AN INTERNSHIP REPORT

ON
General Banking Activities of Southeast Bank Limited

i
 Internship Report
General Banking Activities of Southeast Bank Limited
A study on Hematyetpur Branch

Md. Arif Hassan

Assistant Professor
Submitted To: Department of Business Administrative
Faculty of Business and Economics
Daffodil International university

Md. Yeasin Molla

ID:163-14-2238
Submitted By: Department of Business Administrative
Faculty of Business and Economics
Daffodil International university

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Southeast Bank Limited
Date of Submission: March 27, 2018

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 DEDECATED

TO

MY Beloved Parents

And

My Honorable Supervisor

iii
 Preface

It is by grace of Almighty Allah that I have become a Successful to bring out the
Internship Report in order to meet the growing needs of the learners, students, teachers,
professional manager and general readers.

Internship is the integral and basic requirement of all the business study programs in the
entire business study institute as it is necessary and basic requirement of the MBA post
graduation degree of the Department of Business Administration The Daffodil
international University. Because it is the practical implication of the theorical
knowledge which we have taught in our business subjects to gain further knowledge and
experience about professional activities. It equipment of the business professional and
which also helps new graduates to perform professionally as they get first step I their
practical professional life.

For this reason I was placed at Southeast Bank Ltd. (Hemayetpur Branch) Where I
have done my three months internship. During my internship tenure I have gained
knowledge about operations under the supervision and guidance of my Internship
Supervisor. During my whole duration I was rotated in all the General Banking
Department of the bank and was thoroughly briefed about the procedures of all the
banking operations by the concerned staff. My internship gives me easy and deep
overlook of all the banking operations.

May Allah bless us all!

____________

Md. Yeasin Molla

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 Letter of Transmittal

March 27th 2018

Md. Arif Hassan

Assistant Professor
Faculty of Business and Economics
Daffodil International University

Subject: Submission of Internship Report on “General Banking Activities of Southeast

Bank Limited”.

Dear Sir,

It gives me enormous pleasure to submit the internship report on “General Banking

Activities of Southeast bank Ltd”. A study on Hemayetpur Branch” as per instruction. I
expect the report to be informative as well as comprehensive.

While conducting the report, I have gathered lots of knowledge about banking system and
many unknown facts, problems and prospects of banking activities of different banks like
Trust Bank, Prime Bank, Eastern Bank, Dhaka Bank, Pubali Bank, SIBL etc. This
internship program and preparation of report has given me the opportunity to acquaint
myself with a reputed bank. I believe that the experience I acquired from this study will
facilitate me a lot in my future career life.

It has also to be mentioned that without your expert advice and co-operation it would not
have been possible to complete this report. I shall be pleased to answer any sort of query
you may have regarding this report.

Sincerely yours,

____________

Md. Yeasin Molla

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 Declaration

I am Yeasin Molla , student of masters of business Administration, , full semester ,

ID:163-14-2238, Major in Accounting from Daffodil International University would like
to declare that presented report on “General Banking Activities of Southeast Bank
Limited” is uniquely prepared by me.

I also declare that this work does not violate any existing copyright and this report is
only prepared for my academic requirement.

I further undertake to indemnify the universality against any loss damage arising from the
breach of the foregoing obligation.

_________

Md. Yeasin Molla

ID : 163-14-2238

Program MBA

45th Batch

Department of Business Administration

Daffodil International University

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 Certificate of Approval

I am pleased to certify that the Internship report on “General Banking Activities of

Southeast Bank Limited”, conducted by Md. Yeasin Molla bearing ID: 163-14-2238
of MBAProgram, Department of Business Administration has been approved for
presentation and defense.

Md. Yeasin Molla bears a strong moral character and a very pleasing personality. It has
indeed been a great pleasure working with him. I wish his all success in life.

……………………………………
Md. Arif Hassan

Assistant Professor
Faculty of Business and Economics
Daffodil International University

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 Acknowledegment

At the very beginning, I would like to express my deepest gratitude to almighty Allah for
giving me the strength & the composure to complete the internship report, Words actually
will never be enough to express how grateful I am, but never the less I shall try my level
best to express my gratefulness toward some people.

It’s a pleasure to convey my heartiest gratitude and greeting to my honorable supervisor,

Md. Arif Hassan, Assistant Professor, Department of Business Administration, and
Faculty of Business and Economics, Daffodil International University, I deeply
appreciate his cooperation, advice and guidance in preparing this report.

I would like to extend my heartiest thanks to the Southeast Bank Ltd for allowing me to
complete my internship. I would like to acknowledge and thanks the following personnel
who has extended their whole-hearted co-operation for preparing the report- Mr. Noor
Alam (Branch Manager of SEBL, Hematetpur Branch) Mohommad Hymayan Kabir (
Officer and Managing Operator of SEBL Hemayetpure Branch) then Tareq Bin Ziad
(Senior Officer of SEBL, Hemayetpur Branch) then Mohammad Nasimul Rayan (Senior
Officer of SEBL, Hematerpur Branch) then Abu Ahmed Shorif (Junior Officer of SEBL),
Muklesur Rahaman (Junior Officer of SEBL, Hemayetpur Branch) and Rehana Hossain
(Trainee Cash Officer of SEBL, Hemayetpur Branch), who spent valuable time from
busy schedule to guide me for the successful completion of my internship report.

I am very grateful to all of the people mentioned above for their co-operation in every
step to prepare my report successfully.

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 Executive Summary

It is designed to have a practical experience while passing through the theoretical

understanding. The report is the result of 3 month internship program in Southeast Bank
Limited. Southeast Bank Limited serves different services the customer in different
sectors. This report has been prepared with special emphasis on General Banking
Activities of Southeast Bank Limited, a well known private banking institute in
Bangladesh.

The report contents five chapters. The first chapter of the report describes inductor words
of the internship report in which Introduction of Topic, Background, objective of the
report. The organization part of Southeast Bank Limited, Organization Structure,
Mission, and Vision statement are contained in the second chapter. Chapter three
describes the products and services offered by Southeast Bank Limited. In chapter four,
analysis related to general banking performances has been discussed and find out the
performance and problems of general banking. And chapter five ends some
recommendations base on the findings to improve the current situation.

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 Abbreviations

ABP Accepted Bill for Payment

ATM Automated Trailer Machine
BIBM Bangladesh Institute of Bank
Management
BKB Bangladesh Krishi Bank
BIM Bangladesh Institute of Management
CD Current Deposit
CCS Consumer Credit Scheme
CRR Cash Reserve Requirement
CSM Customer Satisfaction Measurement
DD Demand Draft
FRD Foreign Remittance Division
FDIS Final Draft International Standard
HBL House Building Loan
IRA Individual Retirement Accounts
IBC Inward Bills for Collection
JIT Job Instruction Training
JA Job Analysis
JPP Job Performance Program
KSA Knowledge Skill Ability
KYC Know Your Customer
MP Man Power
MTDR Mudaraba Term Deposit Receipt
MSND Mudaraba Short Noticed Deposit
MBO Management By Objective
MO Management Objective
OJT On-the-Job Training
OBC Outward Bills for Collection
PO Pay Order
SD Saving Deposit
SEC Securities and Exchange Commission
SLR Statutory Liquidity Requirement
TA Transaction Analysis
TT Telegraphic Transfer
VA Value Added

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 Table of Contents

Serial Title Page

Title fly i
Cover page ii
preface iv
Letter of Transmittal v
Declaration vi
Letter of Approval vii
Acknowledgement viii
Executive Summery ix
Abbreviation x
Table of Content xi
Chapter 01: Introduction 1

1.1 Introduction 2
1.2 Origin of the report 3
1.3 Objective of the report 3
1.4 Scope of the study 4
1.5 Methodology of the Report 4
1.6 Limitation of report 5
Chapter 02:An Overview of Southeast Bank Limited 6
2.1 An Overview of Southeast Bank Limited 7
2.2 Starting Date of Business 8
2.3 Objectives of SEBL 8
2.4 Mission 9
2.5 Vision 9
2.6 Core values 9
2.7 Structure of Southeast Bank Ltd, Bangladesh 10
2.8 Structure of Southeast Bank Ltd Hemayetpur Branch 11

Chapter 03: General Banking Activities of Southeast Bank Limited 12

3 General Banking Activities 13

3.1 Account Opening Section 13
3.1.1 Accepting of deposit 14
3.1.2 Opening of account 14
3.1.3 Types of account 15
3.1.3.A Current account 15

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3.1.3.B Saving account 18
3.1.3.C Fixed Deposit Receipt 19
3.2 Remittance Section 20
3.2.1 Pay Order (P.O) 20
3.2.2 Characteristics of P.O 20
3.3 Bills and Clearing Section 22
3.4 Cash Section 24
3.5 Accounts Department 27
3.5.1 Daly Task 28
3.5.2 Periodic Task 28
Chapter 04: Analysis and Findings of Annual Reports 30
4.1 Analysis 31
4.1.1 Deposit Account 31
4.1.2 Saving Account 32
4.1.3 Current Account 33
4.1.4 Fixed Deposit 34
4.1.5 Loan and Advance 35
4.1.6 Net operating Income 36
4.2 Finding 37
Chapter 05 : Recommendation and Conclusion 38
6.1 Recommendation 39
6.2 Conclusion 40
Reference 41

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