Introduction:

System Analysis and Design refers to the process of examining a business situation with the
intent of improving it through better procedures and methods. System analysis and design relates
to shaping organizations, improving performance and achieving objectives for profitability and
growth. The emphasis is on systems in action, the relationships among subsystems and their
contribution in meeting a common goal. Looking at a system and determining how adequately it
functions, the changes to be made and the quality of output are parts of system analysis. We
selected the NCC Bank Ltd to analyze.

Problem Statement:

1. To study about the infrastructure of NCC Bank.

2. To optimize the resource and manpower and know about the management hierarchy of
the organization.
3. To ensure financial viability and stored material.
4. To know about the nature of organizations and their structure to design appropriate
information system.
5. To know management structure and needs of each level of management.

Purpose:

System Analysis is one of the most important techniques that provide a systematic and broader
outlook in order to understanding, examining and creating or modifying system to meet specific
objectives. System analysis and design is an interactive and creative process. The purpose of
system analysis is pointed out as follows:

1. It helps in discovering means to design systems where subsystems may have apparently
conflicting objectives.
2. It helps in achieving inter compatibility and unity of purpose of subsystems.
3. It offers a means to create understanding of complex structure.
4. It helps by properly placing each subsystems with respect to its proper perspective and
context so that the system may best achieve its objectives with minimum available
resources.
 5. It means to create a tradeoff between functional requirements of a subsystem and its
immediately related subsystems.
6. It helps in understanding and comparing functional impacts of subsystems to the total
system.

Scope:

This report has been prepared through extensive discussion with bank employees. While
preparing this report we have an in depth knowledge about some of the banking activities
practiced by the NCC Bank Limited. It also helped us to acquire a fast hand perspective of a
leading private bank in Bangladesh.

Organization Overview:

National Credit & Commerce Bank Limited is one of the renowned organizations in the private
banking sector. It has quite a handful number of branches located throughout the country. One of
them is the Pahartoli Chowmuhani, Raozan in Chittagong. This is the 98th branch of the bank.

Organization Structure:

The management structure of the bank consists of a number of departments and persons running
and coordinating between those departments. As it is a branch of the bank, it has a manager who
has an eye over the overall matters of that branch. He has other staffs under him to perform
different operations. The total managing and maintaining of the branch is maintained by the
manager. The hierarchy of the management structure is as follows:
 Branch Manager

Deputy Manager

General Cash Advance

Executive Officer Executive Officer Executive Officer

Officer Officer Officer

Assistant Officer Assistant Officer Assistant Officer

Figure : Organization hierarchy of NCC Bank

The bank has three departments. Those are:

1. General banking
2. Cash Banking
3. Advance Banking

Functions of different Departments:

1. General Banking:
General banking department is considered as the direct customer service center. It is the
starting point of all the banking operation. It opens new accounts, remits funds, honor
cheques, takes deposits, issues bank draft, pay order etc. General banking is also known as
retail banking. The major banking is following:

Account opening section

Clearing section
Remittance
Account opening section:

It is a customer service section. A number of employees of the bank are ready to serve their
customer. In this section people come to open different kinds of accounts and schemes. There are
different types of accounts. Such as:

Savings account
Current account
Fixed term deposit
Short term deposit

Clearing section:

Clearing stands for mutual settlement of claims made in among member banks at an agreed time
and place in respect to the instruments such as cheque, PO etc. drawn on each other. The types of
clearing are:

Inward clearing
Outward clearing

Remittance:

Remittance is the best medium to transfer funds from one place to another. This function
eliminates the individual difficulties and the hazards in transformation of physical cash from one
place to another.

Remittance is divided into two categories.

Local remittance
Foreign remittance
Local remittance:

Transferring money among the country is called local remittance. In NCCBL, they provide
following services:

Pay order
Demand draft
Telegraphy/Telephone transfer

Foreign remittance:

These remittance services are providing for exchange foreign currency. These services are as
follows:

Foreign demand draft

Endorsement of US$ in passport
Travelers cheque
Money gram

Cash Banking:

Cash banking department is an important department of any bank. Cash amount is the main
source of all banking activities. For that everyday bank has to remain certain amount in cash in
accordance with the rules and regulations of Bangladesh Bank. The cash department mainly
performs the following functions:

Cash receipt
Cash payment

Advance Banking:

This department mainly deals with the loan giving section. The loan appliers are mainly the
businessmen or business enterprise. The bank gives loan in presence of 2 or more guarantor for a
certain period of time mostly for 2/3 months. By this time the borrower has to pay back the loan
with interest. Before giving to a particular person the previous transactions are to be checked.
The bank gives loan to customers depending on their CIB. There are different types of loans
offered by the bank. These are:

Personal loan
Educational loan
Car loan scheme
House building financing
House repairing and renovation loan
Home improvement loan
Festival loan
Marriage loan

Management structure:

Manager

Deputy Manager

Staff

Security Guard

Peon

Figure : Position hierarchy of NCC Bank

Types of Information:

Operational Information:
1. Monitoring up to date transaction information.
2. Information about daily attendance of staffs.
 3. Total money deposited and total cash out daily.

Tactical Information:
1. Allotment of different works to staffs.
2. Taking on new projects like Festival loan.
3. Checking availability of money, materials and equipments.
4. Granting leave.
5. Performance measurement of staffs.

Strategic Information:

1. New recruitment.
2. Promotion of staffs.
3. Fixation of rate of interest.
4. Analysis of other companys strategies.

Information Gathering:

Description of organization structure.

How many departments the system has?

What is the position hierarchy?

Are activities of your bank automated?

Who are the main customers of the bank?

What are the requirements for getting loan?

Do you feel any lacking in your current system?

What is your future plan for the improvement of the system?

During the information collection from the employee of the bank, the above mentioned questions
were asked whose answers are discussed throughout the report.
Requirement Specification:

Requirements specification establishes the basis for an agreement between customers and
contractors or suppliers. Requirements specification permits a rigorous assessment of
requirements before design can begin and reduces later redesign. The requirements specification
document enlists enough and necessary requirements that are required for the project
development. Through interviewing the employees of the bank, the systems that we think might
be improved or redesigned are listed below:

Online payment and billing system.

Improved security system.

Recruit some expert employees.

Conclusion:

National Credit & Commerce Bank Limited (NCCBL) is serving the market with almost full
range of services. The bank is run by a group of professionals who are well organized and
committed to the bank. Now it is gradually moving towards automation and which will not allow
any sort of discrepancies. Bank now looking and establishing foreign partners at abroad, to make
easier and shorter the time for the remit of NRB. All the above implies that they are successful in
gaining the trust of the people and business entities of our country.