: Data has been analyzed through qualitative analysis method by using Ms

Word software and to show the numerical comparison, tables, charts and different

diagrams have been used in this report.

1.6 Time Schedule:

I have started my internship in Shahjalal Islami Bank Limited on 1 stJanuary, 2012. I have

worked in the Accounts Departments Transaction checking unit. Accounts Department

works under the General Banking Division. Whole General banking transactions are checked

by the accounts officers. The time schedule of the work that I was performed in the

Transaction checking section shown in bellow in WEEKS:

Table 1: Work Schedule

Transactions 1st 2nd 3rd 4th 5th 6th 7th 8th 9th

Cash

Clearing

Transfer

GL

Online


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1.7 L imi tations of the Report:

This report is prepared based on my practical experience of working Shahjalal Islami Bank

Limited, observation to other employees activities and the information that I was able to

collect from them through direct interview. In collection to the necessary information for the

report I had to face some difficulty and I was not able to prepare such a report which has no

limitations. This report has several limitations.

The limitations of the report are:

I was working to the accounts department of Dhaka main branch of Shahjalal Islami

bank limited so after working the whole day in the accounts department, it was very

difficult to me to know and learn about the general banking activities.

The employees of the bank maximum time have to busy with their official work so

they had not sufficient time for providing information to me.

The bank had not sufficient record on different departmental activities; bank had no

prospectus and brochure.

I have to face much difficulty in collection of previous financial information of the

bank.

There were some restrictions to have access to the information confidential by

concern authority.

I worked on the Dhaka main branch of Shahjalal Islami bank limited. So I learned

about the activities of Head Office through hearing not in the practical way.

Last of all, three month is very limited time to gain practical knowledge and prepare a

report. So shortage of time is a major drawback for the whole study.


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PROFILE OF SHJIBL

2.1 Background of Shahjalal I slam Bank L imited

Shahjalal Islami Bank Limited (SJIBL) commenced its commercial operation in accordance

with principle of Islamic Shariah on the 10th May 2001 under the Bank Companies Act,

1991. During last nine years SJIBL has diversified its service coverage by opening new

branches at different strategically important locations across the country offering various

service products both investment & deposit. Islamic Banking, in essence, is not only

INTEREST-FREE banking business, it carries deal wise business product thereby generating

real income and thus boosting GDP of the economy. Board of Directors enjoys high

credential in the business arena of the country, Management Team is strong and supportive

equipped with excellent professional knowledge under leadership of a veteran Banker Mr.

Md. Abdur Rahman Sarker.

2.2 Stock Summary:

Authorized Capital Tk. 4,000 million

Paid up Capital Tk. 2,245.98 million

Face Value per Share Tk. 100


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2.3Corporate Informations

Name of the company Shahjalal Islami Bank Limited

Legal form A public limited companyincorporated in Bangladesh on

1st April 2001 under the companies Act 1994 and listed in

Dhaka Stock Exchange Limited and Chittagong Stock

Exchange Limited.

Registered Office Jiban Bima Bhaban

Front Block (4th Floor) 10, Dilkusha Commercial Area

Dhaka-1000.

Telephones 88-02-9570812, 7160591

Fax No 88-02-9570809, 9553562

E-mail [email protected]

Website www.shahjalalbank.com.bd

Legal Advisor Hasan & Associates

Chamber of Commerce Building

(6th floor), 65-66 Motijheel C/A, and Dhaka

Tax Advisor M/S K.M Hasan & Co.

Chartered Accountants

87, New Eskaton Road,Dhaka

Phone: 88-02-9351457, 9351564

SWIFT BIC SJBL BD DH

No. of Branches 51
http://www.shahjalalbank.com.bd/http://www.shahjalalbank.com.bd/


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2.4 Board of Directors

Chairman

Alhaj Engr. Md. Towhidur Rahman

Vice Chairman

Alhaj Mohiuddin Ahmed

Alhaj Md. Sanaullah Shahid

Directors

Alhaj Sajjatuz Jumma

Alhaj Anwer Hossain Khan

Alhaj Mohammed Faruque

Alhaj Tofazzal Hossain

Alhaj Md. Harun Miah

Alhaj Mohammed Farooq

Alhaj Mohammed Hasan

Alhaj Md. Abdul Barek

Alhaj Syed Nurul Arefeen

Alhaj Md. Solaiman

Alhaj Abdul Halim

Alhaj Akkas Uddin Mollah

Alhaj Khandoker Sakib Ahmed

Alhaj A.K. Azad


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2.5 Vision of SHJIBL

To be the unique modern Islami Bank in Bangladesh and

to make significant contribution to the national economy

and enhance customers' trust & wealth, quality investment,

employees' value and rapid growth in shareholders' equity.

2.6 Mission of SHJIBL

To provide quality services to customers.

To set high standards of integrity.

To make quality investment.

To ensure sustainable growth in business

To ensure maximization of Shareholders' wealth.

To extend our customers innovative services acquiring

state-of-the-art technology blended with Islamic

principles.

To ensure human resource development to meet the

challenges of the time.


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2.7 Strategies of SHJIBL

To strive for customers best satisfaction & earn their

confidence.

To manage & operate the Bank in the most effective

manner.

To identify customers needs & monitor their perception

towards meeting those requirements.

To review & updates policies, procedures & practices to

enhance the ability to extend better services to the

customers

To train & develop all employees & provide them adequate

resources so that the customers needs are reasonably

addressed

To promote organizational efficiency by communicating

company plans, polices & procedures openly to the

employees in a timely fashion.

To cultivate a congenial working environment.

To diversify portfolio both the retail & wholesale markets.

2.8 MottoOF SHJIBL

Committed to Cordial Service.


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2.9 Audit Committee:

Chairman:

Alhaj Anwer Hossain Khan

Members:

Alhaj Md. Sanaullah Shahid

Alhaj Nazmul Islam Nuru

Md. Emran Hossain,

2.10 Shari ah Council:

Shariah Council of the Bank is playing a vital role in guiding and supervising the

implementation and compliance of Islamic Shariah principles in all activities of the Bank

since its very inception. The Council, which enjoys a high status in the structure of the Bank,

consists of prominent ulema, reputed banker, renowned lawyer and eminent economist.

Members of the Shariah Council meet frequently and deliberate on different issues

confronting the Bank on Shariah matters. They also conduct Shariah inspection of branches

regularly so as to ensure that the Shariah principles are implemented and complied with

meticulously by the branches of the Bank.


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2.12 Management with change of commends of Shahjalal Islami Bank

Limited:

Top Level Management

Chairman

Board of Directors

Executive Committee

Shariah Council

Managing Director(MD

Executive Level Management

Deputy Managing Director(DMD)

Senior Executive Vice President(SEVP)

Executive Vice President(EVP)

Senior Vice President(SVP)

Vice President(VP)

Senior Assistant Vice President(SAVP)

Assistant Vice President(AVP)

Mid Level Management

Assistant Vice President (AVP)

Senior Executive Officer (SEO)

Executive Officer (EO)

Principal Officer(PO)

Senior Officer (SO)

Entry Level

Management Trainee Officer(MTO)

Junior Officer(JO),

Assistant Officer(AO), Officer,

Trainee Officer(TO)


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2.13 SWOT ANALYSIS OF SJIBL

STRENGTHS WEAKNESSES

Experienced top management. Limited market share.

Satisfactory capital base. Exposure to large loan-

Low infection in loan Excessive dependency on term deposit.

exposure. Weak fund management. Prospective IT infrastructure. High cost of fund.

Islamic Branch funds are not ring

fenced.

OPPORTUNITIES THREATS

Regulatory environment Increased competition in the market for

favoring private sector quality assets.

Development. Supply gap of foreign currency.

Credit card. Over all liquidity crises in money

Small and medium

Enterprises.


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2.14 Function of SJIBL

The operation of SJIBL can be divided into 3(three) major categories:

It Includes-

a) Mobilization of deposits.

b)

Receipt and payment of cash

c) Handling transfer transaction

d) Operation of clearing house.

e) Maintenance of accounts with Bangladesh Bank and other banks.

f)

Collection of cheque and bill.

g) Issue and payment of Demand Draft and Payment Order.

h)

Maintenance of internal accounts of the bank.

SJIBL offers to open the following account to the depositors:

Al-Wadiah Current Account, Mudarabah saving Account, Madarabah Term Deposit

Account, Mudarabah Special Notice Deposit Account, Mudarabah Monthly Deposit

Scheme, Mudarabah Millionaire Scheme, Mudarabah Hajj Deposit Scheme, Mudrabah

Mohor Deposit Scheme, Mudarabah Education Scheme.

2.14. a Foreign Exchange Business:

Foreign Exchange Business plays a vital role inproviding substantial revenue in the bank

income pool. Like all modern banks SJIBL operates in the area of the foreign exchange

business.

2.14. b Investment and other activities:

Investment is one of the most important activities in banking .Like other banks SJIBL is

investing its funds in different sectors. Its some important schemes are Small Business

Investment Scheme, Household Durable Investment Scheme, Cur Purchase Investment

Scheme, Overseas Employment Investment Scheme, Investment Scheme for Executive,

Investment Scheme for CNG Conversion, Marriage investment Scheme etc.

Besides these activities, SJIBL performs different activities for the welfare of the society.


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INVESTMEMT

The special feature of the investment policy of the Islamic banking is to invest on the basis of

profit loss sharing system in accordance with the tents and principle of Islamic sharah.

Earning profit is not only motive and objective of the banks investment policy rather

emphasis is given is attaining social good and in creating employment opportunity.

Pursuant to the investment policy adopted by the bank at 7 years perspective investment plans

aims at diversification of the investment portfolio by size, sector, geographical area,

economic purpose and securities to bring in phased all sectors of the economy and all types of

economic groups of the society within the fold of banks investment operations.

According the plan envisages composition of the investment portfolio with for agriculture

and rural investment, 16% for industrial term investment, 14% for industrial working capital

6% for housing and real estate, 6% for transport and communication, 2% for electricity, gas,

water and sanitation services, 2 % for storages 40% for import and local trade related

activates and 1% for other productive purposes by the end of the plan period.

3.1 I nvestment Poli cy of SJI BL

Investment operation of a bank is very important as the greatest share of total generates from

it. Maximum risk is centered in it and the very existence of a bank mostly depends on prudent

management of its investment port folio. For efficient deployment of mobilized resources in

profitable, safe and liquid sector a sound, well- defined and appropriate investment policy in

necessary.

The important feature of the investment policy of the bank is to invest on eh basis of profit

loss sharing system in according with the tenets and principle of Islamic sharah. Earning of

profit is not the only motive and objective o the bank investment policy rather emphasis is

given in attaining social good and in creating employment opportunities.


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3.2 I nvestment objective of I BBL

The objective and principles o investment operation of the banks are:

The investment fund strictly in accordance with the principle of Islamic Shariah.

To diversifies its portfolio by size of investment, by sectors (public and private), by

economic purpose, by securities and by geographical area including industrial,

commercial and agricultural.

To ensure mutual benefit both for the bank the investment client by professional

appraisal of investment proposals, judicious of investment, close and constant

supervision and monitoring therefore.

To make investment keeping the social- economic requirement of the country in view.

To increase the number of potential investors by making participatory and productive

investment.

To do away with disparity and establish justice in trade, commerce and Industry.

To diversify its investment portfolio by size of investment portfolio by sectors (Public

&Private), by economic purpose, by securities and by geographical area including

industrial, commercial & agricultural.

To ensure mutual benefit both for the bank and the investment client by professional

appraisal of investment proposals, judicious sanction of investment, close and

constant supervision and monitoring thereof.

To make investment keeping the socio economic requirement of the country in view.


investment.

To finance various development schemes for poverty alleviation, income and

employment generation with a view to accelerate sustainable socio-economic growth

and enlistment of the society.

To invest in the form of goods and commodities rather than give out cash money to

the investment clients.


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3.3 Objectives and pr inciples of I nvestment operations

The objectives and principles of investment operations of the Bank are:

To invest fund strictly in accordance with the principles of Islamic shariah.

To do away with disparity and establish justice in trade, commerce and Industry.

To diversify its investment portfolio by size of investment portfolio by sectors

(Public &Private), by economic purpose, by securities and by geographical area

including industrial, commercial & agricultural.

To ensure mutual benefit both for the bank and the investment client by professional

appraisal of investment proposals, judicious sanction of investment, close and

constant supervision and monitoring thereof.

To make investment keeping the socio economic requirement of the country in view.


investment.

To finance various development schemes for poverty alleviation, income and

employment generation with a view to accelerate sustainable socio-economic growth

and enlistment of the society.

To invest in the form of goods and commodities rather than give out cash money to

the investment clients.

To contribute to social enlistment and sustained Economic growth of the country.

To ensure avoid all the investment forbidden by the Islamic shariah.

Investment to trade, commerce, Industry, Foreign trade, IT, small scale industry,

transportation, service sector.


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3.4 Investment Pricing Techniques

The pricing of investment products shall be judiciously and appropriately made taking in

view the bank rate, cost of fund, risk factor involved, ruling investment prices of the banking

sector, demand/ supply interaction of the investment products, socioeconomic impact of

investment product, and national priority. Flexibility and competitiveness shall also be taken

into consideration to ensure that the pricing is appropriate and competitive for easy marketing

of the products, to yield fair rate of return on investment as well as to uphold the social

welfare objective of the special investment schemes. The pricing shall be received and

evaluated from time to time and be adjusted as per prevarication situation and experiment.

The price of an investment is the resume profit that the buyers (investment client) must

pay to the seller (bank): in addition. To the amount principle.

The price of the profit of an investment is determined by the true cost of invest to the

bank (base rate) plus profit / risk premium for the banks service land acceptance of the

risk.

The components of the True cost of an investment are:

Administration cost

Cost of capital

These two components add- up- to the banks cost

Administration cost = Administration cost

Cost of capital = purchase price (cost) + administration cost+ agreed Profit

(Fixed in lumsum or in percentage of the cost price of goods)


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3.5.b SME Banking:

SME investment products:

Prottasha for Small Enterprises

Prottasha for Women Entrepreneur

Prottasha for Small Enterprises:

Shahjalal Islami Bank Limited (SJIBL) is firmly committed to implement and materialize the

economic and financial principles of Islam in the Banking Arena. The very essence of Islamic

mode of banking is to remove the disparity through establishing equity justice in trade,

commerce and industry sector, creating opportunities for employment, boosting up income

generations which ultimately help alleviation of poverty from the society.

Keeping the view and as an active contributor in the economic growth of Bangladesh,

Shahjalal Islami Bank Ltd. has initiated SME Investment throughout the country.

Target Group

Small sized Trading, Manufacturing and Service oriented business

Small Agro-based industries and non-firm business

Purpose

To meet Working Capital requirements of an existing business

To purchase fixed assets for an existing business except land and building

Investment ceiling:Minimum Tk. 2.00 lac and maximum Tk. 30.00 lac

Tenor: Minimum 12 months and maximum 36 months

Repayment:By easy monthly installment

Profit Rate: Most competitive in the market

Security

Personal guarantee

Collateral security (case to case)


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3.5.c Prottasha for Women Entrepreneur:

It is well-known that women's empowerment and economic development go hand-in-hand.

Now a day Women Entrepreneurs are receiving greater attention from policymakers and

experts in developed and developing countries. In our country, Women Entrepreneurs are

also encouraged to contribute to the national economy through establishing and expanding

small & medium enterprises all over the country.

Shahjalal Islami Bank Limited (SJIBL)is extending investment to Women Entrepreneurs

for their business all over the country through its Small & Medium Enterprise (SME)

Investment program on easy terms and conditions.

Target Group

Small sized Trading, Manufacturing and Service oriented business

Small Agro-based industries and non-firm business

Purpose

To meet Working Capital requirements of an existing business

To purchase fixed assets for an existing business except land and building

Investment ceiling

Minimum Tk. 2.00 lac and maximum Tk. 15.00 lac

Tenor

Minimum 12 months and maximum 36 months

Repayment

By easy monthly installment

Profit Rate

Most competitive in the market

Security

Personal guarantee

Collateral security (case to case)


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3.5.d Small Business Investment Scheme

Target groups

Small Businessmen like Wholesaler, Retailer, Small Manufacturer/Producer and

Trader etc.

Self-Employed Person like Doctors/Engineers/Professionals etc.

Small & Cottage Industries.

Other existing & new small business, micro & small industries and commerce.

Mode of Investment

Hire Purchase under Shirkatul Meelk (HPSM)

Lease/Ijara

Bai-Muajjal-Commercial-TR

Bai-Muajjal (Term)

Ceiling of Investment

The amount of investment shall be Tk 50,000/- to Tk 5,00,000/- (Taka fifty thousandto Taka five lac).

Maximum ceiling of the investment will be Tk 3,00,000/- (Taka three lac) only for

any region other than Dhaka & Chittagong Metropoliton Area. However, investment

may be extended beyond the ceiling at the discretion of the Management.

Bank investment-Client equity ratio where applicable shall be 60:40.

Tenure of Investment

In case of HPSM, Lease and Bai-Muajjal (Term):

Maximum tenure will be 3 years i.e. 36 months (a period of 3 months may be allowed as

grace period to the deserving client)

In case of Bai-Muajjal- Commercial-TR:

Maximum tenure will be 1 year i.e. 12 months and renewable on satisfactory performance.


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Rate of Profit/Rent

Rate of profit/rent is 15.00% p.a.

Fees

Application Fee of Tk 100/- (non refundable);

Processing Fee of Tk 500/- (non refundable);

Supervision Charge

Supervision charge will be @ 2.00% per annum.

Risk Fund

Risk fund will be @ 1.00% per annum.

Security

General Security for each case:

Hypothecation of Stock/Equipments;

The stock/equipments should be duly and properly insured to cover the risks of

probable hazards;

01 (one) post dated master cheque in favor of SJIBL covering the investment;

Post dated cheque against each installment/deal;

Trust Receipt(s) duly executed by the Client along with delivery order(s) for each deal

(in case of BMTR).

Personal guarantee of the client, spouse and adult son(s) & daughter(s), if any of the

client


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3.5.e Household Durables Investment Scheme:

Purposes

Facilitate investment to purchase household durables to the different low & medium

income honest businessman/professionals.

Socio-economic improvement of the country through improvement of life style of the

low & medium income people

Target groups

The permanent employees working in the following organizations aged between 20 to 55

years and willing to avail investment under the scheme:

Government Organizations.

Semi-Government & Autonomous Organizations.

Different Corporations.

Multi-national Companies.

Different local renowned Non-governmental Organizations.

Different Banks and Financial Institutions (Including Shahjalal Islami Bank Ltd.).

Different Insurance Companies.

Different renowned University, College, School & Madrasha besides Government

University, College, School & Madrasha.

The persons serving in Military and Paramilitary.

Acceptable persons to the Bank's Management.

Genuine businessman having valid Trade license, VAT certificate, TIN certificate and

Monthly Income evidenced by relevant documents may be included as client.

Basic features of the Scheme

Mode of Investment: Hire Purchase under Shirkatul Meelk / Hire Purchase.

Period of Investment: Maximum 05 (five) years.

Client's Equity: Minimum 25%.

Profit & Charges: Rate of [email protected]% p.a.

Service Charge: @1.00% p.a. on approved limit to be realized upfront.


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3.5.f Car Purchase Investment Scheme

Maintaining a car now- a- days is no more a luxury, but an essential part of daily working life

to add speed to its performance and taking this as view Shahjalal Islami Bank has introduced

Car Purchase Investment Scheme. Potential users of personal cars are requested to contact

any of the branches of the bank for availing the facility within shortest possible time at very

easy terms.

Purchasable Car

Brand New or Reconditioned:

Private Car

Microbus

Jeep

Eligibility

Age between 20 to 55 years

Permanent employees of

a) Govt., Semi Govt. and Autonomous Bodies

b) Banks and financial institutions

c) Senior teachers of University, Govt. School, College and Madrasha

d) Executives/Officers of Multinational Companies and renowned NGOs, Worthy

businessman having trade license, VAT certificate and TIN,Professionals like Physicians,

Engineers, etc

Ceiling

Maximum Tk. 40.00 lac for brand new

Maximum Tk. 30.00 lac for reconditioned

Period

Maximum 5 years for brand new

Maximum 4 years for reconditioned


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3.5.g Overseas Employment Investment Scheme

Eligibility

Any Bangladeshi Citizen intends to go abroad with employment under genuine work permitVisa.

Investment Amount:

Maximum Tk.3,00,000/-

Period:

Maximum 36 months with 02 (two) months moratorium period.

Age:

18 years to 45 years

Repayment Mode:

Equal monthly installments.

Profit Rate:

14.00% per annum

Special Condition

The client who wants to avail this facility must maintain F/c Account with us till full

adjustment of the facility.

Special Feature

No margin requires

Partial adjustment or Full Pre-payment of liability at any time allowed without any

early settlement charge.


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3.5.h Investment Scheme for Education

Eligibility

Any Bangladeshi credit worthy salaried or a self-employed person can avail this facility fortheir Children.

Purpose of Investment

To pay the Tuition fees.

To pay the Hostel fees.

To meet Travel expenses.

Purchase of computer, books etc.

Investment Amount

In Bangladesh: Maximum Tk. 7,00,000/-

In Abroad: Maximum Tk. 15,00,000/-

Period: Maximum 60 months.

Margin:

In Bangladesh: 10% margin.

In Abroad: 20% margin.

Repayment Mode: Equal monthly installments.

Profit Rate: 14.00% per annum

Special Condition

Student file must be maintained with Shahjalal Islami Bank Ltd.

Special Feature

Partial adjustment or Full Pre-payment of liability at any time allowed without any early

settlement charge.


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3.6 Operational procedures of the investment of SJIBL

Introduction of client

Application

Categorization

Processing and appraisal

Sanction

Signature of the Clint

3.6 a Introduction of Client:

Hold preliminary discussion with the prospective client his investment needs,

business experience, violability of the project and Shariah permissibility of the assets,

the business and the uses of the asset.

Brief him on the salient features of Bai- Murabaha mode of investment.

Look to the past performance of the client.

Checkup Head Office Current investment policy and Branchs track record of bai-

Murabaha investment of these times.

If the proposal is found permissible under Islamic principle and suitable the client tosubmit formal application, it not found suitable, regret politely.

Request potential client to open an Al-Wadia current Account. Let him maintain the

Current Account Satisfactory for a reasonable period. This wills generally minimum

six months.

3.6 b Application

Obtain application in Duplicate from the client on F-167A and record the same in the

investment proposal received and Disposal Registrar (B-55). Deal application shall

be obtain on F-136

Obtain and affix attested photograph(s) of the proprietor/ partners / Directors/

Trustee/ Administrator on the top right hand corner of the application.

Scrutinize the application of the client to see that:

a. All columns are properly filed in.

b.

Particular information given therein is complete and correct all respect.


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3.6 c Processing and appraisal

Enter the application in the Investment Proposal Received and Disposal Resister (B -53) and

allot a serial Number to it.

Examine Shariah permissibility of the goods. Reject the proposal outright, if not

permitted by Islamic Shariah.

Check-up credit restriction schedule of Bangladesh bank and Head Office current

Investment policy Guidelines.

Visit the business establishment of the client. Talk to he/she business and important

personalities of the locality to ascertain the honesty, integrity and business dealing of

the client.

Request for confidential report of the client from local branches. Confident report from

Credit Information Bureau (CIB) of Bangladesh bank thought heals office investment

Division as per instruction circular of head office in this regard.

Obtain financial statement /balance sheet of the client for the last three consecutive

years for investment proposal of tk.50.lac above as per head office instruction.

Inspect land, building, other assets and properties proposed to be a Mortgaged orhypothecated.

Forward documents title deeds and other relevant papers to approved Lawyer of the

bank of examination and furnishing his opinion.

Obtain layers Opinion as per clause No.8.02

Please study the following carefully and note down the actual finding in the appraisal

from against each item.

Where sale price of the goods is payable by the client at specified future date in lump

sum or installments as per proposal.


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3.6 d Sanction

On completion of appraisal as proved herein above, of the proposal is found viable,

issue sanction advice (F-188) if it is within the business power of the branch

mentioning all the terms and condition is duplicate to the client and endorse copes to

Zonal and head office restrain gone copy in the clients file duly accepted by the client.

If the proposal is not within the discretionally power of the branch, the branch shall

with appraisal report on F-167A and F-167 B to Zonal office /Head office.

If the proposal is not within the business of the zonal office, zonal office shall accord

approval / Regret the proposal.

If the proposal is not within the Business power of the zonal office shall forward the

proposal to head office with their view and recommendations.

On receiving the proposal and the appraisal report along with supporting papers head

office will either approved or regard.

3.6 e Signature of the client

After completion of Document, enter Document in document Execution RESISTRER

(B-103). Movement of document, if any, should be duly recorded in the Document Ex- custody

Resister duly signed by the custodians.


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ACCOUNTS DEPARTMENT

Accounts department is under the general banking division.Shahjalal Islami Bank Limited

has special banking software which is controlled by the Head Office IT department. All

transactions occur in this software. The whole banking transactions are automatically

calculated by this computer software system. The respective employees have user ID, by

using this user ID they input the transaction entry in the computer. Transactions occur under

four transaction mode .These are cash, transfer, clearing and GL. In all transaction, one party

is debited and another party is credited. So two types of vouchers are generated for every

transaction, one is debit voucher and another is credit voucher. These vouchers are the only

one document of the banks transaction. After the transaction all vouchers come to the

accounts department for rechecking and then bank save these vouchers in their reservation

unit for one year. After one year these vouchers go to the Head Offices permanent

reservation unit. Bank maintains it carefully to meet the customers claim.

In Holy Quran Allah Says Believers, when you contract a debt for a fixed period, put it in

writing. Let a scribe write it down for you with fairness; no scribe should refuse to write as

Allah has taught him. Therefore let him write; and let the debtor dictate, fearing Allah his

Lord and not diminishing the sum he owes. If the debtor be an ignorant or feeble-minded

person, or one who cannot dictate, let his guardian dictate for him in fairness. Call in two

male witnesses from among you, but if two men cannot be found, then one man and two

women whom you judge fit to act as witnesses; so that if either of them makes an error, the

other will remind her. Witnesses must not refuse if called upon to give evidence. So do not

fail to put your debts in writing, be they small or large, together with the date of payment.

This is more just in the sight of Allah; it ensures accuracy in testifying and is the best way to

remove all doubt. But if the transaction be a bargain concluded on the spot, it is no offense

for you if you do not put it into writing. See that witnesses are present when you barter with

one another, and let no harm be done to either scribe or witness. If you harm them you will

commit a transgression. Have fear of Allah; Allah teaches you, and Allah has knowledge of

all things. Surah Al-Baquarah, verse-282.


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4.0 Functions of Accounts Department

Accounts Department

Software Day start

Online Transaction

Voucher shorting

Transaction checking

Preparing FinancialStatements & Reports

Day end

Maintaining Clean CashVoucher Register Book

Providing EmployeesMonthly Salary & Benefits

Employee leave Postage

Establishment


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4.1 Software Day Start and Day End:

Every day before beginning the transaction the respective accounts officer has to start the

software then the transaction is started. All employees computers are interconnected with a

network system. Respective employees has their own user ID by using it they input the

transaction entry to the computer. After entry the transaction the clients accounts is updated

automatically. At the end of the day the respective officers has to close the account and day

end the software. Before day end the accounts officer has to check out all the transactions

because if there has any mistake then the software will not be closed.

4.2 Online Transaction:

Bank provides to its customers the online banking service. For online banking Services

customers can deposit and withdraw the money from his account from any branch.

Accounts departments respective officer operates the online transactions. When a customer

want to withdraw money or deposit the money to his account which is not in the Dhaka main

branch, which can be the any other branch of Shahjalal Islami bank limited like Barishal

Branch. Then the account holder fill up the deposit slip or cheque and presented to the

accounts officer, then accounts officer using his online transaction ID number and using the

branch code number through online enter the Barishal branchs this customers account and if

this customer wishes to withdraw the money then the officer debit the Barishal branch cash in

hand account and credit this customers Barishal branch bank account. After end of the

transaction the customer withdraw the money from the Dhaka main branchs cash counter

showing the online transaction slip. Dhaka main branch from its GL account will provide

money to the customer. Now Dhaka main branch is the accounts receivable to Barishal

branch and Barishal branch is accounts payable .Then the accounts officer reserve a scan

copy of the cheque as the online transaction document and then make an IBDA with the

cheque send it to the Barishal branch through the banks courier service. Then the Barishal

Branch will send an IBCA to the Dhaka main branch. And the money will transfer to the

Dhaka main branch GL account. As the same for deposit the money through the online the


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transaction will be vice versa. Then the Dhaka main branch sends to the Barishal branch

IBCA and the Barishal branch will send IBDA to the Dhaka main branch.

4.3 Voucher sorts and transaction checking:

Transactions can be occurred under the following transaction modes:

Cash

Clearing

Transfer

Online

GL (General ledger)

After the transaction the vouchers of these transactions come to the accounts department for

checking with the detail supplementary, the print out copy of transactions summary. This is

the last step of manual checking of the transaction. Then the vouchers are reserved as the

document for resolving the customers claim.

4.3 a Cash:

GB provides account services and deposit schemes to its customers. If Customers need to

deposit the money in their account and withdraw the money from their account. In cash

transaction two types of vouchers are generated. These are:

Cheque (Debit voucher)

Deposit slip (Credit voucher)

Cheque is used to withdraw the money from the account and deposit slip is used to put the

money to the account. The massagers bring the whole days transaction voutures from the GB

cash counter. Then the account officers have to separate the debit and credit vouchers. Then

they have to sort it according to the account number. Then according to the transaction

number they have to match the amount of the cheque and deposit slip with the detail

supplementary.

4.3 b Clearing:

In clearing transaction there have two types of vouchers. These are:

Cheques Images( Debit Voucher)

Deposit Slips (Credit Voucher)


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From the ACPU these vouchers come to the accounts department. At first the account

officers separate its debit and credit portion and then has to sort it according to the account

number ,than they mach its amount with the detail supplementary according to the

transaction number.

4.3 c Transfer:

When bank cuts bank charge for the customer services they directly dont take the money

they cut the money from the customer account and then put it to the banks account. This is

called transfer. Such way money can be transfer from one customer account to another

customer account if necessary. These transactions are occurred in the transfer mode of

transaction. In transfer there are two types of vouchers. These are:

Transfers debit voucher

Transfers credit voucher

As same as the cash and clearing transaction vouchers sorting the account officers has to

separate the debit and credit portion at first. Then they have to match the accounts numbers

serial and then them mach with the supplementary detail.

4.3.d Online:

Online transactions vouchers are:

Intra Bank Debit Advice (IBDA)

Intra Bank Credit Advice (IBCA)

Bank use these vouchers for enter bank transaction. In IBCA the originating branch credit the

accounts payable branch account and sent the request to debit their bank account by

responding it .After responding it the payable branch sent the originating branch IBDA (Inter

Bank Debit Advice).

At first the accounts officers have to sort out the IBDA and IBCA according to the branch

code number then serial the accounts number and match the amount with the detail

supplementary according to the transaction number.


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4.3.e GL (General Ledger):

GL is the banks own account, where bank put its money from profits or other income. Bank

cuts its operating expenses from its GL account. Every day different types of transaction hits

the banks GL account. In GL transactions following vouchers are generated:

Intra Bank Debit Advice (IBDA) ( Debit Voucher)

Intra Bank Credit Advice (IBCA) (Credit voucher)

Cheque( Debit Voucher)

Cheque Images( Debit Voucher)

Deposit slip (Credit voucher)

Transfers debit voucher

Transfers credit voucher

IBCA/IBDA for Pay Order, Demand Draft, IBC, OBC.

All these vouchers are generated for the cash, clearing, transfer and online transaction which

hit the GL account, described in the following steps:

Cash:Cash vouchers are cheque and deposit slip. When bank deposit its income to the bank,

its go to the GL account and bank withdraw the money from necessary purposes from the GL

account. Thus cash transaction hits the GL account and cash transaction vouchers are

generated in GL transaction.

Clearing:After the clearing operation with the central bank clearing house send the clearing

money to the head office. Then the head office send it to the Dhaka main branchs GL

account through IBCA ,then the Dhaka main branch transfer the money from the GL account

to the customer account. Thus the clearing transaction hits the GL account and transfer

vouchers and clearing vouchers are generated for GL transaction

Transfer:Bank provides salary to the employees From the Banks GL account. Bank transfer

the money from the GL account to the Customer account. Thus it hits the GL transaction and

transfer vouchers are generated in GL transaction

Online: GL Accounts is directly interrelated with the online transaction. When a Barishal

branchs customer withdraws money from the Dhaka main branch then Dhaka main branch

provide it to the customer from their GL account. Thus online transaction vouchers are

generated in GL transaction.


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4.3.f Pay Order/ Demand draft/IBC/OBC:

As like the online Transaction bank provides to the customers demand draft and pay order

money from the banks GL account and collect the money from the accounts payable branch

through IBCA. So In this transaction IBCA and IBDA vouchers are generated which are GL

transaction vouchers. For Inward bill collection (IBC) and Outward bill collection (OBC)

generated IBCA and IBDA vouchers which are directly hits to the banks GL account.

All those GL vouchers are come to the accounts department for transaction rechecking. As

like the cash, transfer, clearing and online voucher sorting the account officer at first at first

separated the debit and credit part then serial the account numbers and according to the

transaction number checking the transaction with the detail supplementary. After checking

whole transaction, the voucher copy with the detail supplementary is signed by the checking

officer then signed by the authorized officer and lastly by the accounts In charge then go to

the reservation unit.

4.3.g Maintaining Clean Cash Voucher Register Book:

Another responsibility of accounts department is maintaining clean cash voucher register

book and providing daily entry to it. Clean cash vouchers means the vouchers which are

generated for direct transaction on deposit schemes ,deposit accounts , investment and the

foreign remittance transactions to this branch not the other branch and not the vouchers of

clearing, transfer or GL transactions. The respective officer of accounts department has to

provide entry of these clean cash vouchers which are generated from different transactions on

described sources and keep the record of the total income from these vouchers and the total

cost and after deducting the cost from the total income the accounts officer has to calculate

the total daily revenue from these clean cash vouchers and has to make a record to this book.


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4.4 Preparing Financial Statements & Reports:

Accounts department is responsible for providing various financial statements and reports to

the authority. Based on these reports and statements the authority can understand the branchs

financial situation. Every day several types of financial statements and reports they have to

submit to the head offices accounts section then the head office accounts section make the

whole banks financial statement and every week they have to submit the enter banks

financial report to the central bank.

Name of the Financial Statements & Reports are given bellow:

Daily Financial Statements& Reports:

Statement of Affairs

Liquidity Positions

Scroll Total

Clean Cash Report

Transaction Audit Trial

Summary Situation

GL Transaction list

Client Transaction list

Daily Position listing

Exceptional Report

Statement of Originating Entity

Monthly Financial Statements & Reports:

Suspense Accounts-Law Charges

Suspense Accounts- Others

Sundry Deposit- Others

NBFI(Non Banking Financial

Institution)

SBS-1(Schedule Banking Statistics)

Month End

Weekly Financial Statements &Reports:

Weekly Report

EC Report(Executive Committee)

Quarterly Financial Statements &Reports:

SBS-2

Islami Banking Review

Quarterly Operations Report

Yearly Financial Statements &Reports:

Balance Sheet

Performance Highlight

Profit and Loss Account

Table: List of the Financial Statements & Reports.

(Source: Accounts Departments Document.)


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4.7 Establishment:

To launch the branch there has many expenses. Direct and indirect expense, such as guest

reception expenses, Transportation expense, courier service expense, new machine or

equipment buying expense such as fax machine ,telephone set etc, new office furniture

buying expense , office rent, electric bill and other bill payment , repair and maintenance of

office building etc expenses are under the establishment activities. After deducting all of the

expenses the branch determine branches profit. Accounts departments officers are

performing the establishment duties. The respective officer are controlling and accomplishing

the entire establishment activities of the bank. For each establishment work they have to

prepare a bill for the expense and sanction it from the deputy manager.


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FINDINGS

Findings:

5.1 Problems regarding investment of SJIBL:

Most of the people in our country have a bad impression of SJIBL,s operations

regarding indirect generation of investment which meaning no difference between

investment of SJIBL loan / credit /advance of conventional banks for this reason, they

are not too much interested to make investment with SJIBL.

Islamic banking is a new phenomenon in our country during last two decades. So

majority of our people have no proper knowledge about the activities of Islamic

banking as well as its investment mechanism hamper large scope of investment of

SJIBL.

SJIBL which is committed to avoid interest cants invest the permissible part of its

satisfactory liquidity Reserve and short term liquidity surplus in those securities.

This bank cant investment in all economic sectors which are prohibited by the law ofIslam.

Because of improper insufficient application of Islamic banking rule in our country.

The investment operations of SJIBL cants run smoothly.

Profitable investment portfolio of SJIBL requires clear investment knowledge

according to Islamic Shariah. But sometimes SJIBL cants invest its assets in proper

portfolio due to insufficient an unskilled manpower in these regard. As a result, there

is a large amount of money being idle and thus potential profit is not increasing.

SJIBL has no strong promotional activities to increase motivate its present and

potential investment client.

This bank revalues its investment operation within limited number of investment

modes and does not initiate investment modes according to changing / diverse needs

of people.

Some time investment operations of SJIBL are hampered due to increase, dishonest,

indiscreet, hypocritical nature of the people.


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5.2 In general

There are limited scopes to deal women enterprise and professionals for making

investment by women interpreters.

In rural areas for low income community, this banks grants investment an group not

individual as a result, the mission, using invested money in income generating activity

so the poor needy population can become self reliant- is failed. Moreover it enhances

group dependence.

SJIBL does not grant investment portfolio for new entrepreneurs new businessmen

new companies etc.

In some sectors like housing, real estate, project, (industry) etc, this bank disburses

total investment money in times according to banks pre-determine proportion as a

result, client are failed to gain full benefits of investment disbursement at once.


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5 . 3 P r o b l e m s I d e n t i f i c a t i o n

During internship period in SJIBL Dhaka Main Branch tile following problems are

observed.

Human resource of any organization is considered as a valuable asset. But

human resources, in the branch, are not equipped with adequate banking

knowledge. Majority of the human resources have lack of basic knowledge

regarding money, banking finance and accounting. Without proper knowledge in

these subjects, efficiency cannot be optimized. Bank can arrange training

program on these subjects.

There is shortage of computer in general banking section. Sometimes the

shortage of computer makes some unfortunate event in that section.

On-line banking software is used by SJIBL and this is quite difficult to use for

the employee as the employees are not well trained.

This bank does not have any plan to enter into the Credit Card Market. It is well

versed that tomorrow's payment will be consisted of only plastic money (Credit

Card). A large part of business transaction will be done by credit card III near

future. In western world, more than 50% of transactions are in credit card this

bank does not prepare from now on, it cannot compete in the future market. So,

the branch should give special attention to the introduction of Credit Card

Since a number of new banks are coming to existence with their extended

customer service pattern in a completely competitive manner. Customer-

services must be made dynamic and prompt. Now a days, people especially

business people have very li tt le time to waste. So the bank should make it s

service prompt so that people need not give more time in the banking activities


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5.4 Major Findings on Investment Division and Accounts Department under the study of

Dhaka main branch are giving bellow:

Dhaka main branch is the 1stbranch of Shahjalal Islami Bank Limited and this branch is

the main branch among all other branches of Shahjalal Islami Bank Limited.

Central Bank is the banker of all other banks and Dhaka main branch is the banker of all

other branches of Shahjalal Islami Bank Limited.

Only the Dhaka main branch operates the clearing operations with the central bank. All

branches of SHJIBL under central bank clearing zone send their clearing cheque to the

Dhaka main branch clearing unit.

Money comes from abroad through the Western Union, Kushiara and SWIFT in the

International division of head office. Head office send all the money to the Dhaka main

branch and Dhaka main branch allocate this money to all other branches.

Shahjalal Islami Bank Limited has been performing Islamic commercial banking activity

and striving to introduce dynamic Banking functions and all products are designed based

on Islamic Shariah.

Shahjalal Islami Bank Limited is committed to provide cordial services to its customers.

The customer receives experienced banking services, cordial behavior and a modern

environment so the numbers of deposits are increasing day by day.

The operations of the bank are fully computerized to ensure quick and reliable services.

The Investment Division is providing the modern banking services to the customers..

The product line is large in size because there are many accounts and deposits schemes

for the customers and the customers has the opportunity for savings in different savings

schemes and deposits schemes which is designed based on the different purposes such as

Mudaraba Monthly Income, Mudaraba Monthly Deposit, Mudaraba Hajj Deposit,

Mudaraba Shikkha Deposit, Mudaraba Bibaho Deposit etc.

Along with the Deposit Schemes through the SME Banking Shahjalal Islami Bank

Limited inspires the woman entrepreneurs and puts contribution to enhance small and

medium enterprises.

For minimizing the risk of caring cash SHJIBL provides its customer the demand draft

and pay order services.


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The Bank has newly introduced to its customer the mobile banking and primarily

provides pull-push/ SMS services.

The bank provides the Utility Bill Collections services for Grameen Phone Bill.

Whole investment transactions are cautiously and carefully rechecked by the Accounts

Department. So the Banks clients are satisfied and they have no doubt about the accuracy

of the banks transactions.

All transactions vouchers are reserved in the banks reservation unit for minimum 10

years to solve the customers claims. So the customers have 100% trusts about the banks

transactions.

The Bank has camera monitor system (CCTV) to strength the security services inside the

bank premises.

From the 28th February 2011 Shahjalal Islami Bank has started the Electronic Fund

Transfer Service (EFTN).

Shahjalal Islami Bank Limited is committed to continuous research and develops modern

Islami Banking services.


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RECOMMENDATIONS

Recommendations:

After analyze the Investment Divisions services and the Accounts Departments activities

the flowing recommendations are recommended for continuous betterment of the bank.

The Bank does not provide Locker service to the customers. If there has no obligation

in Islamic Shariah then the bank can started the locker services to their customers.

The number of ATM booth is only 14 which are not sufficient. Bank should beincreased the number of ATM booth.

Bank should also increase the number of Debit Card.

If the Deposit machine can be set in the ATM booth then customers can deposit their

money from the ATM booth. It will reduce the pressure of cash counter and relieve

the customers from making the queue for deposit the money.

The bank can start the Customer Bill Pay Service.

The bank recently started the mobile banking by providing only the pull-push

services. Bank should extend this service range.

The bank should start the Internet banking.

The number of employee is few in accounts department of Dhaka main branch. To

increase the speed and accuracy in transaction checking the bank should recruited

more employees in accounts department of Dhaka main branch.

For well handling of all the customers the bank should arrange more training program

for the general banker so the banker can serve the customers in better way.


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CONCLUSION

Conclusion:

The bank has maintained the progress of business through its sixty- three branches. Theoperating profits growth rate is satisfactory. The bank is able to achieve this due to the banks

better services. Shahjalal Islami Bank Ltd. is committed to provide cordial services to the

customers. The continuous improvement in delivery of products and services, diversification

of products, reduction of turnaround time for investment processing, on line deposits, debit

card, SMS Push-Pull Mobile banking and arrangement of western union for early remittance

payment have been the key indicator of customers satisfaction. As the banks profitability

depends to the quality services the bank can also apply the recommended services to grow

more profit.


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BIBLI OGRAPHY AND APPENDIX

BIBLI OGRAPHY AND APPENDI X

References:

Book #1: M. Kabir Hannan,Text Book on Islami Banking,Islamic Economics Research

Bureau.

Internet # 1: Topic: About SHJIBL,http://www.shahjalalbank.com.bd/about.asp,

Internet # 2: Topic: Board of Director, http://www.shahjalalbank.com.bd/ec.asp,

Internet # 3: Topic:,

Internet # 4: Topic: ,

Internet # 4: Topic:,

Internet # 6: Topic: SME banking,http://www.shahjalalbank.com.bd/sme.asp,

Internet # 7: Topic:

Internet # 8: Topic: Deposit Schemes

http://www.shahjalalbank.com.bd/depositschemes.asp Accessed On: 5/4/2011.

Internet # 9: Topic:
http://www.shahjalalbank.com.bd/about.asphttp://www.shahjalalbank.com.bd/about.asphttp://www.shahjalalbank.com.bd/about.asphttp://www.shahjalalbank.com.bd/sme.asphttp://www.shahjalalbank.com.bd/sme.asphttp://www.shahjalalbank.com.bd/sme.asphttp://www.shahjalalbank.com.bd/deposithttp://www.shahjalalbank.com.bd/deposithttp://www.shahjalalbank.com.bd/deposithttp://www.shahjalalbank.com.bd/sme.asphttp://www.shahjalalbank.com.bd/about.asp

Internship Report of Proma

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