Introduction

This internship is a part of the Bachelor of Business Administration (BBA)

program that provides an on-the-job experience to students. I was placed at ational
Ban! "imited# Bangshal $oad Branch# under the supervision of %r. &. % Ahsanullah#
'enior (ice )resident# in charge of Bangshal $oad Branch. The three months long
internship contract was given to me b* %r. %d. %ahbub +ossain# 'enior (ice
)resident of +uman $esource ,ivision of ational Ban! "imited.
This internship program was m* ver* first on-the-job exposure and provided
me with learning experience and !nowledge in several areas. ,uring the first few
wee!s of m* internship period# I was able to get accustomed to the wor!ing
environment of ational Ban! "imited. As the internship continued# I not onl*
learned about the activities and operations of correspondent Ban!# but I also gathered
some !nowledge about the basic business activities of ban!ing in first one-month of
m* internship period.
ational Ban! "imited pursues decentrali-ed management policies and gives
ade.uate wor! freedom to the emplo*ees. This results in less pressure for the wor!ers
and acts as a motivational tool for them# which gives them increased encouragement
and inspiration to move up the ladder of success. /verall# I have experienced a ver*
friendl* and supporting environment at ational Ban! "imited# which gave me the
pleasure and satisfaction to be a part of them for a while.
0hile wor!ing in different departments of this branch I have found each and
ever* emplo*ee too friendl* to me to cooperate. The* have discussed in details about
their respective tas!s. I have also participated with their wor!s. 'o# I have learnt to
write vouchers# ma!ing IB1# "B1# /B1# Account /pening# 1alculating the interest#
1ommissions the ban! gets# 2illing up the "31 documents# )osting in Transfer boo!s#
)reparing the supplementar*# Inward and /utward mail registers# ,,# TT# )4 issuing#
posting etc. in practical.
5
0hile ma!ing this report I have tried to discuss about all the activities the
ban! is performing. The activities I have focused on their nature.
Objective:
The primar* objective in this research paper is to fulfill the partial
re.uirements of Bachelor of Business Administration (BBA) degree. Besides
fulfilling the degree re.uirements# this internship report intends to cover a
comprehensive anal*sis of 6eneral Ban!ing of ational Ban! "imited in Bangladesh.
The report is aimed at stud*ing and understanding the various services offered b* this
2inancial Institution to its clients. In addition# the report also studies how ational
Ban! "imited has maintained growth in its 6eneral Ban!ing business b* maintaining
and enhancing its relationship with its client.
The ban! is also committed to fulfill its responsibilities to the societ* and the
countr*. In addition B" participated in the Brained %ulti )urpose )roject# a major
enterprise underta!en for improving the ecological balance and socio-economic
conditions of the farmers in the northern region of the countr*. 7stablishing the B"
2oundation# which operates ational Ban! )ublic 'chool 8 1ollege and sponsoring
various sports tournaments are a few of the mentionable projects that displa* B"9s
commitment to the societ*.
Scope:
This internship report covers all the trade related products handled b* ational
Ban! "td. such as 2oreign 7xchange# 1ash ,ept.# ,ispatch# Account /pening#
$emittance# Accounts# Administration# and "oan 8 Advance etc. The report also
covers the corporate clients of 1orrespondent Ban!ing ,epartment of ational Ban!
"imited. The clients included in this report are all local 8 foreign ban!s who are
engaged in foreign exchange business with B". The* are namel* as American
7xpress Ban!# Islami Ban!# 'onali Ban!# Agrani Ban!# :rttara Ban!# ;anata ban!#
<
,ha!a Ban!# $upali Ban!# )ubali Ban!# :nited 1ommercial Ban!# 'outheast Ban!#
A5-Arafah Islami Ban!# The 1it* Ban!# 'ocial Investment Ban!# ational 1redit and
1ommerce Ban!# )rime Ban!# )remier Ban!# /ne Ban!# %ercantile Ban!# I2I1
Ban!# ,utch Bangla Ban!# Arab Bangladesh Ban!# AI-Bara!a Ban!# 2irst 'ecurit*
Ban!# 2a*sal Islamic Ban!# 'tandard Ban!# Bangladesh =rishi Ban!# %uslim
1ommercial Ban!# %utual Trust Ban!# and Trust Ban!.
Methodology:
1ertain %ethods and techni.ues have been utili-ed to collect data for this
research paper. Both primar* and secondar* sources were chosen as effective means
of collecting data relevant for this report.
Interview was the basic techni.ue complied to collect primar* data from an*
people within the organi-ation. Information about the varieties of activities within the
1orrespondent Ban!ing ,epartment was collected through interviews. ,ata regarding
the t*pes of product offered to the clients and the descriptions for each of those
products were also gathered through interviews. Besides# on-the-job experience has
also helped me learn .uite a few things about the 1orrespondent Ban!ing ,epartment
and the organi-ation as well.
/n the other hand# secondar* sources were used to collect data regarding the
compan*9s performance over the past five *ears. )ublications and database within the
organi-ation helped me to gather data about the organi-ation.
>
History of National Bank
ational Ban! is regarded as the pioneer in the private sector ban!ing of
Bangladesh. ational Ban! started its journe* with the noble vision of diversif*ing
ban!ing activities into different areas of client services.
The ban! started its operation wa* bac! from <>
rd
%arch# 5?@>. 'ince then for
<A *ears this ban! is operating its activities through out the countr* in order to
strengthen the econom* of the countr*. In ever* sector of ban!ing activities B"
become the successful ban!. 6ood customer service# investment and the industrious
emplo*ees ma!e it possible for B" to be one of the leading ban!ing companies of
the countr*.
It was the first private sector ban! of Bangladesh full* owned b* local
entrepreneurs. The board of directors of the ban! consists of the finest intellects of the
countr*9s business# commerce and ban!ing areas. The acumen with their business and
extensive experiences ac.uired over the *ears guided B" to a great success and
fresher altitude.
The success of B" is largel* credited to its friendl*# co-operative
approach# understanding the special ban!ing needs of each and ever* client and
concern for the benefits and welfare. 2rom the beginning# the prime objective
of B" was to increase capitali-ation# to maintain disciplined growth and high
corporate ethics standard and enhance the health of the shareholders.
ow B" is operating its activities over the countr* with ?5 branches. These
branches are situated in most business points of the countr*. B" is the leading
investor in 6arment 'ector of Bangladesh. This helped the people to be emplo*ed.
The countr* also gets a lot of foreign currenc* from foreign countries. In 5??B B"
A
ac.uired e.uit* and management of epal Arab Ban! "td. and in 5??C B" opened a
representative office in %*anmar.
0ith a strong sense of in all business area of commercial ban!ing# B" could
foresee tremendous growth in homebound remittance from Bangladeshi expatriates in
:'A# :=# %iddle -7ast and in different countries of the world.
Corporate Directory
Chairman
)arveen +a.ue 'i!der
Board of Directors
%rs. +elena $ahman
%r. A. B. Tajul Islam
B
%r. A = % Anamul +a. 'hamim
%r. Da!aria Taher
%r. 'hahadat +ossain
%r. % 6 %urta-a
%r. %,. A-i-ul Ashraf# ()'1)
%r. % A urul Islam
%r. 'alim $ahman
%r. ' % 'hameem I.bal
%r. )rof. %ahbub Ahmed
%r. 1apt. Abu 'a*eed %onir
Managing Director
%. Anisu--aman
Deputy Managing Director
%r. %ohsin ul =arim
%r. A-i-ur $ahman
Company Secretary
%r. A = % 'hafi.ur $ahman
Executive ice !resident
%r. 'a*ed %o*a--em +ossain
%r. Do*a!im %addor
%r. %d. Bodiul Alam
%r. %d. %ostofa =amal
%r. %amun %ahmud
%r. 'hamsul +uda =han
%r. %d. %d %ahfujul Islam
C
%r. %d. ajib :ddin Bhui*an
"ead Office:
5@ ,il!usha# 1ommercial Area# ,ha!a.
#uditors:
%3' '. 2. Ahmed 8 1o.
1hartered Accountants
+ouse E <B $oad E 5> 3 A
Bloc! E ,# Banani#
,ha!a - 5<5>
F
Organization Structure
@
1hairman
%anaging ,irector (%,)
,eput* %anaging ,irector (,%,)
7xecutive (ice )resident (7())
'enior (ice )resident ('())
(ice )resident (())
Assistant (ice )resident (A())
6rade-I
6rade- I I
6rade- I I I
6rade- I I I A
6rade- I I I B
)rovisionar* /fficer3 ;unior /fficer
Mission & Corporate Objecties of
National Bank !i"ited
Mission of $ational Ban% &imited:
6ive the 1lients and the 'hareholders the highest facilities
6ive service in economic sector# lead it to the people9s door.
Broaden the business sector.
B* increasing wor!ing capacit* and capabilit*# the utmost use of
the emplo*ees.
Increment of investment to get the %ar!et 7conom* running
To build a 'trong Base of 1apital for the countr*
To invent the techni.ue of getting proper increment.
To create friendl* environment to give better customer service.
To broaden the activities of the ban! both in international and local
sectors to help the countr*9s economic development.
+ighest use of the data-Technolog* and proper planning of future
ban!ing activities.
Investment in )roper 'ector.
#oreign $%c&ange Depart"ent
2oreign exchange means the exchange of currenc* in terms of goods from one
countr* to another. This is the most well-!nown and well-organi-ed business uniform
?
in world business. 2oreign exchange mainl* has two partiesG
(a) Import
(b) 7xport
54
I"port Operations
There are different other parties who are also related to this foreign exchange
process. But Ban! is the most important of all the other parties. Ban! wor!s as
intermediar* in case of foreign exchange. 'o# we can sa* that the foreign exchange is
nothing but the combination of export and import in international platform.
If an importer wants to bu* goods from foreign countries he has to communicate
with the exporter or he ma* also communicate through indenting firms.
0hen an importer 8 exporter are agreed to come into a contract for bu*ing 8
sealing goods# then the importer issues a "H1 for the exporter# for issuing a "H1 at
B" the importer has to submit some necessar* papersH documents.
'hese are the follo(ing:
)*C +)mport registration certificate,:
To become an importer a person has to get I$1 which is issued b* 11I 8 7
(1hief 1ontroller of Import 8 7xport)
!roforma )nvoice- )ndent &etter:
After the agreement between importer 8 exporter for bu*ing 8 sealing goods# the
exporter will send a )roforma invoice for the importer. If the importer is un!nown
about the foreign sellers# he ma* contact with indenting firmsHagent9sHdealers. In
this case the exporter will send an indent letter for the exporter through the indent
firm. )roforma invoice indent letter includes .ualit*I price etc of ordered the
goodsH products.
55
Current #' . '#/ Certificate:
An importer is definitel* a businessman. As a businessman he must has to pa*
(AT 8 TAJ to the govt. 2or opening "H1 has to submit (AT 8 TAJ certificate.
&0C #uthori1ation #pplication form:
B" provides this form for opening a "H1. Importer 0ill fill up this form.
)M! +)mport, form:
Importer also has to fill up this form which is provided b* B".
&etter of #pplication:
After getting the )roforma invoice3indent letter from the exporter# the importer
writes an application favoring the manager of the branch where the subject is
K$e.uest to open a "31L.
#pplication . #greement for confirmed irrevocable (ithout resource to dra(ers
letter of credit:
This form includes either the goods3 products will come directl* b* ship 3 air
or b* transshipment 8 other necessar* condition.
After justif*ing all these papers3documents B" issues a "31 under the following
terms and conditions-
2or 2oreign &-C:
5. "31 Authori-ation form number and Bangladesh Ban!9s registration number
shall appear on the invoice.
<. 1ertification of origin from 1hamber of 1ommerce and 3or an* similar
institution re.uired.
>. 'igned pac!ing list re.uired in Triplicate.
A. ,ocuments evidencing shipment must not be dated earlier than date of
opening of this credit.
5<
B. 'hipment3 Transshipment b* flag vessel of Ira. M9prohibitedL.
C. /ne set of non-negotiable shipping documents to be sent b* courier to opener
within F da*s of shipment and a confirmation to this effect shall accompan*
shipping documents.
F. Bill of "ading shall indicate gross and net weight of merchandise.
@. 2orwarders 1argo $eceipt (21$) not acceptable.
?. All ban! charges outside Bangladesh including reimbursing charges are on
beneficiar*9s account.
54. )a*ment against discrepant documents must not be made under reserve or
guarantee without our prior approval.
55. )re-shipment inspection for .uantit*# .ualit*# description# classification and
price should be carried out b* Bureau (aritas. The final invoice and pac!ing
list should be endorsed b* Bureau (aritas with the number and date of
issuance of the 1$2.
2or &ocal &-C . Bac% to Bac% &-C +B'B,:
(5) Import under 7xport "31 o# date# must be appear in all shipping
documents.
(<) ,eliver* 1hallan must be countersigned b* the %anaging ,irector of
the import firm.
(>) )artial 'hipment and Transshipment not allowed.
(A) ,ocuments evidencing shipment(s) from Beneficiar*9s factor* to
/pener9s factor* b* Truc!3 (an.
(B) ,ocuments must be presented within 5B da*s of shipment. Third part*#
short for blan! bac!ed and chartered part* ,eliver* 1hallan3 Truc!3
(an receipt not acceptable.
#mendment of &-C: "31 can be amended b* the "31 issuing ban!. 2or amendment
importer has to write an application favoring the manager and also give charge for it.
5>
Cancellation of &-C:
*evocable &-C:
Importer can cancel "31 if an* .uer* arises under the rules 8 conditions
of :1),1 (:niform 1ustoms 8 )ractice for ,ocumentar* 1redit)3if the order
violates the rules of :1),1 but before the shipment is made.
)rrevocable &-C:
%ost of the "31 is Irrevocable. 7xporter can cancel "31# if an* .uer* arises in
terms of rules 8 conditions of :1),1.
If shipment is made in terms of "31 and shipping documents are submitted# it
becomes obligator* for the ban! to ma!e pa*ment against them. The amounts thus
stand advance on behalf of the importer b* creating K)a*ment Against ,ocumentsL
()A,) or Bills of 7xchange (B37).
If the importer retires the bills# the transaction ends there. 0here the importer
re.uests the ban! to clear the consignment from customs authorit* and3 or in case
where importer fails to retire the documents# ban! has to clear the goods from the
customs for fear of heav* demurrage. In both the cases# outstanding in )A, or B37 is
converted to K"oan against imported %erchandise ("I%) and the overdue interest
from the date of accompan* Bill of 7xchange to the date of transfer to "I% account is
charged. The advance against %erchandise is a loan account and onl* accounts for
clearance charges such as customs dut*# sales tax etc. are allowed to be debited.
5A
5B
Diagram of )mport Operations
5C
$%port Operations
'o become an Exporter a person needs 3
5. 1urrent A31 in B"
<. 7$1 (7xport $egistration 1ertificate) issued b* 11I 8 7 (1hief 1ontroller of
Import 8 7xport).
>. )ermission from sponsoring Authorit* such as Board of Investment for
industries# ,epartment of Textile for garments etc.
A. Traders Association9s certificate
B. (AT ((alue Added Tax) 8 TI (Tax Identification umber) certificates.
Common documents involved in the transportation of goods:
The main documents re.uired are Airwa* Bill 3 Bill of "ading# 1ommercial
Invoice# 1onsular Invoice# )ac!ing "ist# 1ertificate of Inspection# 1ertificate and
1ertificate of origin.
#ir(ay bill:
This document is a receipt issued b* an Air for the carriage of goods. 6oods
are delivered to the consignees when the* have identified themselves as the part*
named in the airwa* bill. It has two variantsG (5) %aster Airwa*s Bill (%A0B) and
(<) +ouse Airwa* Bill (+A0B). It is used b* the 2orwarder of the cargo
incorporation the "31 terms.
Consignment $ote4
It is used b* 1arrier li!e :nited )arcel 'ervice (:)').
Bill of &ading +B-&,4
5F
The bill of lading is not the actual contract between the owner of the goods
and the carrier# although it does provide evidence of the contract. It is a receipt for
goods shipped on board a vessel (for marine B3")# and is a document of title to the
goods# which are the subject of the contract between the bu*er and the seller. This is
wh* a marine B3" can be negotiated.
'here are t(o types of Bill of &ading:
A straight B3" which is non-negotiable.
The negotiable3shipper9s order B3" which can be bought# or sold# or traded#
while goods are in transit# and is used for letter-of-credit transaction.

The customer usuall* needs a cop* as proof of ownership to ta!e possession of the
goods.
Mater *eceipt:
The document is issued b* the %aster of the vessel after the cargo is loaded. It
carries the name of the shipper# place of receipt# and other related details. 'ea freight
is calculated on the basis of weight or volume.
Combined transport document:
This document allows goods to be moved from dr* ports to the destination.
Documents re5uired for customs clearance:
Bill of Shipping:
This form is lodged with customs and contains all information regarding the cargo
to be shipped. This form is filled in b* customs Agents32orwarder.
!hotocopy of the &-C received:
An export is generall* made on the basis of "31 received. This "31 also stipulates
all the documents that need to be attached with the documents of the goods
shipped.
5@
E/! 2orm:
All export must be declared as the 7J) 2orm under 1hapter << 'ection 5 (A) of
the 6uidelines for 2oreign 7xchange Transaction# 5??C of Bangladesh Ban!.
These 2orms (A copies) are supplied b* the Ban! to their export clients.
Commercial invoice:
As in a domestic transaction# the commercial invoice is a bill for the goods from
the bu*er to the seller. A commercial invoice should include a description of the
goods# address of shipper and seller# and the deliver* and pa*ment terms. The
bu*er needs the invoice to prove ownership and arrange pa*ment. 'ome
government agencies use the invoice to access customs duties.
Certificate of Origin:
1ertain countries# especiall* :'A# 1anada# 7:# ;apan# and Australia etc. re.uire a
signed statement to verif* the origin of the export item in order to monitor import
tariffs and .uotas. 'uch certificates are usuall* obtained through a semi-official
organi-ation such as a local chamber of commerce# and must be certified b* the
chamber of commerce. A certificate ma* be re.uired even though the invoice
contains all the necessar* information. ,ocumentation that re.uires a notar*
stamp or chamber of commerce stamp can be completed b* freight forwarder.
Export pac%ing list:
The export pac!ing list is considerabl* more detailed and informative than a
standard domestic pac!ing list. An export pac!ing list itemi-es the material in
each individual pac!age# and shows the individual net# legal# tare and gross
weights. )ac!age mar!ings should be shown along with the shipper9s and bu*er9s
references. The pac!ing list is attached to the outside of the pac!age in a clearl*
mar!ed waterproof envelope. The list can be used to determine the total shipment
5?
weight and whether the correct cargo is shipped. 1ustoms officials ma* use it to
chec! the cargo at inspection points.
)nspection certificate:
'ome purchasers and countries ma* re.uire a certificate of inspection# which
authenticates the specifications of the goods shipped# this is usuall* performed b*
a third part* and obtained from independent testing companies.
)nsurance certificate:
If the seller provides insurance# the insurance certificate states the t*pe and
amount of coverage.
Shipper6s Export Declaration +SED,:
This authori-es the export of freight. It is used to control exports and compile
trade statistics# and must be prepared and submitted to the customs agents for
shipments.
Consular invoice:
1onsular invoice are generall* re.uired b* %iddle 7ast countries issued b* the
embass* of the importer9s countr*. A consular invoice allows the importer9s
countr* to collect information on the value# volume# .ualit*# and source of the
goods. The invoice is purchased or obtained from the consulate of the countr* to
which the goods are being shipped and must be prepared in the language of that
countr*.
7S! Certificate:
<4
This certificate allows goods exported from Bangladesh to get entr* into 6')
offering countries on confessional rate of customs dut*. This certificate is b* 7)B
(7xport )romotion Bureau).
$ote:
If ha-ardous goods or exports-restricted goods are shipped# a ha1ardous cargo
certificate as in the case of the export of aphtha# or an export license is needed.
'imilarl* 2umigation 1ertificate is to be submitted for items li!e wooden
furniture etc.
7xporter needs to collect all these ,ocuments as per "31 terms and conditions.
!arties to the documentary credit transaction:
)ssuing Ban%
The "31 issuing ban! issues "31 at the re.uest of their customers. The "31
issuing ban! underta!es absolute obligations to pa* upon presentation of proper
documents stipulated in the "31.
Customer applicants
The "31 applicants are the part* on which re.uests the "31 issuing ban! issues
"31. The customer is normall* obligated to reimburse the issuing ban! for an*
pa*ment made under the "31 8 the customer often provides collateral to source the
reimbursement authori-ation.
Beneficiary Exporter
The beneficiar* is the part* entitled to drawn or demand pa*ment under the
"31. The beneficiar* will have to present the re.uired documents in compliance with
the "31 terms when pa*ment is demanded through the nominated ban!.
#dvising Ban%
After verification of authorit* of the "31 advising ban! gives notification to
the beneficiar* that a "3 1 has been issued b* the another ban!. The advising ban!
does itself under ta!e an* obligation to !now the beneficiaries claim. Its obligation is
<5
limited to accuratel* advising of the credit.
Confirming ban%
At the re.uest of the L/C issuing ban!# confirming ban! ma* add their
confirmation to a "31 .The ban! becomes directl* obliged to honor the claim of the
negotiating ban! provided all terms and conditions of the credit has been complied
with. The confirmer ban! normall* a ban! in the beneficiar* location.
$egotiating Ban%
egotiating means giving values of credit confirm documents to the
beneficiaries. egotiating ban! means# the ban! speciall* authori-ed in the credit to
negotiate documents drawn under the credit. In the case of a freel* negotiable credit
an* ban! ma* be negotiating ban! if it is expressl* consented to b* such ban!.
*eimbursing Ban%
If the "31 issuing ban! nominates a >rd ban! (The reimbursing Ban!) in the
"31 to honor the claim of the negotiating ban!. The reimbursement ban! ma* honor
the c5aim accordingl*. If the reimbursing fails to honor the claim of negotiating ban!#
"31 issuing ban! is obliged to honor the claim of negotiating ban!.
<<
Diagram of )mport . Export Operations
<>
Branc&es of NB! 'it& a "ap
Dha%a #rea
,il!usha
Imamgonj
ara*angonj
Bangshal $oad
7lephant $oad
2oreign 7xchange Branch
arshindi
Tangail
%*mensing
Babu Ba-ar
%alibagh
%oha!hali
Bandura
=awarn Ba-ar
orthbroo! +all $oad
)agla Ba-ar
Islampur
%otijheel
'avar
,hanmondi
=ishoregonj
<A
6ulshan
'herpur
;amalpur
D + ' 0 %edical 1ollege
6a-ipur
:ttara
%irpur
%ohammadpur
'reenagor
%adhupur
"a!e carcass

Sylhet #rea
'*lhet
%oulviba-ar
'reemongol
%irpur
Tajpur
Dindaba-ar
Beaniba-ar
'hivgonj
'ubidba-ar
Bishwanath
+obigonj
6opalgong
<B
'unamgong
Chittagong #rea
=hatungonj
Agrabad
1omilla
2eni
;ubliee $oad
1howmuhani
Brahmanbaria
,aganbhui*an
1handpur atun Ba-ar
)ati*a
'andwip
1ha!tai
)ahartali
'hei!h %ujib $oad
1ox9s Ba-ar
1hoddagram
%uradpur
Basurhat
%irasharai
<C
*ajshahi #rea
$ajshahi
$angpur
Bogra
)abna
,inajpur
'aidpur
aogaon
'irajgonj
1hapainawabgonj
Ishwardi
;o*purhat
Tha!urgaon
6odagari
atore
8hulna #rea
=hulna
Barishal
'at!hria
2aridpur
;essore
=ushtia
Bhola
<F
;hala!athi
=,A =hulna
aria
Bhanga
1howgacha
1harffasion
$B&6s 2ive 9ears !erformance at a 7lance
(Ta!a In %illion)
,escription
:;;: :;;< :;;= :;;> :;;?
Authori-ed 1apital 5444 5444 5444 5444 5444
)aid up 1apital A>4.<F A>4.<F B5C.>> C5?.B? @4B.AF
$eserve 2und 55?@.F4 5<F4.C> 5>AB.?? <55B.4> <AC@.F?
,eposit <C<FC.<C <FFC<.5< <@?F>.>? ><?@A.4B A4>B4.@F
"oans 8 Advances <5CFF.?C <<<BF.5B <>5<?.CB <F4<4.<5 ><F4?.C@
Investment >@>?.C4 A4AA.<4 A>FA.5F >B@CA.@< BF>4.>@
Import Business 5?<AB.F4 5?<CA.B4 <<4<@.>4 >5CA@.<4 A<AB@.B4
7xport Business 5FFF5.<4 5C>A5.@4 5F54B.>4 <5>AA.54 <@45?.<4
$emittance Business CAB@.54 FC>F.B4 ?4>B.B4 5>C5@.<4 <5>55.54
Total 7arning >>A>.BB >C<<.>5 >F5B.<5 A<4<.B< BF<@.@<
Total 7xpenditure <AF>.<> <CFF.<< <?@4.4C >>B5.5? AB@<.4A
7arning Before Tax <B4.>< >>C.4? A@A.<5 B@5.5> 54B@.F>
7arning After Tax 5AC.5? @@.5< 5F4.4< <F54CF B4F.A?
2ixed Asset @F@.AC @@?.C5 @?B.>B 5A>5.<> 5C<F.<?
Total Asset ABF5?.54 AF?<?.BF A@4<A.?C BB4AC.5A CCB>>.@4
(In TA=A)
,escription :;;: :;;< :;;= :;;> :;;?
Boo! value of share >F@.B? >?B.>5 >C4.C@ AA5.>C A54.>F
%ar!et value of share <>@.@C <<C.C5 AFB.<B FAC.B4 FC4.B4
7arning per share >>.?@ 5F.4F <F.AA A>.@B C>.45
,ividend paid
<4N
<4N <4N
>4N B4N
( In umber)
,escription :;;: :;;< :;;= :;;> :;;?
<@
2oreign 1orrespondent >B@ >B@ A54 >?5 A44
/fficers 8 7mplo*ees <5F5 <5@B <5>> <5@> <<F4
o. of 'hare holders ?B<5 ?<FC ?A?5 ?BCA 54<A4
o. of Branch FC FC FC
FC
?5
<?
S@O' #nalysis of this branch:
Strength of the Branch
a. 7fficient %anagement.
b. Better emplo*ee $elations.
c. Better "ocation of the Branch.
d. Better 2inancial 'tanding.
@ea%ness of the Branch
a. Inade.uate 0or!ing force.
b. 1onservative "oan )olic*
c. 'till the ban! is not full* computeri-ed. 'o# manual registers are used in
some cases.
d. "ess interest pa*ment than others in same accounts
Opportunities of the Branch
a. 6oodwill
b. %ar!et leadership of B".
c. The growth of the Ban!ing business.
d. 'ophisticated 1ustomer 'ervice 'chemes of the B".
'hreat of the Branch
a. political Instabilit*
b. Intense 1ompetition
c. 6overnment $ules and $egulations.
d. %ar!et 'egmentation.
>4
#indings
5. B" is the pioneer of privet sector ban!ing business.
<. The customer service is ver* much impressive than of other financial
institutions. Although# I have no idea about other branches of B"# But in
particular# B" Bangshal $oad branch is a good example of better customer
service.
>. 2oreign 7xchange is the major contributor to its earnings.
A. $emittance# both local 8 2oreign are effective manner of customer service.
B. 1omputeri-ation is speeding up the performance of the organi-ation
C. Top management guides to its subordinates when needed.
F. 'pecial schemes li!e consumer credit scheme# monthl* saving scheme#
0estern :nion %one* Transfer etc. are ver* popular.
@. The overall performance is good.
>5
(roble"s and )eco""endations
!roblems:
5. "ess interest pa*ment b* ational Ban! "imited than others in same accounts.
<. The decoration of the branch becomes older than other commercial ban!s.
>. 'till the ban! is not full* computeri-ed. 'o# manual registers are used in some
cases.
A. There is no color printer in this branch.
B. /n line ban!ing is not introduced in ational Ban! "imited.
*ecommendations:
5. 6iving better customer service.
<. 2ull computeri-ation of all activities.
>. 'ufficient numbers of )1 needed for proper wor!ing.
A. Interior decoration should be introduced for clients comfort.
B. 2ull computeri-ation of the branch will less the time consumption of manual
process. 'o# that the emplo*ees will able to perform well at the end.
C. /n line ba!ing should be introduced to compete with multinational ban!s.
F. %odern courses on ban!ing should be included in job training.
Conclusion
ational Ban! limited pursues decentrali-ed management polices and gives
ade.uate wor! freedom to the emplo*ees. This results in less pressure for the wor!ers
and acts as a motivational tool for them# which gives them# increased encouragement
><
and inspiration to move up the ladder of success. The report is aimed at stud*ing and
understanding the various services offered b* B" to its clients. In addition# the
report also studies how ational Ban! "imited has maintained growth in its general
ban!ing business b* maintaining and enhancing its relationship with its clients.
ational Ban! limited is regarded as the pioneer in the private sector ban!ing of
Bangladesh. The success of ational Ban! limited is largel* credited to its friendl*#
co-operative approach# understanding the special ban!ing needs of each and ever*
client and concern for the benefits and welfare. 2rom the beginning# the prime
objective of ational Ban! limited was to increase capitali-ation# to maintain
disciplined growth and high corporate ethics standard and enhance the health of the
share holders. Its customer service is ver* much impressive than of other financial
institutions. Their effective strateg*# time demand offerings# up to date rules and
regulations to cope with international mar!et and their friendship customer services
easil* impress the clients. 'o# now the ational Ban! limited is in leading position
in 2inancial Institutional sectors in Bangladesh.
>>
)eferences
5. Annual $eport <44C of ational Ban! "imited
<. Term papers of B" Training Institute
>. Transaction in foreign 7xchangeG )rinciples 8 )ractice
-B* M4*4 Sinha4
A. 6uidelines for 2oreign 7xchange Transactions.
B. 6eneral Ban!ing /peration manual
C. I11 1ustoms 8 )ractice for ,ocumentar* 1redits
F. Trade secretes O ,ha!a 1hamber of 1ommerce 8 Industr*
@. 1omparative Ban!ing O "ecture sheet
>A