National Bank (Intership Report)

8/13/2019 National Bank (Intership Report)

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Internship report at a glance

Name of the Tropics

1. Chapter OneIntroduction

2. Chapter TwoAn Appraisal of National Bank Ltd.

3. Chapter ThreeGeneral Banking

4. Chapter Fourer!ices of National Bank

5. Chapter Fi!e

Foreign "#change

6. Chapter i#$ail% acti!ities of Bank

&. Chapter e!enOther acti!ities of National 'ank ltd

(. Chapter "ight)ecommendation * Conclusion.


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Chapter one

Introduction

+.+ An o!er!iew of National Bank Ltd.

ational Bank Limited is regarded as the pioneer in the pri!ate sector'anking of Bangladesh. National Bank started its ,ourne% with the no'le

!ision of di!ersif%ing 'anking acti!ities into different acti!ities of clientser!ice. The 'ank is also committed to fulfill its responsi'ilities to the societ%and the countr%. National Bank Limited has its prosperous past- gloriouspresent- prospecti!e future and under processing pro,ects and acti!ities.

"sta'lished as the first pri!ate sector Bank full% owned '% Bangladeshientrepreneurs- NBL has 'een flourishing as the largest pri!ate sector Bankwith the passage of time after facing man% stress and strain. The mem'er ofthe 'oard of directors is creati!e 'usinessman and leading industrialist of thecountr%. To keep pace with time and in harmon% with national andinternational economic acti!ities and for rendering all modern ser!ices- NBL-as a financial institution automated all its 'ranches with computer network inaccordance with the competiti!e commercial demand of time. oreo!er-considering its forth/coming future the infrastructure of the Bank has 'eenrearranging. The e#pectation of all class 'usinessman- entrepreneurs and

general pu'lic is much more to NBL. 0eeping the target in mind NBL hastaken preparation to open new 'ranches '% the %ear 1222/122+.

N

The emergence of National Bank Ltd. in the pri!ate sector is an importante!ent in the Banking arena of Bangladesh. 3hen the nation was in the grip ofse!ere recession- Go!t. took the farsighted decision to allow in the pri!atesector to re!i!e the econom% of the countr%. e!eral d%namic entrepreneurscame forward for esta'lishing a 'ank with a motto to re!itali4e the econom%of the countr%.

National Bank Limited was 'orn as the first hundred percent Bangladeshi

owned Bank in the pri!ate sector. From the !er% inception it is the firmdetermination of National Bank Limited to pla% a !ital role in the nationaleconom%. 3e are determined to 'ring 'ack the long forgotten taste of'anking ser!ices and fla!ors. 3e want to ser!e each one promptl% and with asense of dedication and dignit%.

The then 5resident of the 5eople6s )epu'lic of Bangladesh 7usticeAhsanuddin Chowdhur% inaugurated the 'ank formall% on arch 1(- +8(9


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'ut the first 'ranch at :(- $ilkusha Commercial Area- $haka startedfunctioning on arch 19- +8(9. The 1nd Branch was opened on ++th a%+8(9 at 0hatungon,- Chittagong. Toda% the% ha!e total &; Branches all o!erBangladesh.

ince the !er% 'eginning- the Bank e#erted much emphasis on o!erseasoperation and handled a si4ea'le


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A team of highl%


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+.9 O',ecti!e of the )eport

The main o',ecti!e of this report is to fulfill partial re


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$ata regarding the operations of National Bank Ltd. and anal%sis of

financial statement were collected from secondar% sources like annual

report- Brochures- anuals and 5u'lications of National 'ank Ltd.

Collection of 5rimar% $ataE

an% of the data and information were collected from m% practical

e#perience and


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+.; Organi4ation structureE

Functional oriented structure Organi4ation structure pla%s an important role

on the profita'ilit% of an% organi4ation. National 'ank limited is a centrali4ed

organi4ation and operates in a. That is- its acti!ities are designed on the 'asisof traditional 'anking 'usiness- such as credit- international di!ision-

in!estment- administration- and operation etc. NBL has a formal

organi4ational structure that is highl% speciali4ed and centrali4ed. The whole

organi4ational structure is gi!en 'elow/

Board of $irectors

MS. PARVEEN HAQUE SIKDER : ChairpersonMR. MD. MAHBUBUR RAHMAN KHAN : Director MR. MD. KHALILUR RAHMAN MA!NU" : Director MRS. NAHEED PERVIN : Director MR. !AKARIA #AHER : Director MR. SHAHADA# H$SSAIN : Director MR. M. %. MUR#A!A : Director

MR. A#AUL HUQ : Director MR. A. M. NURUL ISLAM : Director MR. SALIM RAHMAN : Director MR. S. M. SHAMEEM IQBAL : Director PR$&. MAHBUB AHMED : Director CAP#. ABU SA'EED M$NIR : Director MR. M. A. MA!ID KHAN : Mana(in( Director
http://www.nblbd.com/mazid.htmlhttp://www.nblbd.com/mazid.html


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Kierarch% of the BankE

CKAI) AN

$

$ $

" 5

5

5

A 5

Officer Gr./I

Officer Gr./II

Officer Gr./III

Officer Gr./IIIA

Officer Gr./IIIB

7unior Officer

taff


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$i!ision of NBL

+. Audit * Inspection $i!ision.1. AT Card $i!ision

9. Board ecretariat:. Budget * onitoring $i!ision.

. Credit $i!ision/+.;. Credit $i!ision./1.&. Credit Card $i!ision.(. Classified Loan )eco!er% $i!ision.8. Financial Administration $i!ision.+2. General Banking $i!ision.++. Kuman )esources $i!ision.+1. International $i!ision.

+9. Information %stem * Technolog% $i!ision.+:. Law * )eco!er% $i!ision.+ . arketing $i!ision.+;. erchant Banking $i!ision.+&. 5u'lic )elations $i!ision.+(. 5rotocol $i!ision.+8. )econciliation $i!ision.12. %stem * Operations $i!ision.


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Chapter TwoAn Appraisal of National Bank Ltd.

1.+ Capital structureE

The total asset of NBL amounts to T0 91-29:-+:1 at 92th 7une 122: *

92-&+:1 9 at 92th 7une 1229. A 'rief capital position of the 'ank is gi!en in

the ta'le 'elow.

Auditor6s )eport to the hareholders of National Bank Limited

Balance heet at 9+ $ecem'er 122:

5)O5")T AN$ A "T Amounts in TakaAt 31 Dec 2 4 At 31 Dec 2 3

CA K!n han" #inc$u"in% forei%n currencies& 653'4(2'5) 551' *)'(1(+ith ,an%$a"esh ,ank an" -ona$i ,ank #inc$u"in% forei%n currencies& 1'42 '246'1 5 1'2)1'*(2'44*

2' (3'(1)'6)5 1')33' (1'166Balance with other 'anks and financialinstitutions!n ,an%$a"esh 1'541'(4)' 3* 1'(24'3(6'662

utsi"e ,an%$a"esh 1*4'*(5')25 (13') 3'14(1'(36'(23')64 2'43)'1(*') *

one% at call and short notice 1' * ' ' 3* ' 'In!estment/overnment securities 2'246'315'*1 1'*2('344'455

thers 645'656'36 6**'2)1'32)2')*1'*(2'2( 2'626'625'()3

Loans and ad!ances0oans' cash cre"its' over"rafts' etc 1)'2*5' 6)' 22 1('256' 1'(34,i$$s "iscounte" an" purchase" 1'* 5'56)'( * 1'2*('666'*2*

2 '2 '636'(31 1)'553'66)'663Fi#ed assets (*(')11'2 ) 4)5'643' 62Other assets 2')( '616'342 4'*54'234'646Non/'anking assets

Total Assets 9+-;;+-:&8-+22 9+-1(+-:19-+18


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LIABILITI" AN$ CA5ITAL Amount in Taka

At 31 Dec 2 4 At 31 Dec 2 30iabi$ities

Borrowings from other 'anks-financialInstitutions and agents

* '414'*43 1) ')26'425

$eposits and other accountsurrent "eposits an" other accounts )'34 '1* '626 ('1(('544')5)

,i$$s pa ab$e 35 '44*'132 ) 6'244'633-avin%s bank "eposits 4'(26'516'3)2 4'21('(14' *),earer certificates of "eposit 251'165' 2)2'*65'Term "eposits 11'22)'321'*31 11'131')16'33)

24')*6'643' (1 23'616'2)4'*2(

Other Lia'ilities 5'1 1'66*' (4 6' 56'*1('164Total Lia'ilities 92-2((-&1&-2(( 18-( :-21(- +;

apita$ -hareho$"ers 7uit

5aid/up capital 43 '2(3'25 43 '2(3'25tatutor% reser!e 5))'*5(')65 5 )')2*'5)1

Other reser!e 153'(61'13 153'(61'13urplus as per 5rofit and Loss account 3**'(5*'(6( 334'53 '652

Total hareholdersJ "


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5rofit and Loss tatement for the ear "nded 9+ $ecem'er 122:Amount in Taka

8ear n"e"31 Dec 2 4

8ear n"e"31 Dec 2 3

!nterest income 2' 5('444'2(( 1')2 '32*'46)0ess9 !nterest pai" on "eposits' borro:in%s'etc 1'4)6'6*1'442 1'356' *6'(35

Net Interest income &2-& 1-(9 :;:.191-&99

!ncome from investment 2 4' 52'663 1)6'*33'354ommission' e;chan%e an" brokera%e (4*' 4 '6*( (52'155')14ther operatin% income 2(4'524'2)5 22*'4)4'55

Total operating income 1'22('61('645 1'16)'5(3'(1)

-a$ar an" a$$o:ances 4)6'335'42( 443'2*4'4 (

fee 2 ' 236'=rintin%' stationer ' a"vertisements' etc 26'643'356 21'44*') 3?ana%in% Director>s sa$ar an" a$$o:ances 1'32 ' * 'Directors> fee 3'3()')63 2'6 *'441


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-tatutor reserve #) '12)'2)4& #66'(51'531&=ropose" "ivi"en" #12*' )1'*(5& #12*' )1'*(5&

#2 *'21 '25*& #1*5')33'5 6&


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=urchase of fi;e" assets #34(')1)')63& #2(' (*'(2(&Disposa$ of fi;e" assets 3'6)3'3*5Net Cash from in!estingacti!ities

#14 ' )2') 5& 15*')53'62(

Cash Flows from FinancingActi!itiesDecrease in borro:in%s #* '411'4)2& #)*')51'3)4&

Net cash from financin%activities #* '411'4)2& #)*')51'3)4&

Net increase in cash an" cashe7uiva$ents 23)'163'3(4 1'((3'32 '625

Cash and cash e


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@In illion Taka

5articulars 122+ 2 2 1229 122: 1221. AuthoriBe"apita$ 1' . 1' . 1' . 1' .

2. =ai" upapita$ 3*1.16 43 .2( 43 .2( 43 .2(

3.


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1*. Number of forei%ncorrespon"ents 32) 324 326 32)

2 . Number of mp$o ees 1'*1( 1')6) 2' 25 2' (3

21. Number of -hareho$"ers (') (')5( )'*6 *' 52

22. Number of ,ranches 66 66 66 (5

Chapter Three


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General BankingGeneral Banki ng

General 'anking is one of the main departments of an% 'ank A Bank startsits 'anking work through General Banking. General Banking helps to doother acti!ities of the Bank smoothl%. General Banking $i!ision consists ofthe following fields of acti!itiesE

)ecei!ing Collecting deposits Issuance of Che


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5roprietor of the firm must fill up the Current 5roprietorship A copening form

An Introducer accepta'le to Bank must introduce the A c. 5hotographs of the 5roprietor

The specific )u''er/stamp of the 5roprietorship firm alid Trade License

5artnership current accountE For opening this A c the Conditions

are

It ma% 'e C$ A c It must 'e opened '% the name of the 5artnership Firm 5artnership $eed must 'e su'mitted with the A c opening form pecific )u''er tamp of the Firm 5hotographs of the A c operati!e persons

Limited Compan% current accountE To open an A c in the name of aCompan% the following documents and papers must 'e su'mitted withthe A c opening formE

emorandum * Articles of Association of the Compan% Certificate of Incorporation )esolution of the Board to open A c with the Bank List of $irectors with ignatures 5hotographs of the operati!e persons

5u'lic Limited Compan% Current A cE

To open an A c in the name of a 5u'lic Limited Compan%- the followingdocuments and papers must 'e su'mitted along with the A c opening formE

emorandum * Articles of Association of the Compan% Certificate of Incorporation )esolution of the Board to open A c with the Bank List of $irectors with ignatures 5hotographs of the operati!e persons Certificate of Commencement of Business.

Time depositsE


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Time deposits are pa%a'le at a fi#ed date or after notification. Our Branchrecei!es Time deposits through Fi#ed deposits receipt @F$) - hort/termdeposit @ T$ - @ onthl% a!ing cheme - $ @ pecial $eposit chemeetc.

Fi#ed $eposits @F$

Fi#ed $eposits @F$ A c shall 'e opened for a longer period such as 9@three months to 9 @three %ears or more. Generall% who wants to in!est hismone% safel% can open F$ A c. The interest of F$ A c is negotia'le * itdepends on the !olume of deposit and period. At present- our 'ranch isallowing interest from (? to +2.1 ? in F$ A c. It ma% 'e noted that nointroduction is necessar% to open F$ A c * the F$) is not negotia'leinstrument * cannot 'e transferred '% endorsement.

Interest rate on F$)E

The interest rate of the deposited amount depends on duration and !olume of

the amount. If duration is long the interest rate is high- and at the same time

if the !olume of amount is large the interest rate is also high and !ice/!ersa.

5eriod =p to Tk.

2-22-222

Tk. 2-22-222 to

Tk. +-22-22-222

A'o!e

Tk. +-22-22-222a. 9 months (. ? (. ? (. 2?'. ; months (.1 ? 8? 8.1 ?c. + %ear (. 2? 8.1 ? 8. 2. ?d. 1 %ear 8.1 ? 8. 2? +2. ?e. 9 %ear 8. 2? +2 ? +2. 2?

hort/Term/$eposit @ T$ E

hort Term $eposit or T$ Account Opening procedure is similar to that of

the current account. The rate of interest on this t%pe of account is ?.3ithdrawals from this t%pe of account re


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For most of the people on fi#ed income the opportunit% to supplement theirmonthl% earning is a golden one. And NBL pecial $eposit cheme gi!es acustomer ,ust that.

=nder this scheme- customers can deposit mone% for a term of %ears. The

deposited mone% is full% refunda'le at the e#pir% of the term. At the sametime- during the term period the% can en,o% a monthl% profit correspondingto their deposited amount. As for instance- under this scheme a deposit of Tk-

-222 / gi!es a monthl% income of Tk. 22 /.

$epositedAmount

onthl% Benefit

Tk. 55' Tk. 5Tk. 1'1 ' Tk. 1'Tk. 1'65' Tk. 1'5Tk. 2'2 ' Tk. 2'

onthl% a!ings chemeThis scheme is speciall% designed for the 'enefit of the limited income groupmem'ers. This helps to accrue small monthl% sa!ings into a significant sum at

the end of the term. o- after the e#pir% of the term period the depositor willha!e a si4ea'le amount to relish on.

A monthl% deposit of Tk. 22 / or Tk.+222 / for or +2 %ears period earns in the endTk.:2- +22 / or Tk.1- 1:- 22 / respecti!el%.

onthl%Installment

)eturnafter %ears

)eturnafter

+2 %ears

Tk. 5 Tk.4 '1Tk.1'12'5

Tk. 1' Tk.) '1Tk.2'24'5


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a!ing Insurance chemeThis is an uncertain 3orld and the threatening silhouettes of futurecatastrophes are alwa%s looming around. This NBL scheme gi!es %our famil%protection against the insecurities of the world. This scheme is the first of itskind in Bangladesh. It com'ines the 'enefits of regular sa!ings and insurancescheme- so- %ou get the usual rate of interest on the deposited amount while%ou en,o% the protection of a comprehensi!e insurance co!erage. =nder thisscheme- the 'eneficiar% @ies get e


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Chapter Fourer!ices of National Bank

Credit Card

Through its Credit Card- National Bank Limited has not onl% initiated a newscheme 'ut also 'rought a new life st%le concept in Bangladesh. Now thedangers and the worries of carr%ing cash mone% are memories of the past.

Credit Card comes in 'oth local and international forms- gi!ing the clientpower to 'u% all o!er the 3orld. Now en,o% the con!eniences and ad!antagesof Credit Card as %ou step into the new millennium.

NBL AT er!iceNational Bank Limited has introduced AT ser!ice to its Customers. Thecard will ena'le to sa!e our !alued customers from an% kind of predicamentin emergenc% situation and time consuming formalities. NBL AT Card willgi!e our distinguished Clients the opportunit% to withdraw cash at an% time-e!en in holida%s- 1: hours a da%- & da%s a week.

3estern =nion one% Transfer

7oining with the world6s largest mone% transfer ser!ice D3estern =nionD-

NBL has introduced Bangladesh to the faster track of mone% remittance. Nowmone% transfer 'etween Bangladesh and an% other part of the glo'e is saferand faster than e!er 'efore.

This simple transfer s%stem- 'eing on line eliminates the comple# process andmakes it eas% and con!enient for 'oth the sender and the recei!er. ThroughNBL / 3estern =nion one% Transfer er!ice- %our mone% will reach itsdestination within a few minutes.

3estern =nion is a glo'al leader in one% transfer and message ser!ices.3ith the help of western =nion a consumer or a Businessman can transfermone% or make pa%ments more


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pa%ment or transfer mone% from our countr% to another countr% of the worldon 'ehalf of our customer.

At our NBL =ttara Branch we make pa%ment to our customer throughwestern =nion with the help of our Foreign "#change Branch

The procedures of Transfer one% through 3estern =nionE

In our Branch- we take one of the following document as a alid I$ 'eforethe pa%ment of western =nion.

i 5hotocop% of + st three pages of alid 5assport. In case of renewal- thephotocop% of renewal page will 'e added.

ii Nationalit% Certificate with 5hotograph fromChairman Commissioner 5. The said person will !erif% the signature

photograph of the applicant.iii BankJs Certificate with photograph A c aintaining with the Bank.

The Authori4ed Officer Branch in Charge will !erif% the signature *photograph of the applicant.

i! An% A c Kolder of our Branch. In this case we will use the A c Num'eras I$

! oter I$.!i er!ice I$ @In case of reputed ser!ice holder

Issuance of $$- TT * 5O.

This Bank offers $$- TT * 5O for transferring the funds from one place toanother to our Customer. It is Called Inland )emittance. It is one kind ofsources of Income of the Branch. Bank can issue $$- TT * 5O against cashor Che


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Chapter Fi!e

Foreign "#changeE

odes of the Foreign "#changeE

arious ser!ices regarding foreign e#change pro!ided '% NBL can 'e

segregated into four 'road categoriesE

Import

"#port

Foreign )emittance

Issuing T C * "ndorsement of $ollar

I 5O)TE

This section perform the ma,or function of import procedure in fa!or of its

clients and pro!ide import financing through guarantee- LI - 5A$- LT) etc.

Letter of CreditE

Letter of Credit @L C is a letter from the importerJs 'ank to the e#porter

that the 'ills if drawn as per terms and conditions are compiled with will 'e

honored or accepted for deferred pa%ment on presentation.

)e


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5arties To $ocumentar% CreditE

Commercial 5artiesE

a ApplicantE The applicant is normall% the 'u%er of the goods- i.e. importer

who re


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e )eim'ursing Bank E A )eim'ursing Bank is the 'ank authori4ed to honor

reim'ursement claims in settlement of negotiation acceptance pa%ment

logged with it '% the negotiating accepting pa%ing Bank.

Other related partiesE

a Issuer E The Issuer has the responsi'ilit% for issuing the goods as pro!ided

in the credit.

' Carrier E The Carrier is responsi'le for safe arri!al of the goods at the

destination.

T%pes of documentar% creditE

a )e!oca'le $. credit

' Irre!oca'le $. credit

c Confirmed and unconfirmed $. credit

d Fi#ed- re!ol!ing and installment credits

e tand'% credit

f )ed clause

g Back to 'ack credit

h Transfera'le credit


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i Credit options

$ocuments in a documentar% are Commercial In!oice- Certificate of origin-Anal%sis


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e#porta'le goods. In this case the 'ank offers some additional facilities i.e.

a'out +12 da%s to pa% 'ack the mone% where in case of import. L C is issued

for ;2 da%s.

FO)"IGN )" ITTANC"

Foreign )emittance refers to the transfer of fund from one countr% to

another through channel. Foreign )emittance is an important sector where

NBL earns a lot of foreign e#change e!er% %ear.

$rawing ArrangementsE$rawing Arrangements is made to facilitate remittance through concluding

accounting relationship 'etween a 'ank and corresponding- or an e#change

house- which ma% e#ist in the following three forms of accounts.

+. NO T)O A CE A foreign currenc% account that a local 'ank maintains

with another 'ank in a'road.

1. O T)O A CE An account- which a foreign 'ank maintains with a local

'ank- is called O T)O A C.

9. LO)O A CE An account- which a third part% maintains with a foreign

'ank- is known as LO)O A C.

There are two t%pes of )emittanceE

a Foreign Inward )emittance E The remittance in foreign currenc%- which

is recei!ed from outside the countr% to our countr% is known as Foreign

Inward )emittance. The remittance can 'e performed in two wa%sE


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isi'le Inward )emittance/such as e#port proceeds

isi'le Inward )emittance /such as famil% maintenance consultant fee

etc. Cash is remitted through TT @Telegraphic Transfer - $$ @$emand

$raft etc.

' Foreign Outward )emittance E Foreign Outward )emittance is funds

remitted to o!erseas on 'ehalf of the client. It is of two t%pesE

isi'le Outward )emittance/such as- pa%ment against import- sale of

tra!elerJs che


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Chapter i#

$ail% acti!ities of Bank

Clearing

Clearing is one of the important ,o's of a 'ank. To run the 'anking 'usinesssmoothl% and to pro!ide ser!e to customer- e!er% 'ank has to collect che


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Outward clearingEThe A c holders of our Branch deposit other BankJs instrument in their A cfor collection. 3e collect it through Outward Clearing and credit theproceeds in their A c.

$escription of Outward ClearingE

Bank does not in!ol!e in clearing house directl%. The% make their clearing

through Kead office- $ilkusha. The% ,ust prepare the Instrument and send it

to Clearing department of Kead Office for collection.

On the other hand- the A c Kolder of our Branch gi!es our BranchJsinstrument to their part% who is not our A c holder as pa%ment. The part%deposits the following instruments in their A c for Collection throughClearing house. 3e recei!e those instruments from Clearing house and makepa%ment on 'ehalf of our A c holder. This is called Inward Clearing.

"#cept Clearing Instrument the Clearing $epartment also Collect thefollowing instruments on 'ehalf of the their customer.

+ LBC Che


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5ostage Charge Tk. +2.22

9 IBC @ Inward Bills Collection

3e collect the instrument on 'ehalf of our a customer through LBC OBCwhich are drawn on other Branches of our Bank. Like this collection we alsomake pa%ment on 'ehalf of our customer against LBC OBC instrument-which are recei!ed from other Branch 'ut drawn on our Branch. Fore#ample if an% A c holder of our Branch gi!es a che


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3e make pa%ments to the Customer against their instrument or documentson re


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: 5rice uotation of the 5roduct- which the applicant wants to 'u%.5romissor% Note

; Letter of Guarantee& Guarantee Bond from two persons with their photographs accepta'le

to Bank( Two copies of passport si4e photographs of the Applicant.IB5 @Inland 'ill purchase

ome times to ser!e our relia'le !alued clients financiall%- we purchase theirInstrument in cash which is drawn on other Bank ItJs called IB5. To do thea'o!e we ha!e to do the following worksE

Fund Transfer to " Cash A c

There are se!eral AT Card Booth of our NBL from where the ATCard Kolder can draw cash at an% time through punching their AT Card."!er% AT Card holder maintains a link A c. From the link A c we ha!e totransfer the fund to " cash Account to acti!ate the AT Card. AT Card isissued '% Kead Office AT Card $i!ision. "!er% da% we recei!e the status ofAT Card holders from AT Card $i!ision.


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Chapter e!en

Other acti!ities of National 'ank ltdE

+. )ural Credit 5rograms E NBL is pla%ing effecti!e role inde!eloping agricultural sector through its special credit programs.=nder this pro,ect loan is gi!en for food grain di!ersification- fisheries-and for purchase of agri/ e


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Chapter "ight

)ecommendation * Conclusion

)ecommendation

NBL should pursue ad!ertisement campaign in order to 'uild a strong

image among the people. The% should carr% out aggressi!e marketing

campaign to attract clients. The% can gi!e ad!ertisements in newspaper

and maga4ine- tele!ision and neon signs.

NBL can pursue a di!ersification strateg% in e#panding its current line of

'usiness. The management can consider options of starting merchant

'anking.

NBL should mo!e towards Online 'anking operations. It the appropriate

time for going for Online 'anking 'ecause some of the 'anks are alread%

in to the Online 'anking operation.

National Bank ltd. should increase consumer/'anking acti!it%. Their

consumer/'anking acti!it% is so poor. The% should increase the consumer

'anking as earl% as possi'le.

The% should inno!ate other t%pe of deposit to attract more customer.


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NBL should increase management efficienc%. The 'ank should tr% to keep

a 'alance in its operating e#penses and operating income. If the operating

e#penses to operating income are high the 'ank ma% face some pro'lem.

$efault Culture is !er% much familiar in our countr%. National Bank

Limited should carefull% allocate the 'ankJs assets to the highest %ielding

loans while a!oiding e#cessi!e risk. The 'ank should reduce the amount of

Bad Loss relati!e to classified loans.

NBL is taking higher risk to get higher return. In this perspecti!e the

'ank should 'e concerned a'out their risk/taking tendenc%. Now the%

should take calculate risk.

NBL should maintain more cash and deposit 'alances with other 'anks.

Because it is desira'le that 'anks keep their cash and 'alance with other

'ank to such e#tent so that it can minimi4e the chance of li


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ConclusionE

National Bank Limited has 'een tr%ing to operate its 'usiness successfull%since +8(9. The 'ank has alread% de!eloped good image and goodwill amongits clients '% offering e#cellent ser!ices. As a newl% esta'lished Branch- NBL=ttara is ser!ing at its localit% with utmost satisfaction of the customer. o-NBL =ttara Branch has to compete with those 'anks as well as otherCommercial Banks. Toda%- the whole Banking sector is facing a toughcompetition and challenge. In this situation our Branch is in good positionthan an% other Bank of its localit% and da%/'%/da% we are increasing ouracti!ities * goodwill. 3ithin 12 %ears of its operation- the 'ank has gra''eda position in the 'anking sector. According to the CA "L rating the 'anksperformance are 9- which is satisfactor%. It is e#pected that in a %ear or so therating will 'e +- which is strong. o we can sa% that o!erall performance isgood in 'anking sector of Bangladesh

National Bank (Intership Report)

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Transcript of National Bank (Intership Report)