Acknowledgements

The submission of this report- “General Banking Activities of National Bank Limited: A Study on Mohakhali Branch”is a great opportunity for me. The success of this assignment depends on the contributions of number of people especially who have shared their thoughtful guidance’s and suggestions to improve this report.

This assignment has created a great deal of interest in me. I must thank a few people who help and encouraged us to grow our interest.

First of all I would like to thank our honorable course instructor Ms.Samia Shabnaz, faculty of Management, American International University-Bangladesh (AIUB), for her proper guidance and care. Without her guidance and suggestions I couldn’t have completed this assignment properly. She has instructed me how to prepare a report correctly.

I obviously would like to give a special thanks to the Almighty for giving me such patience and power for completing this assignment smoothly.

Lastly I can say that, I have enjoyed in preparing this assignment and presented it for kind judgment.

EXECUTIVE SUMMARYThe internship is designed to bridge the gulf between the theoretical knowledge and real life experience. It is designed to have a practical experience while passing through the theoretical understanding. The report is the result of three months internship program with National Bank Ltd Mohakhali Branch. Today, necessity of a Bank as a financial institution is undeniable. These institutions play a vital role in the field of financial stability of a country. Banking sector is one of the stable financial institutions of a country economy.

The report focused on many kinds of general banking activities in National Bank limited, Mohakhali branch. Details discussion about various activities like account opening, account closing, pay order , demand draft etc has been done in this report. The areas that need improvement have been highlighted that was observed during the internship period. The organization need to give more effort to make the IT department more efficient and effective.

Lastly, the findings will be examined to prescribe a set of specific recommendations to improve the overall service quality according to customers expectations and also to solve the existing problems in the whole organizational level.

Table of contentChapter

No.Title Page

No.

Chapter: 1 Introduction 1

1.1 Rational 11.1.1 Objectives of the report 11.1.2 History 11.1.3 Mission 21.1.4 Vission 21.1.5 Branch 21.1.6 Department 2-31.1.7 Management 31.1.8 Organizational Structure of NBL 41.1.9 Product/Services 5-7

Chapter 2 Activities Undertaken2.1 Work Related 82.1.1 Account Opening Section 8-132.1.1.1 Account closing Activity 142.1.1.2 Account Transfer Activity 142.1.1.3 Dormant Account Activation 14-15

2.1.1.4 Cheque book issue Activities 15

2.1.1.5 Bank Account Statements & Certificates Activities 15

2.1.2 Remittance Section 16-17

2.2 Other relevant activities 18Chapter 3 Constraints & Challenge

3.1 Identified/ Observed in the organization 19Chapter: 4 4.1 Lesson Learned from the affiliation Internship Program 20Chapter 5 Concluding Statement

5.1 Summary 215.2 Suggestions addressing the challenges identified 21-22

Chapter 6 References 23Appendix 24-25

INTERNSHIP REPORT ON

“General Banking Activities of National Bank Ltd. : A Study on Mohakhali Branch”

Chapter -01INTRODUCTION

1.1Rationale: I am currently working as an Intern in a renowned financial institution named “National Bank Limited”. Till the period of my internship, I am working in several departments. I had spent most of the time working in General Banking Department. I am preparing this report concentrating on the General Banking Department of National Bank Limited. On this report I represent all of the bank’s facility provided to the valuable customers. Moreover I have come up with some findings and recommendations based in the experience gathered. This report will gives a clear idea about the general Banking, activities of effort being made to add new dimension so that clients can get “Additional” in the matter of services to commensurate with the needs and requirements of the country’s growing society and developing economy.

1.1.1Objectives of the report:

The objective of the report is to-1) Observe the general banking activities.2) Identify areas where they can improve.3) Give suggestion to improve the activities of the bank.

Background of the Organization

1.1.2 History:National bank Ltd is the first and major private sector commercial bank in Bangladesh fully owned by the Bangladeshi Entrepreneurs. The Bank started its operation from 23rd March 1983. As a result of the collective effects of the some eminent bankers, of failure in playing due to role in mobilizing small savings of the teeming millions and providing improved clients services to them in our country, the Government gave right decision to allow establishing banks in private sector. National Bank Limited was born as the first hundred percent Bangladeshi owned Bank in the private sector. From the very inception it is the firm determination of National Bank Limited to play a vital role in the national economy. It is determined to bring bank the long forgotten taste of banking services and flavors. It wants to serve each one promptly and with a sense of dedication and dignity.

1.1.3 Mission: Efforts for expansion of our activities at home and abroad by adding new dimensions to our banking services are being continued unabated. Alongside, we are also putting highest priority in ensuring transparency, account ability, improved clientele service as well as to our commitment to serve the society through which we want to get closer and closer to the people of all strata. Winning an everlasting seat in the hearts of the people as a caring companion in uplifting the national economic standard through continuous up gradation and diversification of our clientele services in line with national and international requirements is the desired goal we want to reach.

1.1.4 Vision: Ensuring highest standard of clientele services through best application of latest information technology, making due contribution to the national economy and establishing ourselves firmly at home and abroad as a front ranking bank of the country are our cherished vision.

1.1.5 Branch: The bank was opened on 28 March 1983 but the first branch at 48, Dilkusha Commercial Area, Dhaka started commercial operation on 23 March 1983. The second branch was opened on 11

May 1983 at Khatungonj, Chittagong. At present, NBL has been carrying on business through its 180 branches spread all over the country. Besides, the Bank has drawn arrangement with 415 correspondents in 75 countries of the world as well as with 32 overseas Exchange Companies.

1.1.6 Department:If the Jobs are not organized considering their interrelationship and are not allocated in a Particular Department it would be very difficult to control the system effectively. If the any Departments are not fitted for the Particular Works there would be Haphazard Situation and the Performance of a Particular Department would not be measured. National Bank Limited (NBL) has does this work very well. Different Departments of National Bank Limited (NBL) are as follows:

• Human Resources Division

• Personal Banking Division

• Treasury Division

• Operations Division

• Computer and Information Technology Division

• Credit Division

• Finance & Accounts Division

• Financial Institution Division

• Audit & Risk Management Division

1.1.7 Management: The National bank Limited is consisting of three organizational domains. Firstly the central top management, which contains Board of Directors, Managing Director, Additional Managing Director and Deputy Managing director. The major responsibilities of this group are to take central decision and transmit it to the second step. Secondly the executive level management, which contains Executive Vice Presidents, Senior Vice Presidents, Vice Presidents and Assistant Vice Presidents. The major responsibilities of this part are to supervise and control division/ department. Thirdly, the branch operation management, which contains branch manager and other mid/ lower level management.

1.1.8 Organizational Structure of NBL:Chairperson (Owner)

↓Directors (Owners)

↓Managing Director (MD)

↓Additional Managing Director (AMD)

↓Deputy Managing Director (DMD)

↓Executive Vice President (EVP)

↓Senior Vice President (SVP)

↓Vice President (VP)

↓Assistant Vice President (AVP)

↓Senior Principal Officer (SPO)

↓Principal Officer (PO)

↓

Officer↓

Assistant officer↓

Junior Officer↓

Probationary Officer

1.1.9 Product/services: The products and services rendered by NBL are mainly Deposit products, Credit products and Card services.

DepositDeposit products offered by the bank are:

• Savings Deposit• Current Deposit• Term Deposit• Foreign Currency Deposit• Monthly Savings Scheme• Monthly Income Scheme• Double Benefit Scheme• Millionaire Income Scheme

Term Deposit of NBL may be sub divided into two. These are Special Notice Deposit (SND) and Fixed Deposit. The bank provides interest to SND account and allows you to withdraw money at any time. Fixed Deposit account is naturally supposed to retain the money for the fixed term and then you’ll have full benefit. NBL presents opportunity for resident and non- resident Bangladeshis to have foreign currency accounts with interest.

Monthly deposit Scheme is a forced savings for limited income people. You have to deposit a fixed amount from Tk. 500 to a maximum of Tk. 10,000 every month. After a term of 3, 5, or 8 years you’ll get a handsome amount including interest. For Monthly income scheme you mat deposit a minimum amount of Tk. 100,000 and a maximum of Tk.5,000000 for three years and

you get in return a monthly income of Tk. 1000 for every Tk.100,000.

Double benefit scheme of NBL doubles your money in only 6 years. You are to deposit a minimum of Tk. 50,000 or any of its multiples. Maximum ceiling is Tk. 5,000000. Millionaire income scheme will make you an owner of Tk. 1 million in 5, 7, or 10 years through a monthly deposit. Installment varies accordingly.

CreditThe credit schemes provided by NBL are appended below:

• Overdraft• Lease Financing• House Building• Small and Medium Enterprise• Consumer Credit Scheme• Trade Finance

NBL maintains Over Draft opportunity for corporate clients to facilitate their day to day business operations. This is offered against deposit receipt or mortgage of property.

The bank provides Lease finance facility for Capital machinery, Different equipment, Gas /Diesel generator, Power Plant, Medical equipment, Lift/Elevator, Information Technology equipment, Construction equipment, and Consumer durables. The pay back is in easy installments.

A home of your own is not too far. You can have a loan from NBL for purchasing an apartment or for building a house. Maximum allowable loan is 70% of total value or Tk. 7,500000 which one is higher. You may have a grace period of 9 to 12 months.NBL has come forward to support financially the small businesses and small enterprises with new products named Festival Small Business Loan and NBL Small Business Loan. Maximum limit of loan is Tk. 300,000 and Tk.500.000 respectively for the two schemes.

Consumer credit is available from this bank for electronic consumer goods and for computer/computer peripherals. Interest rate is competitive.

NBL provides Trade Finance to almost all types of commercial concerns. It provides Working capital for industrial entrepreneurs, Trade finance for business, Issuance of import L/C,

Confirming of export L/C, and ensures Bonds and Guarantees.

Credit & Debit cardsNational Bank presented its International Master Card service before any other local bank here. In the meantime it has also introduced Visa and Power Cards (Debit card).The mission under taken by NBL during its inception was never ignored by it and it’s still working for the country and for the nation with full commitment.

Chapter -02

ACTIVITIES UNDERTAKEN

2.1Work Related:General banking division usually performs a lot of important banking activities. General banking division is the division, which is mostly exposed to the maximum number of bank customers. It is the introductory department of the bank to its customers. All business concerns earn a profit through selling either product or a service. A bank does not produce any tangible product to sell but does offer a variety of financial services to its customers. NBL has all the required sections of general banking and this section are run by manpower with high quality banking knowledge.

General banking section has three parts.

General banking section

But I was assigned in the Account Opening Section and Local Remittance Section of three general banking sections so short overview of my activities of these two sections is given below-2.1.1 Account Opening Section Account Opening Related Activity:Banker-customer relationship is a contractual one and this starts through opening of an account. To open an account, customer has to apply through a form provided by the bank named “Account Opening Form (AOF).” Bank requires to take as much as information about its customer during opening an account. The account opening form is a composite one and consists of followings:

• Personal Information Form• Account Opening Form (Individual/Corporate)• Expected Transaction Profile (ETP) Form • KYC Form• Terms and Conditions• Specimen Signature (SS) Card.

After receiving the dully fill up forms and necessary documents, bank may open that account. The minimum balance for opening an account must be received in cash. With the permission of Manager or Head of Operation, bank opens account. After opening an account, bank will not issue cheque book immediately rather bank issue a “Thanks letter” to customer’s address by mail for verification. With the thanks letter, bank sends an “Acknowledgement.” When customer comes to bank with acknowledgement, a cheque book requisition form is provided to him. Customer receives cheque-book seven days after requisition.

Bank provides account opening form to the prospective customer or applicant. The client fills up the form. But most of the time I filled up the information of the client in the application form. In the form I received applicant sign, nomine sign and introducer sign. I attached passport size photo of applicant and nominee. Then I submitted the form to the authorize officer. If the application form properly fill up and the required document is present the authorize officer give the account number. After that the authorize officer gave an entry on the computer and signed in the form. After giving the entry the authorize officer get a customer ID number means the account is open. Then I took a receive book and filled up the book. In receive book I wrote new account number and the amount that account holder must be paid to open an account. I wrote the number top of the form. The account holder paid the amount in the cash department. After paid the money I checked the book. The manager and branch operation manager also sign in the form.

• Types of accountsBasically the following types of accounts are opened. They are-

Savings Deposit  Current Deposit

Term Deposit  Foreign Currency Deposit

Monthly Savings SchemeSavings AccountIn savings deposit account, profit is payable to the customer. The profit for savings account is 4 percent. Customer can withdraw twice in a week and maximum limit per transaction is BDT 5 Lac. The minimum account opening balance is Tk. 600 and charged twice a year.

Current AccountNo profit is payable in current accounts. Current account has advantages over savings account.

Advantages are - no such withdrawal limit and overdraft facility. The minimum account opening balance is Tk. 2000 and account maintaining fee is Tk.500.

Fixed Deposit Related Activities Any amount can be deposited. Premature encashment facility is available. Overdraft facility available against term receipt. National Bank Limited offers fixed term savings that will scale up your savings amount with the time. While opening the account, the customer needs to provide proof of age establishing that he/she is a Senior Citizen. To accomplish this, either of the following can be submitted:

• Secondary School Leaving Certificate (10th Class)

• LIC Policy

• Voters Identity Card

• Pension Payment Order

• Birth Certificate issued by the competent authority

• Passport

• Defence ID Card / Govt ID Card (Provided they have the cardholder's photo, signature and date of birth)

The client fills up the form. But most of the time I filled up the information of the client in the application form. In the form I received applicant sign, nomine sign and introducer sign. I attached passport size photo of applicant and nominee.

Foreign Currency Deposit related ActivitiesNational Bank Limited gives opportunity to maintain foreign currency account through its Authorized Dealer Branches. Bangladesh nationals residing abroad or foreign nationals residing abroad or Bangladesh and foreign firms operating in Bangladesh or abroad or foreign missions and their expatriate employees following the liberalization of exchange controls Bangladesh Bank has authorized the banks to maintain different types of foreign currency accounts and convertible taka accounts. The following are the regulations laid down by Bangladesh in respect of these accounts. Who can open the accounts?Branches of National Bank limited may open Foreign Currency Accounts in the names of:

• Bangladesh nationals residing abroad • Foreign nationals residing abroad or Bangladesh and foreign firms operating in

Bangladesh or abroad • Foreign missions and their expatriate employees

Resident Foreign Currency Deposit (RFCD): This is a foreign currency denominated account. Those who domicile in Bangladesh but have to remit money to abroad because of various reasons are eligible to open an RFCD account.Non Resident Foreign Currency Deposit (NFCD):This is a foreign currency denominated account. Those who does not domicile in Bangladesh but have to remit money to Bangladesh because of various reasons are eligible to open an RFCD account.Requirements for opening RFCD Account:

• Two copies of recent passport size photograph• Photocopy of passport• Photocopy of work permit• Salary certificate or employer’s certificate

For the Officers of Different Embassy they need not to submit all these documents but the Employers certificate is must.Requirements for opening NFCD Account:

• Photocopy of passport• Citizenship certificate if available• Certificate or approval from our authority for exporting manpower• A nominee or authorized person will be selected by the account holder for transactions.

Bank provides account opening form to the prospective customer or applicant. The client fills up the form. But most of the time I filled up the information of the client in the application form. In the form I received applicant sign, nomine sign and introducer sign. I attached passport size photo of applicant and nominee and photocopy of passport , photocopy of work permit , salary certificate. Then I submitted the form to the authorize officer. If the application form properly fill up and the required document is present the authorize officer give the account number.

Monthly Savings Scheme Related Activities “See your small savings grow with NBL.”This scheme is specially designed for the benefit of the limited income group members. This helps to accrue small monthly savings into a significant sum at the end of the term. So, after the

expiry of the term period the depositor will have a sizeable amount to relish on.Monthly Return after 3 Return after 5 Return after 8Installment Years 9.00% Years 9.25% Years 9.50%500/- 20,627/- 37,896/- 70,849/-1000/- 41,255/- 75,791/- 1,41,697/-2000/- 82,510/- 1,51,583/- 2,83,394/-3000/- 1,23,765/- 2,27,374/- 4,25,091/-4000/- 1,65,020/- 3,03,166/- 5,66,788/-5000/- 2,06,274/- 3,78,957/- 7,08,485/-10000/- 4,12,549/- 7,57,914/- 14,16,970/-

A banker-customer relationship starts through opening an account. A bank opens accounts for various types of customers and the rules and regulation regarding required document follow by the Bangladesh Bank. Normally the banks have to deal with the following types of deposit customers:

• Individuals• Proprietorship Firms• Partnership Firms• Limited Companies• Clubs and Associations• Trusts• Executors and Administrators• Cooperative Societies • Government, Local Bodies & Corporations Account etc.

I provided MTDR form to the prospective customer or applicant. The client fills up the form. But many times I filled up the information of the client in the application form. In the form we receive applicant sign and nomine sign. We attached passport size photo of applicant and nominee. Then we submit the form to the authorize officer. If the application form properly fill up and the required document is present the authorize officer give the account number and give an entry on the computer and sign in the form. I wrote the account number top of the form and customer ID number. Then I took a credit voucher and filled up the voucher. After paid money in the cash section by the client he/she submit the voucher authorize officer. After that the authorize officer give him a document of MSS but when the account holder receive the document, I collected the sign of the client. Payment of MSS

Payment of MSS may be made before maturity or after maturity.Premature Encashment If encashment request is received within 30 days of issuing date, the purchaser will not receive any interest on it. Moreover, following charges will be subtracted from the principal amount:

Premature charge : 300 taka.VAT (15% on P. charge): 45 takaExcise Duty : Based on principal amount.

2.1.1.1 Account Closing Activity:Account closing is also done by account opening section. The customer may close his/her/their account(s) at any time giving notice to the bank. Similarly, the bank on genuine ground may close customer(s) account giving reasonable notice for the action or without any notice if the conduct of the account is not satisfactory to the bank or any reason(s) whatsoever in account closing most of the time I filled up the form. In account closing form I wrote account number and account holder name. I also collected signature of the account holder. I also collected unused leaves/cheque book provided by the bank. After that I brought the account opening form from the store room. After that I submitted the application form and the account opening form to the authorize officer. If the signature is match the authorize officer close the account. On closure of the account, the bank will pay the credit balance (if any) of the account and any profit due to the customer(s).

2.1.1.2 Account Transfer Activity:National bank Ltd provides online banking system. But sometimes account holder want to transfer their account. Account opening section also transfers account to from one branch to another on customer’s request.

First the bank provides the account transfer form. The account holder fills up the form. If account holder couldn’t fill up the form, I filled up the form. I also collected the signature of the account holder. The customer(s) must surrender the unused cheque books/leaves along with the requisition slip and other materials (if any) supplied by the bank for operation of the account. I brought the account opening form from the store room. After that the authorize officer verify of signature and send to the operation head. If the manager signed in the form, the authorize officer forward the documents to the respective branch and close the account.

2.1.1.3 Dormant Account Activation ActivitiesAn account is considered or classified as “Dormant” if the account remains inoperative for six months. To operate these accounts manager permission is necessary.

For dormant account activation bank provide an application form. I filled up the form and collected sign of the account holder. After that I submitted the form to the authorize officer. The authorize officer verified the sign and activated the account. I have done this work only one time in my internship period. To activate a dormant account, bank will charge Tk.500 + 15% VAT as activation fee.

2.1.1.4 Cheque Book Issue Activities:Bank provides a cheque book seven day after requisition. The name of account holder, account number and cheque number are printed on the book and leaves. Bank usually issue cheque book containing 20 leaves for savings account, 50 leaves for current account. A charge for cheque book is Tk.3.00 per leaf. So, Tk.60.00 charged for 20 leaves cheque book and Tk.150.00 for 50 leaves cheque book.

I provided the requisition form to the account holder. Sometimes I also filled up the requisition form and collected two sign of account holder. The authorize officer give an entry on the cheque requisition book. Sometimes I also gave an entry to the book. But the authorize officer also give an entry on the computer. When the account holder came to the bank for cheque book I collected sign of account holder in a book and the authorize officer gave the cheque book.

2.1.1.5 Bank Account Statements & Certificates Activities:All types of bank statements and certificates such as solvency certificates, income tax certificates, B.O. certificates etc. are issued by the bank on favor of the customers. As per customer’s instruction the bank dispatch the account statement/advice to his/her/their address. Moreover, on customer’s request, bank provides statement and certificates related to the account.

Sometimes I provided application form to the client or account holder. Account holder fill up the form with signature. I submitted to the authorize officer and the officer take necessary step for issuing bank account statement or certificate.

2.1.2Remittance Section

Sending money from one place to another through some charges is called remittance. To pay or receive money of customers in the form of remittance from one place to another, from one person to another inside and outside the national boundary is an earning source of every bank. NBL operates both the foreign and local remittance to serve its customers.

Foreign Remittance Activities:Foreign remittance is to send money of customers from one place to another, from one person to another outside the national boundary. Though Western Union, National Bank Ltd is able to serve the customers by paying their incoming foreign remittance in the form of local currency.

When a customer come to the bank for receiving foreign remittance, the customer give his pin number and say from which country the sender send money to the authorize officer. He checks by his computer .If everything is ok, he gave me a form and two pieces of printed paper. From that printed paper I wrote sender information and the amount of money. I also wrote the receiver information from his/her national ID card. I also collected the receiver sign on the form. After that I attached receivers photocopy of national ID card to the form and submitted to the authorize officer.

Local Remittance Related Activities:Sending money of customers in the form of remittance from one place to another, from one person to another inside the national boundary is another earning source of every bank. There are several techniques for collecting local remittance. These are:

• Pay Order • Demand Draft (DD) • Telegraphic Transfer (TT)

Activities of Payment Order (P.O.)Payment Order is a process of money transfer from payer to payee within a certain clearing area through banking channel. It's an order of local payment on behalf of the bank or its constitution. A customer can purchase different modes of payment Order such as pay order by cash and pay order by check.

National bank charges different amount of commission on the basis of payment order amount:Total Amount of PO Commission (Tk.) VAT (Tk.)1-1,00,000 20 3

1,00,000-5,00,0005,00,000-10,00,000Above10,00,000

3050100

5815

I collected the pay order application form from the authorize officer and provided to the customer. The authorize officer give an entry to the record book. After that the authorize officer take a pay order form and fill up the form. Sometimes I filled up the form. I collected signature of two authorize officer. When I handover the pay order I also collected signature of the client.

Activities of Demand Draft:The demand draft is a written order by one branch of a bank upon another branch of the same bank to pay a certain sum of money to or to the order of a specified person. DD is the most frequently used mode of inland remittance. It is applicable outside the Dhaka City. The DD generally issued for party’s safety. If there is a huge amount to bear one place to another, then customer can do the DD and bear it to his destination instead of cash.

The processing of Demand draft is all most same to pay order. The authorize officer write the dd. Sometimes I also wrote the demand draft. I collected the signature of second officer and when the clients receive the pay order, I collected his signature.

Activities related to Telegraphic Transfer (T.T.):Telegraphic Transfer is the most rapid and convenient but expensive method. There are different modes of telegraphic transfer such as Fax, Mobile, Telephone Telex, and Telegram. If an applicant wants to transfer money quickly to the pay in another city or district he /she may request the banker to send it by TT.

2.2 Other relevant activitiesI have done others Bank related activities of Bank documents’ photocopy, typing, mail to customer and call to customers. I visited project and others with officers. I have maintained the rules and regulation of the bank.

Chapter -03CONSTRAINTS/CHALLENGES

3.1 Identified/Observed in the Organization:

There are certain constraints regarding the studies that are summarized below:• Time provided for conducting the study is an important constraint.• Field practice varies with the standard practice that also created problem.• The employees in National Bank Limited are so much busy in their responsible fields;

they could hardly provide little time to discuss with them.• NBL has very poor IT department, while most of the other banks has strong IT

department.• NBL does not have online facilities like other private bank.• Despite the good banking service, sometimes customer service was not up to the level to

some extents. Lack of research, survey and feedback system with the customers is big factor in the bank.

• As part as some modern banking, their ATM booth services is not to the expected level yet

• It has been seen that they use very short version of check books.• Compared to other competitors their products and service was not that competitive and

for this they might face liquidity in future due to withdraw of their significant amount of money.

Chapter -04

4.1 LESSONS LEARNED FROM THE INTERNSHIP PROGRAM:

A specific topic on National Bank Limited has been assigned during the internship to ensure the use of student’s knowledge in the practical field of work and to ensure accurate learning while working in an organization. I Learned from the organization in my internship program are given below

• I have learned different rules & regulations of banking activities, employees, internee etc.• I have learned many banking procedures, facts such as Account opening, closing, Profit

taking, transferring, remittance etc.• I faced the situation and learned how to deal with different types of customers &

situations.• In the processing of making the report I have learned collecting, gathering, synchronizing

several information. I have gathered information from different employees like Manager, Branch Operation Manager.

• What I have learned in the university, I have used them in my internship program.• I gathered knowledge about the functions of different departments of the branch while I

was working in that department.• I knew that all employees maintain their formal uniform.• Chain of command is very important in a bank which I have also learned during my

internship.• I gathered theoretical knowledge of organization behavior in organizational behavior

course but during my internship program in NBL I have learnt about the real life organizational behavior and office environment.

Chapter -05

CONCLUDING STATEMENTS

5.1 Summary: The experience and learning have gathered from my whole internship program with the National Bank Limited was really important for me and I enjoyed the whole training from the first day of my internship program. This internship program assisted me a lot to realize my further career for the coming future. Rather than drawing a conclusion, I would like to say that this study was utterly indicative for me for my future career. During the long three months program, in fact most of the sections and department have been observed by me and I had acquired plenty of understanding about those. I had a great scope to match my theoretical knowledge with practical banking knowledge. From the experience of the whole internship program, the NBL Mohakhali Branch is a nice place to work with its nice and cooperative people within it. Additionally, understanding various sectors of the bank, it can be said that National Bank Limited plays some

vital roles for the country economy.

5.2 Suggestions addressing the challenges identified:• Time provided for conducting the study is an important constraint. 3 Month

internee duration is not properly for complete a report. The time should be lengthier 3 to 5 Month so that we can do our assigned tasks properly.

• Field practice varies with the standard practice that also created problem. To resolve the difference between our academic preparation and real situation academic lessons should be more realistic.

• The employees in National Bank Limited are so much busy in their responsible fields; they could hardly provide little time to discuss with internee. They should be more attentive and give more time. The employees should be more attentive to the internees so that we can learn properly.

• NBL has very poor IT department, while most of the other banks has strong IT department. If their IT department becomes more effective then we will be able to collect the information easily.

• NBL should introduce online based service where client will have access to his/her and they can transfer money;

• As part as some modern banking, they should increase the ATM booth services.

•  The HRD should look into the matter that the branches are well staffed with the right people in the right position.

• The bank should try to arrange more training programs for their officials. Quality training will help the official to enrich them with more up to date knowledge.

• NBL should segregate central decision making which resolve for delaying any purpose for their office approval.

Chapter -06REFERENCE

Chowdhury ,T .A. (2013) Modes of payment in international trade,(12th edition),InternationalPublisher (E-102), BIBM.

.Ghose, Krisna Kamal (2014),NBL Financial statement. Retrieved from http://www.Assainmentpoint.com.

H.s. Sarker and Vardhney P,N, (2014) Banking Law and Practice, (19th edition),

Education publishers, New delhi.

Khan Munna (2014),Annual report NBL, Retrieved from http:// www.report_bd.

Lawrence j . Gitman (2013) Managerial Finance( 9th edition),independent publication, mumbai.

MD.ATIQUR RAHMANAddress : Flat 3A;House:334A/2

East nakhal para,Tejgaon,Dhaka 1215 ;Bangladesh.Phone:+88 01934-208695

Email:Atiqur.aiub20@gmail.com

Career Objective Progress in career with professionalism, hard work and commitment to efficiency as well as provide management reliable and accurate information on a timely basis will help the company to achieve organization’s objectives.

Educational Background• Bachelor of Business Administration (BBA)

University : American International University - Bangladesh CGPA : 3.40 out of 4 Major : Accounting & Finance Passing year : spring 2015• Higher Secondary school certificate (H.S.C) Institution : Dhaka commerce College Group : Business Studies Passing years : 2010 Results : 4.80 out of 5 Board : Dhaka• Secondary school certificate (S.S.C) Institution : Ganganagar adarsh High School Group : Business Studies Passing years : 2008 Results : 4.38 out of 5 Board : Dhaka

Computer Competency• Proficiency in Operating systems, Windows xp 2000, Windows7 Vista. • Application programs such as Microsoft Word, Excel, Access and power point.

Language Skills• Average command over the Bengali and English language in both oral & written. • Understanding over all types of Business & official communication.

Extra Curriculum Activities• Selected for quiz TALENT HUNT 2013 (organized by the accounting & Finance)

• Also volunteered in Accounting and Finance week in 2014(organized by Accounting Finance)

Personal Attributes• Passionate and devoted to work hard in complex situation. • Highly energetic and self motivated to groom in future.• Ability to work in a team to obtain better output. • Care for other fellow mates and help to learn to enrich ourselves.

Personal Information Name : MD. Atiqur Rahman Father’s name : Shekh MD.Fazlul Haq Mother’s name : Maksuda Gender : Male Date of birth : March 21,1992 Place of Birth : Shariatpur Blood Group : A +ve Religion : Islam Nationality : Bangladeshi Marital status : Unmarried National ID : 19928619443000106

References

1.Mohammad YunusSenior executive officer of Eastern bank limitedPhone:01716-401785

2.Mohammad Faridul AlamAssistant professor, Department of Accounting (AIUB)House: #58/B,Road # 21, Kemal Ataturk Avenue ,Banani Dhaka - 1213Phone :8820865,9890804 Ext.515Cell:01819-293179E-mail :mf.Alam@aiub.edu

Acknowledgement I hereby declare that the information given above is true and confirm that if there is any information goes wrong I will be treated as disqualified. Signature:

MD.ATIQUR RAHMAN