AN INTERNSHIP REPORT

ON
STRATEGIES & PROCEDURES OF FUND COLLECTION
AND ITS PERFORMANCE ANALYSIS: A STUDY ON
EXIM BANK BANGLADESH LIMITED, KHULNA BRANCH
.
The Report ! S"#$tte% &! & P&rt&' F"'(''$e)t o( the
Re*"re$e)t o( B&+he'or o( B"!)e!! A%$)!tr&to)
SABYASACHI BOSU
ID NO: BBA,-.-/.-012
DEPARTMENT OF BUSINESS ADMINISTRATION
NORTHERN UNI3ERSITY BANGLADESH
4ANUARY /1, 0-/-
AN INTERNSHIP REPORT
ON
STRATEGIES & PROCEDURES OF FUND COLLECTION
AND ITS PERFORMANCE ANALYSIS: A STUDY ON EXIM
BANK BANGLADESH LIMITED, KHULNA BRANCH
The Report ! S"#$tte% &! & P&rt&' F"'(''$e)t o( the
Re*"re$e)t o( B&+he'or o( B"!)e!! A%$)!tr&to)
SUBMITTED BY:
S&#5&!&+h Bo!"
ID NO,BBA-.-/.-012
Department of Business Administration
Northern University Bangladesh
UNDER THE SUPER3ISION OF:
M%6 F&r"7 Ho!!&)
Le+t"rer ) F)&)+e
Department of Business Administration
Northern University Bangladesh
DEPARTMENT OF BUSINESS ADMINISTRATION
NORTHERN UNI3ERSITY BANGLADESH
4ANUARY, 0-/-
Letter o( Tr&)!$tt&'
January, 2010
Prof. AB. !asidu""aman
#n$%harge,
Department of Business Administration,
Northern University Bangladesh,
&hulna 'ampus.
(u)*e%t+ (u)mission of #nternship !eport on$ ,(trategies - Pro%edures of .und
'olle%tion AND #/( Performan%e Analysis+ A (tudy on 01# Ban2 Bangladesh 3imited,
&hulna Bran%h4
Dear (ir,
# am su)mitting my internship report on ,(trategies - Pro%edures of .und 'olle%tion
AND #/( Performan%e Analysis+ A (tudy on 01# Ban2 Bangladesh 3imited, &hulna
Bran%h4. # have %omposed as mu%h in se5uen%e as possi)le from the ar2eting Poli%ies
of 01# Ban2 Bangladesh 3imited. /hree months 6or2ing in 01# Ban2 Bangladesh
3imited &hulna Bra%h 6as a sensi)le 2no6ledge for me as it 6as in su%h an apparent
organi"ation in Bangladesh.
# assume that this internship program has enhan%ed )oth my 2no6ledge - e7perien%ed
a)out mar2eting poli%ies of private )an2. But you have supplementary 5ueries on the
topi% of this report, please let me identify.
/han2ing you for your valua)le advi%e and %ooperation.
8ours truthfully,
$$$$$$$$$$$$$$$$$$$$$$$$$$
8S&#5&!&+h Bo!"9
#D No$ BBA 0901902:;
Department of Business Administration
Northern University Bangladesh.
Letter o( De+'&r&to)
# de%lare that the thesis entitled ,(trategies - Pro%edures of .und 'olle%tion AND #/(
Performan%e Analysis + A (tudy on 01# Ban2 Bangladesh 3imited, &hulna Bran%h4
0m)odies the results of my o6n resear%h 6or2s persuade under the supervisor of
M%6F&r"7 Ho!!&), 3e%turer in .inan%e, Dept of Business administration, Northern
University Bangladesh.
# further affirm that the 6or2 reported in this thesis is original and is no part or 6hole
of the thesis has )een su)mitted to any other university < institute for any degree or
any other purpose.
$$$$$$$$$$$$$$$$$$$$$$$$$$
8S&#5&!&+h Bo!"9
#D No$ BBA 0901902:;
Department of Business Administration
Northern University Bangladesh
Cert(+&te
# have the pleasure to %ertify that the resear%h report entitled ,(trategies - Pro%edures
of .und 'olle%tion AND #/( Performan%e Analysis + A (tudy on 01# Ban2 Bangladesh
3imited, &hulna Bran%h4 )y (a)yasa%hi Bosu #D N=$BBA0901902:;, (tudent,
Department of Business Administration, Northern University Bangladesh, &hulna
'ampus, is the %andidate>s o6n a%hievement and is not a %on*oint 6or2.
# also %ertify that # have gone through the draft #nternship thoroughly, and found it
satisfa%tory for su)mission to the Department of Business Administration in fulfillment
of the re5uirements for the Degree of aster of Business Administration in ar2eting.
S"per:!or6

$$$$$$$$$$$$$$$$$$$$$$$$$$
8M%6 F&r"7 Ho!!&)9
3e%turer in .inan%e
Department of Business Administration
Northern University Bangladesh
&hulna 'ampus
A+7)o;'e%<e$e)t
.irst, # e7press my deep gratitude to the Almighty ?od 6ho %reated and nurture us in
this transitory 6orld. # also have to put my heartfelt respe%t and gratitude for the
2indness and %ooperation that 6as provided to me to %omplete my assigned report on
the topi% of ,(trategies - Pro%edures of .und 'olle%tion - Performan%e Analysis of a
Ban2+ A (tudy on 01# Ban2 Bangladesh 3imited, &hulna Bran%h4, in preparing my
report # have ta2en great assistan%e and support from some persons and organi"ation.
# 6ould li2e to e7press my gratitude and heartfelt than2s to all 6ho supervised me and
gave guidan%e throughout the study.
# %onvey my open than2s to respe%ted tea%her d. .aru2 @ossain, 3e%turer of .inan%e,
Department of Business Administration, Northern University Bangladesh, &hulna
%ampus for seriously the evolution of 6or2 from time to time and his regular )a%2 up
during the %omplete %ourse of my study. # e7press my sin%ere gratitude to respe%ted
tea%her d. ourtu"a Ahamed for is helping attitude to %omplete this study.
# 6ould li2e than2s espe%ially to respe%ta)le r. (hah d. A)dul Bari, (AP, @uman
!esour%es Division, @ead =ffi%e of 01# Ban2 Bangladesh 3imited. # 6ould li2e to
than2 all the employees of 01# Ban2 Bangladesh 3imited of &hulna Bran%h espe%ially
to d. ah)u)$Ul$Alam as 6ell as all the employees from top to )ottom of ,01# Ban2
Bangladesh 3imited B&hulna Bran%hC4, 6ho gave me ne%essary information and
e7%ellent guidan%e to prepare this internship report. # am grateful to d. oinul
@ossain B=ffi%er of #/C, d. #fthe2er Ati5ue BAssistant =ffi%er of 'ashC. # 6el%ome to
d. !e"aul &a)ir B(enior =ffi%erC, d. &amru""aman B07e%utive =ffi%erC, d. !a"on
&han BJunior =ffi%er of 'ashC, (ohel !ana @o6lader B=ffi%erC d. ahafu"ul #slam
B=ffi%erC, d. An6ar &adir B Junior =ffi%erC, Nahida A2tar B=ffi%erC, and d. ah)u)
!ahman o*umder, for their sympatheti% %olla)oration and generosity.
# pay my tri)ute to those resear%hes, authors, arti%le 6riters s%holars from 6hose 6or2
# have )enefited immensely in %ondu%ting my resear%h 6or2.
.inally, # feel it my o)ligation to e7press my heartiest than2s to my respe%ted parents,
my friends, espe%ially &hurshida Jahan &husiand and d. !a2i)ul #slam 6ho helped me
in every stage of the report )y providing valua)le information and suggestion in
respe%t of preparing this report.
$$$$$$$$$$$$$$$$$$$$$$$$$$
8S&#5&!&+h Bo!"9
#D No$ BBA 0901902:;
Northern University Bangladesh
E=e+"t:e S"$$&r5
/he main aim of this report is to find out the (trategies and Pro%edures of .unds
'olle%tion of 01# Ban2 Bangladesh 3imited. .rom this analysis, # find out the various
sour%es of funds %olle%tion and analysis the performan%e, 6hi%h is done from the
onthly /ransa%tion Posting (ummary !eport and Daily /ransa%tion Affairs issued )y
01# Ban2 3imited Bangladesh from the January 10, 200; to De%em)er D0, 200;,
6hi%h 6as the main sour%e of information.
01# Ban2 Bangladesh 3imited has the %ommitment to effi%ient )an2>s operations. /his
)an2 )elieves in it is un%ompromising to fulfill its %ustomer needs and satisfa%tion and
to )e%ome their first %hoi%e in )an2ing. 01# Ban2 Bangladesh 3imited intends to pave
the 6ay for a ne6 era in )an2ing.
#n my report, # have fo%used the performan%e of 01# Ban2 Bangladesh 3imited and
ho6 they %an run their operations smoothly. y study is all a)out to sho6 and prove
the adopted strategies and pro%edures of .unds 'olle%tion. /he o)*e%tive of my study
is to 2no6 a)out ho6 01# Ban2 designs their strategies and pro%edures to ma7imi"e
their funds )y performing their daily general a%tivities as 6ell as the %ommunity so%ial
responsi)ility. A%tually Ban2 %an generate its earning through transa%tion is very dire%t
6ay. (in%e ris2 is involved in dis)ursement transa%tion, Ban2 al6ays tries to minimi"e
its ris2 through maintaining the different types of )ills and do%uments.
y studies )a%2ground is )ased the materials %olle%ted from onthly /ransa%tion
Posting (ummary !eport and Daily /ransa%tion Affairs. /o analysis, these reports of
funds %olle%tion # have %olle%ted information a)out A%%ounts =pening and Deposits
Department, 3o%al !emittan%e Department, 'learing Department, .oreign !emittan%e
Department, .oreign 07%hange B07port - #mportC Department. #n %hapter three, #
%olle%t ne%essary information of various sour%es of funds %olle%tion of 01# Ban2
Bangladesh 3imited, &hulna )ran%h. #n this %hapter, # have %ompared num)er of
deposits from July 200; to De%em)er 200; through several graphi%al %harts. #n my
findings se%tion, # have %ited )oth positive and negative la%2ing of 01# Ban2 as 6ell
as # have also mentioned government indifferen%e and natural disorder 6hi%h has
%reated indire%t pressure on e%onomi% stru%ture of &hulna region. # have given my )est
effort to over%ome all of our limitations and tried a lot to ma2e our tas2 su%%essful.
T&#'e o( Co)te)t!
Co)te)t! P&<e!
/itle #
3etter of /ransmittal ##
De%laration ###
'ertifi%ate #A
'ertifi%ate of the Ban2 A
A%2no6ledgment A#$A##
07e%utive (ummary A###
'ontents #1$1
3ist of /a)les 1#
3ist of .igures 1##
CHAPTER,ONE: INTRODUCTION /,>
1.1 Ba%2ground of the study 1
1.2 =rigin of the !eport 1$2
1.D /opi% of the !eport 2
1.E (%ope of the (tudy 2
1.: =)*e%tive of the !eport 2
1.9 ethodology 2$D
1.9.1 (our%es of the data D
1.9.2 Analysis of Data D
1.F Plans for Presentation D$E
1.G 3imitation of the !eport E
CHAPTER,T?O: AN O3ER3IE? OF EXIM BANK LIMITED 1,0-
2.1 Ba%2ground of the 01# Ban2 3td. :$9
2.2 igration into #slami% Ban2ing 9
2.D /he (hariah 'oun%il of 01# Ban2 9$F
2.E (hariah Auditing F
2.: 01# Ban2 3td.+ At a ?lan%e F$G
2.9 Aision - ission of 01# Ban2 ;
2.F Business =)*e%tive of 01# Ban2 ;
2.G 'apital (tru%ture of 01# Ban2 ;
2.; 'orporate 'ulture of 01# Ban2 10
2.10 Board of Dire%tors - anaging Body 10
2.11 Department in 01# Ban2 10$11
2.12 .un%tional =rganogram of 01# Ban2 B@ead =ffi%eC 12
2.1D =rganogram of 01# Ban2 1D
2.1E =vervie6 of the Bran%h 1E
2.1: An organgram of the Bran%h in sho6 )elo6 1:
2.19 Produ%ts of 01# Ban2 Bangladesh 3td. 1:
2.19.1 Deposits Produ%ts 1:$19
2.19.2 Ne%essity Do%uments for A%%ounts =pening 19
2.19.D A%%ounts 'odes of 01# Ban2 19$1G
2.19.E #nvestment<.inan%ial Produ%ts 1G
2.19.: 3<' B#mport - 07portC Produ%ts 1G
2.19.9 Aisa #slami% 'ard 1;
2.19.F 07port and #mport /rade @andling and .inan%ing 1;
2.19.G .irst private se%tor )an2 to open e7%hange house in U& 1;$20
2.19.; (H#./ 20
2.19.10 ?rameen Phoney Bill Deposit 20
2.19.11 0le%tri%ity Bill Deposit 20
2.19.12 A/ Booth 20
CHAPTER,THREE: Str&te<e! & Pro+e%"re! o( F")%! Co''e+to)
o( & B&)7
0/,>0
(trategies - Pro%edures of .unds 'olle%tion of a Ban2 21$2E
D.1 (trategies of .unds 'olle%tion of 01# Ban2 2E$2G
D.2 Pro%edures 2G$E2
CHAPTER,FOUR: FINDINGS & ANALYSIS >@,1A
E.1 .indings ED$E:
E.1.1 Positive Dire%tions ED
E.1.2 Negative Dire%tions ED$EE
E.1.D ?overnment #ndifferen%e EE$E:
E.1.E Natural Disasters E:
E.2 Analysis E:$:G
E.2.1 01# Ban2 Performan%e E:$:F
E.2.2 ?overnment Deprivation :F$:G
CHAPTER,FI3E: RECOMMENDATIONS & CONCLUSIONS 12,./
:.1 !e%ommendations to %ompany :;$90
:.2 !e%ommendations to government 90$91
:.D 'on%lusions 91
B#'o<r&ph5 .0
Appe)%= 8A##re:&to)! & A+ro)5$!9 A/,A@
L!t o( T&#'e!
T&#'e! P&<e!
/a)le$1 F
/a)le$2 19$1F
/a)le$D 1F
/a)le$E 1G
/a)le$: 2;
/a)le$9 2;$D0
/a)le$F D0
/a)le$G D0$D1
/a)le$; D1
/a)le$10 D1
/a)le$11 D2
/a)le$12 D2$DE
/a)le$1D DE
/a)le$1E D:$E1
/a)le$1: E1
/a)le$19 E2
/a)le$1F E:$E9
/a)le$1G E9
/a)le$1; ::
/a)le$20 ::$:9
/a)le$21 :9
/a)le$22 :F
L!t o( F<"re!
F<"re! P&<e!
.igure$1 12
.igure$2 1D
.igure$D 1:
.igure$E EF
.igure$: EF
.igure$9 EG
.igure$F EG
.igure$G E;
.igure$; E;
.igure$10 :0
.igure$11 :0
.igure$12 :1
.igure$1D :1
.igure$1E :2
.igure$1: :2
.igure$19 :D
.igure$1F :E
.igure$1G :E
CHAPTER ONE
INTRODUCTION
/6/ B&+7<ro")% o( the !t"%5
0%onomy of Bangladesh is in the group of 6orld>s most underdeveloped e%onomi%s.
=ne of the reasons may )e its underdeveloped Ban2ing system. odern Ban2ing
system plays a vital role for a nation>s e%onomi% development. =ver the last fe6 years
the Ban2ing 6orld has )een undergoing a lot of %hange due to deregulation,
te%hnologi%al innovations, glo)ali"ation et%. /hese %hanges also made revolutionary
%hanges of a %ountry>s e%onomy. Present 6orld is %hanging rapidly to fa%e the
%hallenge of %ompetitive free mar2et e%onomy. #t is 6ell re%ogni"ed that there is an
urgent need for )etter$5ualified management and )etter$trained staff in the dynami%
glo)al finan%ial mar2et. Bangladesh is no e7%epting of this trend. Ban2ing se%tor in
Bangladesh is fa%ing %hallenges from different angles though its prospe%t is )right in
the future. oney and Ban2ing is the %enter around 6hi%h all$e%onomi% s%ien%e
%lusters. /herefore, this report is %arried on to find out the pro)lems fa%ed )y 01#
Ban2 and re%ommend some measures to over%ome these pro)lems for e%onomi%
development of Bangladesh.
#nternship program is a pra%ti%al re5uirement of BBA degree. # 6as for doing my
internship in 07port #mport Ban2 Bangladesh 3imited B01# Ban2C for the period of ;0
days starting from =%to)er 01 to De%em)er D1, 200;. During my internship period in
the 01# Ban2 B&hulna Bran%hC, # have 6or2ed under some department of the Ban2. #
6or2 under the supervision d. .aru2 @ossain and operation manager for his assistant
and guidan%e in %ompleting this report.
/60 Or<) o( the Report
As # 6as sent to 07port #mport Ban2 Bangladesh 3imited, &hulna Bran%h, the s%ope of
the study is only limited to his Bran%h. /his report %overs appro7imately all se%tors of
.unds 'olle%tion of 01# Ban2 Bangladesh 3imited that in%lude deposits, 3o%al
!emittan%e, 'harge for 'olle%tion of 3o%al 'harges, .oreign !emittan%e, .oreign
07%hange B07port - #mportC, 01# #slami% Aisa 'ard and is%ellaneous. /he report
limits itself to understanding the strategies and pro%edures of funds %olle%tion of
various se%tors of 01# Ban2 3td. #t 6as )eyond the s%ope of this report to study the
entire pro%ess of ea%h and every sour%es of funds %olle%tion )e%ause of feasi)ility and
time %onsiderations.
/6@ Top+ o( the Report
/o 6rite a report is ne%essary to sele%t a topi%. A 6ell$defined topi% refle%ts 6hat is
going on to )e dis%ussed throughout the report. /he topi% that has )een assigned )y
supervisor is ,(trategies - Pro%edures of .und 'olle%tion of a Ban2I A (tudy on 01#
Ban2 Bangladesh 3imited, &hulna Bran%h4. /he report has dis%ussed ho6 the )an2
ma7imi"es their funds.
/6> S+ope o( the St"%5
/his report has )een prepared through e7tensive dis%ussion 6ith )an2 employees and
6ith the %lients. Hhile preparing this report, # had a great opportunity to have an in
depth 2no6ledge of all the )an2ing a%tivities pra%ti%ed )y the 01# Ban2 limited. #t
also helped me to a%5uire a fast hand perspe%tive of a leading private )an2 in
Bangladesh.
/61 O#Be+t:e! o( the Report
/he primary o)*e%tive of the study is to meet the partial re5uirements for the
fulfillment of BBA program. /he %ore o)*e%tives of the study are as follo6s+
/o analy"e the strategies and pro%edures of fund %olle%tion that has ta2en )y
the )an2.
/o analy"e the num)er of deposit of 01# Ban2 3imited.
/o identify some typi%al pro)lem fa%ed )y 01# Ban2.
/o suggest some measures to6ards over%oming the identified pro)lem.
/o get 2no6ledge over day$to$day operation of the Ban2.
/o give some re%ommendation for the development of 01# Ban2 3imited.
/6. Metho%o'o<5
ethodology means the 6ay in 6hi%h the 6or2 is done. /his report has )een prepared
)ased on e7perien%e gathered during the period of internship from =%to)er 01, 200; to
De%em)er D1, 200;. .or preparing this report, # have ta2en a proper pro%edure to
%omplete this study. /he pro%edures 6ere as follo6s+
a. =)serving the pro%edure of )an2ing a%tivities follo6ed )y ea%h department.
). #nformal dis%ussion 6ith the respe%tive personnel.
%. #nformal dis%ussion 6ith the potential and e7isting %lients.
d. (tudy different %ir%ulars and files of the )an2.
e. Des2 6or2ing at various des2s for the period of three months.
/6.6/ So"r+e! o( the %&t&
#n order to ma2e the report more meaningful and presenta)le, t6o sour%es of data and
information have )een used 6idely.
/he JPrimary (our%es> are as follo6s+
.a%e$to$fa%e %onversation 6ith the respe%tive offi%ers in the )ran%h.
#nformal %onversation 6ith the %lients.
Pra%ti%al 6or2 e7posures on different des2s of the )ran%h %overed.
!elevant file study as provided )y the offi%ers %on%erned.
/he J(e%ondary (our%es> are as follo6s+ $
Annual report B200GC of 01# Ban2 3td.
Periodi%als Pu)lished )y Bangladesh Ban2.
Different pu)li%ations regarding Ban2ing fun%tions, foreign e7%hange operation
and %redit poli%ies.
#nternet 6as also used as a theoreti%al sour%e of information
/6.60 A)&'5!! o( D&t&
# have %olle%ted the data of num)er of ea%h deposits and finan%ial transa%tions from
January 200; to De%em)er 200;. @ere # have used some ta)les, figures and %olumn
%harts to analy"e this data. y su)*e%ts *udgments have )een used here for analy"ing
the data.
/6C P'&)! (or Pre!e)t&to)
/he report is divided into five parts. 'hapter one %ontains J#ntrodu%tion>. 'hapter t6o
%ontains JAn =vervie6 =f 01# Ban2>, 6hi%h in%ludes history of 01# Ban2, its
management and fun%tions. 'hapter three des%ri)es J(trategies - Pro%edures of .und
'olle%tion of a Ban2I A (tudy on 01# Ban2 Bangladesh 3imited, &hulna Bran%h>.
'hapter four, %omprises 6ith J.indings and Analysis> 'hapter five, %ontains
J!e%ommendations and 'on%lusion>.
/6A L$t&to)! o( the Report
/o prepare a report on the a%hieved pra%ti%al e7perien%e in a short Bonly three monthsC
is not an easy tas2. #n preparing this report, some pro)lems and limitation have
en%ountered 6hi%h are as follo6s+
a. =ne of the ma*or limitations is the shortage of internship period. (in%e three
month is not enough to 2no6 everything of a Ban2, so this report does not
%ontain all the area of 01# Ban2 3td.
). 01# Ban2 is not fully %omputeri"ed and it use postal %ourier servi%e to deliver
their offi%ial do%uments from here and there. #t is a time %onsuming matter
also.
%. /he main %onstrain of the study 6as insuffi%ien%y of information, 6hi%h 6as
re5uired for the study. /here are various information the )an2 employee %annot
provide due to se%urity and other %orporate o)ligations.
d. Be%ause of the limitations of various sour%es of information, the report does not
%ontain many important information and data. All s%heduled %ommer%ial )an2
regulated )y the instru%tion do %entral )an2. ost of the instru%tions are
%onfidential to the %ommer%ial )an2. (o, # 6as in%apa)le to provide valua)le
information.
e. As a ne6 )ran%h all 2inds of information regarding funds ma7imi"ation is
unavaila)le here.
f. Due to time limitation, many of the aspe%ts %ould not )e dis%ussed in the
present report.
g. (in%e the )an2 personnel 6ere very )usy, they %ould not provide enough time.
h. 3a%2 of opportunity to visit more than one )ran%h.
i. 3a%2 of 2no6ledge a)out Ban2ing and finan%ial related terminologies.
CHAPTER T?O
AN O3ER3IE? OF EXIM BANK LTD
06/6 B&+7<ro")% o( the EXIM B&)7 Lt%6
ainstream of )an2ing se%tor of Bangladesh %onsists of nationali"ed private and
foreign %ommer%ial )an2s. Ban2ing se%tor plays a signifi%ant role in so%io e%onomi%
development of the %ountry. Bangladesh Ban2 a%ts as %entral )an2 in our %ountry and
guides all other )an2s as mother )an2. .our nationali"ed %ommer%ial )an2s, five
governments o6ned spe%iali"ed )an2s, thirty$t6o domesti% private )an2s and tern
foreign )an2s are in operation in Bangladesh.07port #mport Ban2 of Bangladesh
3imited B01#C is one of the largest domesti% private )an2s of our %ountry. #t is also
2no6n as a (hariah )ased #slami% )an2. #t esta)lished on June 02, 1;;; as a )an2ing
%ompany under the leadership of 3ate r. (hah*ahan &a)ir, founder %hairperson 6ho
had a long dream of floating a %ommer%ial )an2, 6hi%h 6ould %ontri)ute to the so%io$
e%onomi% development of our %ountry. @e had a long e7perien%e as a good )an2er. A
group of highly 5ualified and su%%essful entrepreneurs *oined their hands 6ith the
founder %hairperson to materiali"e his dream. #ndeed, all of them proved themselves in
their respe%tive )usiness as most su%%essful star 6ith their endeavor, intelligen%e, hard
6or2ing and talent entrepreneurship. Among them, r. Na"rul #slam a"umder
)e%ame the honora)le %hairperson after the demise of the honora)le founder
%hairperson. /his )an2 starts fun%tioning from Drd August, 1;;; 6ith r. Alamgir &a)ir,
.'A as the advisor and r. ohammad 3a2iotullah as the anaging Dire%tor. Both of
them have long e7perien%e in the finan%ial se%tor of our %ountry. By their pragmati%
de%ision and management dire%tives in the operational a%tivities, this )an2 has earned
a se%ured and distin%tive position in the )an2ing industry in terms of performan%e,
gro6th, and e7%ellent management. /he )an2 issue pu)li% shares in 200E )oth in
Dha2a and in 'hittagong (to%2 07%hange. At first Ban2 6as 2no6n as B01#, 6hi%h
stand for ,Bangladesh 07port #mport Ban2 3imited4. /hen some legal %onstraint o%%urs
and governor of 'entral Ban2 proposed to %hange name from B01# to 01#. /he first
)ran%h of 01# )an2 opened on August 0D, 1;;;. At present )an2, have E: Bforty$fiveC
)ran%hes all over %ountry that operate operation on )asis of #slami% (hariah. Hithin 11
BelevenC years )an2 opened E: Bforty$fiveC ne6 )ran%hes in distin%tive pla%es of our
%ountry. #n addition, another ; BnineC )ran%hes 6ill )e esta)lished very soon. /otal
num)er of manpo6er 6or2ed in )an2 is 1DE0. /he authori"ed %apital and paid up
%apital of the )an2 are /2. D:00.00 million and /2. 29FF.G0 million respe%tively.
060 M<r&to) )to I!'&$+ B&)7)<
#slami% )an2ing 6as first innovated )y Dr. Ahmed Al Naggar of 0gypt in 1;90s. #n
1;F:, first #slami% Ban2 ,#slami% Development Ban24 started at Jeddah. .irst #slami%
Ban2 in our %ountry is ,#slami% Ban2 Bangladesh 3imited4 6hi%h 6as esta)lished in
1;GD. /heir main o)*e%tive is to %ontri)ute in e%onomi% development and prosperity
6ith the prin%iples of #slami% Justi%e, ensure optimal allo%ation of finan%ial resour%es
and e5uita)le distri)ution of in%ome. /he )an2 has migrated all of its %onventional
)an2ing operation )to Sh&r&h #&!e% I!'&$+ #&)7)< !)+e 4"'5 /, 0-->6
06@ The Sh&r&h Co")+' o( EXIM B&)7
07port #mport Ban2 of Bangladesh 3imited is the 1
st
)an2 in Bangladesh 6ho has
%onverted all of its operations of %onventional )an2ing into shariah$)ased )an2ing sin%e
July 01, 200E. He offer )an2ing servi%es for uslims and non$uslims ali2e allo6ing
our %ustomers %hoi%e and fle7i)ility in their savings and investments. Ban2>s produ%ts
are approved )y our (hariah Board %omprising of veteran uslim s%holars of our
%ountry 6ho are e7pert in all matters of #slami% finan%e. /he (hariah Board %onsists of
12 Bt6elveC mem)ers 6ho are highly edu%ated of #slami% e%onomy. /he present
%hairman of (hariah %oun%il is Professor aulana ohammad (alah Uddin.
/he pro%ess )y 6hi%h Nori)a>s investments are desingned and e7e%uted allo6s the
Ban2 to offer a %om)ination of (hariah %omplian%e and %apital mar2ets e7pertise that
is uni5ue through the 6orld. Nori)a is %ommitted to the stri%t adheren%e to the
re5uirements of the (haria as a result of the Ban2Ks sole fo%us on (haria$%ompliant
investments and the full supervision of its finan%ial produ%ts and transa%tions )y the
Nori)a (haria Board. Nori)a e7perts spe%ifi%ally design ea%h of the Ban2Ks investment
vehi%les 6ith the approval of the Nori)a (haria Board. =n%e the given produ%t or
transa%tion has )een arranged, the Nori)a (haria Board %arefully s%reens it for
%omplian%e )efore giving final approval for its implementation. /his %ontrol me%hanism
guarantees that all aspe%ts of Nori)aKs final produ%ts and )an2ing transa%tions are in
adheren%e 6ith the guidelines of the (haria.
(hariah %oun%il has to perform lots of %ompli%ated and important 6or2 su%h as replying
to in5uiry to )an2>s annual statements, shareholders, deposits and %ustomers and
other )an2ing a%tivities. /he pro%ess )y 6hi%h Nori)a>s investments are designed and
e7e%uted allo6s the Ban2 to offer a %om)ination of (hariah %omplian%e and %apital
mar2ets e7pertise that is uni5ue through the 6orld.
06> Sh&r&h A"%t)<
/his is a %ivil supervisiory aspe%t that shapes the Ban2>s mail feature. #t>s e7isten%e is
part of the (hariah supervisation Pro%udures. =ne of its main tas2 is to %he%2 the
shariah %omplian%y in the Ban2>s transa%tional pro%edures in a%%ordan%e to the .at6as
issused in the regard, under the guiden%e of the (hariah (upervisor. /he (hariah
auditor is assinged the tas2 of revising the Ban2>s transa%tional pro%uders throughtout
the year to %he%2 e7tent to 6hi%h the staff mem)ers and the different departments
have a)ided regulations, advi%e and .at6ass issued )y the .at6a - (hariah
(upervision Board, forums - )an2ing %onferen%es. As 6ell as, assuring that all the
states a right for the Ban2 or an o)ligation on the Ban2 is %ertified )y the .at6a -
(hariah (upervision Board.
oreover, the (haria Auditing su)mits periodi% reports to the (haria (upervisor in
order to )e proposed to the .at6a - (haria (upervision Board to state 6hat it finds
appropriate in that regard.
061 EXIM B&)7 LTD6: At A G'&)+e
Name 07port #mport Ban2 of Bangladesh 3imited
3egal .orm A (hariah Based #slami% Ban2
N&t"re o( B"!)e!! Sh&&h B&!e% Co$$er+&' B&)7)<
Date of #n%orporate June 02, 1;;;
.ounder 'hairman 3ate r. (hah*ahan &a)i
Present 'hairman d. Na"rul #slam a*umder
anaging Dire%tor &a"i asihur !ahman
'ompany (e%retary d. ?olam aha)u)
'hairman of (hariah 'oun%il Professor aulalna ohammed (alah Uddin
#nauguration of 1
st
Bran%h August 0D, 1;;;
'onverted to #slami% Ban2 July 01, 200E
Paid Up 'apital /2 29FF.G0 million
Authori"ed 'apital /2. D:00.00 million
Ne6 #nvented Produ%t .ully (hariah )ased Aisa #slami% 'ard
(logan /ogether /o6ards tomorro6
Per%entage of 'lassified 3oan 3o6er than 2L
/arget 'ustomers #ndividuals and 'orporate 'ustomer
Bran%hes :2
/otal anpo6er 1EF:
/heir Believe (hared eaning, Understanding - (ense a2ing
(to%2 07%hanges Dha2a and 'hittagong (to%2 07%hanges
/otal #n%ome in 200G 29F %ror BBefore dedu%ting /a7C
/otal Deposit in 200G :F,:G9,;;1,F;G %ror
/otal 'apital in 200G :,F9D,GG9,GG0 %ror
/otal #nvestment in 200G :D,9DF,9FF,10D %ror
8T&#'e /9
Re<!tere% O((+e
Export Import Bank of Bangladesh Limited
@ead =ffi%e,
Printers Building B:th, 9th, 10th - 1Dth .loorC
: !a*u2 Avenue, Dha2a $ 1000
Phone+ ;:9190E
.a7+ GG0$02$;::9;GG
/31+ 9E:2F01#@= BJ
0$ail+ e7imhoM)donline.%om
(.H.#.../ address+ 01B&BD@
06. 3!o) & M!!o) o( EXIM B&)7
=ur vision and mission are stated in the follo6ing )ullets+
/o )e the finest )an2 in the )an2ing arena of Bangladesh under the (hariah
guidelines.
/o maintain 'orporate and )usiness ethi%s.
/o )e%ome a trusted repository of %ustomersK money and their finan%ial advisor.
/o ma2e our sto%2 superior and re6arding to the %ustomers<share holders.
/o display team spirit and professionalism.
/o have a (ound 'apital Base.
/o provide high 5uality finan%ial servi%es in e7port and import trade.
/o provide e7%ellent 5uality 'ustomer servi%e.
06C B"!)e!! O#Be+t:e! o( EXIM B&)7
a2e sound investments.
eet %apital ade5ua%y re5uirement at all the time.
0nsure 100L re%overy of all advan%es.
0nsure a satisfied 6or2 for%e.
.o%us on fee$)ased in%ome.
Adopt an appropriate management te%hnology.
#nstall a s%ientifi% #( to monitor Ban2>s a%tivities.
06A C&pt&' Str"+t"re o( EXIM B&)7
/he )an2 has a strong %apital )ase. #ts authori"ed %apital is /&. 1000 million 6hile its
initial paid up %apital is /2. 222.:0 million su)s%ri)ed )y the sponsors. /o solidify its
%apital the paid up %apital 6ill further rise to /2. E:0.00 million 6ithin a reasona)le
period )y pu)li% offerings of shares of the )an2. /he sponsors are the leading )usiness
personalities and reputed industrialist. #t 6as started under the e7perien%ed and
2no6ledgea)le leadership of late (ha*ahan &a)ir 6ho 6as the %hairman of the )an2.
062 Corpor&te C"'t"re o( EXIM B&)7
/his )an2 is one of the most dis%iplined Ban2s 6ith a distin%tive %orporate %ulture. @ere
6e )elieve in shared meaning, shared understanding and shared sense ma2ing. =ur
people %an see and understand events, a%tivities, o)*e%ts and situation in a distin%tive
6ay. /hey mould their manners and eti5uette, %hara%ter individually to suit the
purpose of the Ban2 and the needs of the %ustomers 6ho are of paramount importan%e
to us. /he people in the Ban2 see themselves as a tight 2nit team<family that )elieves
in 6or2ing together for gro6th. /he %orporate %ulture 6e )elong has not )een
imposedI it has rather )een a%hieved through our %orporate %ondu%t.
06/- Bo&r% o( Dre+tor! & M&)&<)< Bo%5
/he )oards of dire%tors as 6ell as the managing )ody of 01# )an2 are very pragmati%
and uni5ue %om)ination of )oth private and ?overnment se%tor e7perien%e. /he
managing )odies of 01# )an2 are %onsisted )y 12 Bt6elveC persons, 2D Bt6enty$
threeC sponsors and the managing )ody are %onsisted )y 1E BfourteenC persons.
06// Dep&rt$e)t ) EXIM B&)7
/o perform daily )asi% )an2ing and transa%tion a%tivities 01# Ban2 has divided its
)an2ing a%tivities into t6elve departments. ain o)*e%tive of this departmentali"ation
is to mo)ili"e their daily 6or2s and provide standard )an2ing servi%e to the %ustomers.
/he departments of 01# Ban2 are giving )elo6+
1. A%%ount =pening
2. 'ash
D. !emittan%e
E. Des%htpas
:. A%%ounts
9. 'learing
F. Deposits
G. #nvestment
;. #nformation /e%hnology B#/C
10. .oreign 07%hange B07port and #mportC
11. (H#./
12. =thers
i. Aisa 'ard Division
ii. @uman !esour%e Division B@!DC
iii. #nternational Division B#DC
iv. !eady ade ?arments B!?C
v. er%hant Ban2ing
vi. (hariah 'oun%il
vii. Hestern Union
06/0 F")+to)&' Or<&)o<r&$ o( the EXIM B&)7 8He&% O((+e9
Board of
Directors
Chairman
Special Audit
Division
Board
Secretariat
Managing
Director
Share Div.
AM
?eneral
#nvestment Div.
3a6 -
!e%overy Div. '.'.D
DM
GSD
Bran%h
07pansion
Div.
ID
HRD
DM
SE
8F<"re,/9
06/@ Or<&)o<r&$ o( the EXIM B&)7
/he organogram of the 01# Ban2 Bangladesh 3td. are follo6ing

















8F<"re,09
06/> O:er:e; o( the #r&)+h
07port #mport Bran%h is one of the largest domesti% private #slami% )an2s of our
%ountry, 6hi%h started its operation on June 02, 1;;;. After passing su%%essful ten
years, 01# Ban2 has esta)lished its ED
th
)ran%hes in &hulna %ity.
'orresponden%e
Ban2ing Dept.
!e%on%iliation
Dept
.
Dealing
!oom
(tatement
- !eturn
3'
Approval
- .ollo6
0B#/ /ransport Dept. P!D
Poli%y
Dept.
(taff (ervi%e
Dept.
Dis%iplinary
'ases Dept.

?ratuity Provident .und
- upper Annuation .und
Dept.

!? Division #/ Division ar2eting - Development
Division
.AD ?BD #''D
er%hant
Ban2ing Dept.
A%%ount -
Balan%e (heet
Dept.
A3'= (tatement -
!eturn Dept.
(tatement -
!eturn Dept.
(tatement -
!eturn Dept.
= - . - Produ%t
Development
Dept.
Board of Dire%tors
anaging Dire%tor
Additional anaging
Dire%tor
Deputy anaging
Dire%tor
(enior 07e%utive Ai%e
President
07e%utive Ai%e
President
(enior Ai%e President
Ai%e President
(enior Assistant Ai%e
President
Assistant Ai%e
President
(enior Prin%ipal =ffi%er
Prin%ipal =ffi%er
07e%utive =ffi%er
!fficer
anagement /rainee
!fficer
Junior !fficer
Assistant =ffi%er
Assistant /rainee
=ffi%er
&hulna )ran%h at first started its operation on January 0:, 200; BBangla Poush 22,
1E1:C. #t is situated in the ground floor of A, @ossain Pla"a, E (ir #5)al !oad, in the
middle point of Boro)a"ar, &hulna. /he )an2 is very 6ell de%orated, large spa%ed and
highly organi"ed )y the employees than any other )an2. @ere every 2ind of fa%ility is
availa)le for %ustomers.
/hough this )ran%h starts its operation in 200; only )ut no6 a day it turned into one of
the important )ran%hes of the 01# )an2. /his happen )e%ause the )ran%h is situated
in the middle point of Boro)a"ar and that>s 6hy the )ran%h gets most of the )usinesses
of &hulna %ity.
@ere huge num)er of people 6or2ed together to run the )ran%h effe%tively. /he total
num)ers of employees are thirteen B1DC in%luding manager and regional manager. All
the employees of the )ran%h are 6ell edu%ated and organi"ed and they do their 6or2
very sin%erely and in a dis%iplined manner. /his is %onsidered as another reason of
)ran%h su%%ess.
/he employees of the )ran%h are divided into five B:C )ig se%tors of the )an2 6here
they 6or2 all the time. /he se%tors are general )an2ing Ba%%ounts opening, remittan%e,
dispat%h, %learingC, #/, a%%ounts, investment and foreign e7%hange. /he anager of the
)ran%h is a soft hearted and highly e7perien%ed person. @e has full %apa%ity to run the
)ran%h effe%tively.
06/1 A) Or<&)o<r&$ o( the #r&)+h ! !ho;) #e'o;
(enior Prin%ipal =ffi%er
07e%utive =ffi%er
(enior =ffi%er
=ffi%er B'ash, #/, ?BC
Assistant =ffi%er
EXIM B&)7 B&)<'&%e!h Lt%6
Kh"')& Br&)+h
Junior =ffi%er
8F<"re @9
06/. Pro%"+t! o( EXIM B&)7 B&)<'&%e!h Lt%6
01# )an2 has laun%hed various attra%tive produ%ts and s%hemes for %ustomer>s
satisfa%tion and )enefits. A%%ording to the (hariah %oun%il 01# )an2 has provided
modern )an2ing fa%ilities to its valua)le %ustomers. 01# )an2 )elieve that ,0very day
is %ustomer>s day4 that means employees of 01# )an2 has dedi%ated themselves ea%h
day for %ustomers satisfa%tion. Produ%ts of 01# )an2 are des%ri)ing )elo6+
06/.6/ Depo!t! Pro%"+t!
a. Al Hadiah 'urrent Deposit
). udara)a (avings Deposit
%. udara)a (hort /erm Deposit
d. udara)a /erm Deposit
=ne onth
/hree onths
(i7 onths
/6elve onths
/6enty .our onths
/hirty (i7 onths
e. udara)a (avings (%heme
f. onthly (avings (%hemeBoney ?ro6erC
: years
G years
10 years
12 years
g. onthly #n%ome (%hemeB(teady oneyC
h. ore than Dou)le the deposit in G years B(uper (avingsC
i. ore than triple the Deposit in 12 years Bultiplus (avingsC
*. udara)a @a** Deposit
06/.60 Ne+e!!&r5 Do+"$e)t! (or A++o")t! Ope))<
/o open an a%%ount in 01# Ban2 some essential do%uments are )adly needed for the
a%%ount holder. /he do%uments are given )elo6+
/6o %opies photographs B=ne %opy a<% holder - one %opy nominee attested )y
the a<% holderC
Photo%opies of a<% holder - nominee national #D 'ardC
/rade %ertifi%ate, /in %ertifi%ate, AA/ B#n %ase of (ole proprietor, partnership,
*oint ventureC.
06/.6@ A++o")t! +o%e! o( EXIM B&)7
Co%e! o( A++o")t Ope))<
EXIM B&)7 ADC Te)"re Pro(t R&te Se+tor Co%e
Al Hadiah 'urrent Deposit $ $ 111
udara)a (hort /erm Deposit , DL 1D1
udara)a (aving Deposit B(DC , EL 121
udara)a (aving Deposit B(DC
B(taffC
, EL 122
udara)a (aving (%heme B((C : years ;.1:L 911
G years ;.D0L 912
10 years ;.E0L 91D
12 years ;.:0L 91E
udara)a /erm Deposit !e%eipt
B/D!C
01 month :L 1F1
0D months GL 1F1
09 months GL 1F2
12 months GL 1FD
2E months GL 1FE
D9 months GL 1F:
A)ove : %rors G.:L 1F:
udara)a (uper (avings (%heme Dou)le MG years (BN;.:0 91:
udara)a ultiplus (avings
(%heme
/riple M12 years (BN;.:0 91F
udara)a onthly #n%ome (%heme D years (BN;.:0 1F:
udara)a @a** Deposit A%%ording to A<'
holder 6ish
(BN;.:0 1G1
8T&#'e 09
A++o")t! He&% o( EXIM B&)7
A++o")t! He&% Co%e
3ia)ility :01
(undry :02
07penditure :0D
#n%ome :0E
8T&#'e @9
Pro(e!!o) Se+tor +o%e
S'6 No P&rt+"'&r! Se+tor Co%e
1 Professionals - self employed persons Bsu%h as
Do%tors, 3a6yers, 'ontra%tors, /a7i Drivers et%C
;10000
2 Hages - salary earners B6or2ing in the %ountryC ;11000
D =ther lo%al individuals ;1:0:0
Co$$er+e &)% Tr&%e
1 07porters and #mporter ;0D0D0
2 Hhole sale traders ;0D0E0
D !etail traders ;0D0:0
E =thers ;0D0;0
8T&#'e >9
06/.6> I):e!t$e)tDF)&)+&' Pro%"+t
a. 'orporate .inan%e
). #ndustrial .inan%e
c. Pro*e%t .inan%e
d. (yndi%ate #nvestment
e. ode of #nvestment
ura)aha
Bai ua""al
#"ara Bil Baia
Ha"irat Bil Ha2ala
Ouard
3o%al Do%umentary Bill Pur%hased
.oreign Do%umentary Bill Pur%hase
06/.61 LDC 8I$port & E=port9 Pro%"+t!
01# Ban2 is posed to e7tend 3<' fa%ilities to its importers < e7porters through
esta)lishment of %orrespondent relations and Nostro A%%ounts 6ith leading )an2s all
over the 6orld.
06/.6. 3ISA I!'&$+ C&r%
By the gra%e of Almighty, 01# Ban2 3td has started %ommer%ial operation of fully
(hariah )ased A#(A #slami% 'ard B3o%al, #nternational - Dual 'urren%yC under the
prin%iple of Bai ura)aha. /his is the first #slami% ele%troni% produ%t for any #slami%
)an2 in Bangladesh.
/he main features of the %ard are$
3o6est profit rate in the %ard mar2et
(imple profit rate
No hidden %harge
Dual %urren%y fa%ility and
#nstant %ard message servi%e in mo)ile
06/.6C E=port &)% I$port Tr&%e H&)%')< &)% F)&)+)<
As a %ommer%ial Ban2, 6e do all traditional Ban2ing )usiness in%luding the 6ide range
of savings and %redit s%heme produ%ts, retail )an2ing and an%illary servi%es 6ith the
support of modern te%hnology and professional 07%ellen%y. But our main fo%us is, for
o)vious reason, on e7port and import trade handling and the development of
entrepreneurship and patroni"ation of private se%tors.
06/.6A Fr!t pr:&te !e+tor #&)7 to ope) e=+h&)<e ho"!e ) UK
#n order to ensure delivery of smooth and most relia)le remittan%e servi%es to N!Bs
living and 6or2ing in U&, 07port #mport Ban2 of Bangladesh 3imited B07im Ban2C has
started operation of its 6holly o6ned su)sidiary ,01# 07%hange 'ompany BU&C 3td4.
on D0th June 200; in 3ondon, United &ingdom, one of the oldest destinations for the
e7patriate Bangladeshis. #t is the first e7%hange house o6ned )y a Bangladeshi private
)an2.
Hith the opening of 01# 07%hange the Bangladeshi e7patriates 6ill no6 )e a)le to
send remittan%es to their family mem)ers )a%2 home 6ithin shortest possi)le time
through online transfer to all the )ran%hes of 01# Ban2. 01# 07%hange 'ompany
BU&C 3td is lo%ated at the Universal @ouse of Hent6orth (treet 3ondon 6hi%h is a very
%onvenient lo%ation for the Bangladeshi %ommunity and )usiness houses. Unli2e any
other e7%hange %ompany operating in U&, as 01# 07%hange is %ompletely o6ned and
supervised )y 01# Ban2 under the approval of Bangladesh Ban2 and U& regulators, it
is e7pe%ted to )e the most relia)le and trusted 07%hange @ouse for the N!Bs.
06/.62 S?IFT
01# BAN& 3imited is one of the first fe6 Bangladeshi Ban2s 6ho have )e%ome
mem)er of (H#./ B(o%iety for Horld6ide #nter$)an2 .inan%ial /ele%ommuni%ationC in
1;;;. (H#./ is mem)ers o6ned %o$operative, 6hi%h provides a fast and a%%urate
%ommuni%ation net6or2 for finan%ial transa%tions su%h as 3etters of 'redit, .und
transfer et%.
Ban2 #dentified 'ode BB#'C+ 01B&BDD@
06/.6/- Gr&$ee) Pho)e5 B'' Depo!t
'onsumers %an deposit their /elephone )ill of ?rameen Phone in all the )ran%hes
e7%ept oti*heel.
06/.6// E'e+tr+t5 B'' Depo!t
01# Ban2 ta2es a pilot pro*e%t in ?a"ipur to pay %ustomers ele%tri%ity )ills )y using
their a%%ount num)er through mo)ile. Palli Buddut somity of ?a"ipur %an deposit their
ele%tri%ity )ill to ?a"ipur )ran%h.
06/.6/0 ATM Booth
He have already floated tender in the national dailies to setup a net6or2 of :0 A/s
and D00 P=( ma%hines. /he *o) of A/ interfa%ing 6ith the 'ore Ban2ing (oft6are is
going on. He hope that, )y the end of this year, at least 10 A/s 6ill %ome under our
o6n A/ net6or2.
CHAPTER THREE
Str&te<e! & Pro+e%"re! o( F")%! Co''e+to) o( EXIM B&)7
?enerally, )an2ing se%tors are esta)lished to fulfill the need of human transa%tions
a%tivities. .rom this, period people %onsider )an2ing se%tor as a %entral of their all
2inds of )usiness a%tivities. Ban2 %olle%ts deposits from the %ustomers provide %apital
among their %lients and performs various e%onomi%al a%tivities on the )ehalf of their
%ustomer. Ban2 need huge amount of money to perform this a%tivities effe%tively as
6ell as to )ear its o6n e7penses. Ban2 generally earns this money from various
sour%es a%%ording to follo6 their o6n strategies and pro%edures. /he sour%es of a )an2
to earn funds are giving )elo6+
A )an2 generally generate funds from the follo6ing sour%es
aC Deposits
)C 3o%al !emittan%e
%C 'olle%tion 'harge for lo%al 'he5ues
dC De)it<'redit 'ard
eC .oreign !emittan%e
fC .oreign 07%hange B07port - #mportC
gC (ale of (e%urities
hC oney 07%hange
iC =pening 3<'
*C (afe %ustody of valua)les
2C !ent of Booth
lC =thers )ills pay a%tivities
mC !epresentative of %ustomers
nC is%ellaneous
(hort %on%eption of these sour%es are des%ri)ed )elo6
a) Depo!t!
#t is the main sour%es of generating funds of a )an2. /hrough various types of deposits
)an2>s %olle%t money from it>s %ustomers and use this %apital to )uild up funds.
#9 Lo+&' Re$tt&)+eD Tr&)!(er o( (")%!
Ban2 also earns money from the lo%al remittan%e in the form of D.D, /./, Pay order and
=B' et%. Ban2 transfers their %lient>s money from here and there of the %ountry and in
against for it )an2 earns some %ommission for this.
+9 Co''e+to) Ch&r<e (or 'o+&' Che*"e!
By performing %learing a%tivities through the dire%t supervision of Bangladesh Ban2
Bsome6here (onali Ban2C )an2>s %an also generate their funds. #n this pro%ess )an2
%olle%ts %he5ues from their parties and endorse their %he5ues, D.D, P<=, Harrant Bond
et%.
%9 De#tDCre%t C&r%
No6 day>s most of the peoples use de)it<%redit %ard instead of %arrying money. (o,
de)it <%redit %ard is another sour%e of generating fund of )an2.
e9 Fore<) Re$tt&)+e
0very year Bangladesh earns huge amount of money through foreign remittan%e. /he
peoples of Bangladesh 6ho 6or2s out side of Bangladesh send this money )y various
media su%h as Hestern Union, oney gram, 1press oney, !yad.
(9 Fore<) E=+h&)<e 8E=port & I$port9
No6 day>s )an2 earns use amount of money from foreign e7%hange. #n the age of
glo)ali"ation, every %ountry e7port their surplus items of produ%ts to another %ountry
and import defi%its items of produ%ts from another %ountry.
<9 S&'e o( Se+"rte!
(ale of se%urities li2e sto%2s, shares and )onds are another sour%es of )an2ing in%ome.
/o sale it>s shares in sto%2 mar2et at first )an2 must )e enlisted in the sto%2 e7%hange
mar2et and perform the ne%essary pro%edures a%%ording the la6. /hrough this sour%e
)an2 %an earns huge amount of %apital from the share o6ner<holder and they are
treated as the share o6ner of this )an2.
h9 Mo)e5 E=+h&)<e
(ome )an2 e7%hange foreign money and instead of it they earns %ommission. /hey
%hange the foreign money a%%ording to the B' (elling rate.
9 Ope))< LDC
Ban2 earns money from the opening of foreign and lo%al 3<' a%%ount. 3<' is essential
for e7port and import of %ommodity from one %ountry to another %ountry and also one
pla%e to another pla%e in %ountry.
B9 S&(e +"!to%5 o( :&'"&#'e!
ost of the )an2s prote%t the valua)les and pre%ious do%uments, *e6elries, ornaments
of the %ustomers in their lo%2er in against of the money.
k) I!!"&)+e o( +he*"e #oo7
(ome of the )an2s %harge money to its %ustomers for the issuan%e of %he5ue)oo2.
Be%ause %he5ue)oo2 is element of the %ustomer for 6ithdra6 their saving money from
the saving deposits.
l) Re)t o( Booth
No6 day>s most of the )an2s offers %redit<de)it %ard to its %ustomers and the holder of
this %ard %an 6ithdra6 their ne%essary amount of money from the )ooth of the )an2.
.or the %onvenien%e of the %ustomer>s )an2 esta)lish )ooth every important point of
the %ity and for this, )an2 %harges a %ertain per%entage of money from the %ustomer>s
a%%ount at every 6ithdra6n. (ometimes a )an2 ma2es an agreement 6ith other )an2
to give permission to use their )ooth %enter in against of %harges.
m) Other! #''! p&5 &+t:te!
#n re%ent times )an2 provides various )ills pay a%tivities Bele%tri% )ills, telephone -
mo)ile )ills, gas )ills et%C for the %onvenien%e of its %ustomers.
n) Repre!e)t&t:e o( +"!to$er!
Ban2 performs various a%tivities on the )ehalf of its %ustomers in against of %harges.
01# )an2 is one of leading private %ommer%ial )an2 of Bangladesh. As a servi%e
organi"ation, EE:er5 %&5 ! the +"!to$erF! %&5G is the main mar2eting prin%iple of
01# )an2. 3i2e other )an2s 01# )an2 al6ays try to serve their %ustomers as their
level )est. Besides, as an #slami% )an2 it is al6ays try to elevate the attitude of #slami%
value and )elief to the %lients. All of the offi%ers and e7e%utives of 01# )an2 have
dedi%ated themselves to serve the %ustomers. 01# Ban2 &hulna )ran%h has ta2en
designed su%%essful strategies and pro%edures to %olle%t funds from the %ustomers to
perform its )an2ing a%tivities s6iftly. /he strategies and pro%edures of funds %olle%tion
of 01# Ban2 are giving )elo6
@6/ Str&te<e! o( F")%! Co''e+to) o( EXIM B&)7
01# Ban2 also ta2es some spe%ifi% strategies to generate their funds. /he main aim of
these strategies is to esta)lish po6erful )rand image in mar2et. As an #slami% )ased
01# Ban2 operates its )an2ing a%tivities a%%ording to the (haria and %arry the flag of
#slami% values and ideology in modern )an2ing system. /hey )elieve in %ustomer
satisfa%tion through fastest )an2ing a%tivities. #n their strategies 01# Ban2, in%lude
some '(! a%tivities. As a part of the so%iety, it is the duty of 01# Ban2 to serve the
people. (o 01# Ban2 perform these '(! a%tivities for humanism rather than
%ommer%ialism. By performing their '(! a%tivities, 01# Ban2 %reates distin%t position
in peoples Bpotential %ustomersC minds. And %ustomers are over6helmed through their
a%tivities and %reates a desire in their minds ma2e relationship 6ith 01# Ban2. By
performing these strategies 01# Ban2 promote their )an2 image in the mar2et and
%olle%ts funds through )oth dire%t and indire%t pro%esses. /he spe%ifi% strategies are
listing )elo6+
1. Attra%tive (%hemes and Deposits
2. ar2et (egmentation
D. 0asy 3oan .a%ility
E. #slami% Aalue
:. Hords of mouth %ommuni%ation
9. 'ustomer 'are
F. #ntrodu%ing .a%ilities
G. (pe%ial poli%y to manage un%ooperative %ustomer
;. (o%ial A%tivities
/6 Attr&+t:e S+he$e! &)% Depo!t!
01# Ban2 offer attra%tive s%hemes and deposits in mar2et. 01# Ban2 fully follo6
(haria )ased Ban2ing poli%y and provide highest profit rate in against off per deposit.
Besides 01# Ban2, provide online )an2ing fa%ilities for its %ustomers. 01# Ban2 also
offer @a** s%heme fa%ilities for pious uslims.
06 M&r7et Se<$e)t&to)
01# )an2 has segmented their mar2et )ased on the %lient>s in%ome level, lifestyle,
and mode of )usiness and prefers those %lients 6ho have a positive reputation in
mar2et.
@6 E&!5 Lo&) F&+'t5
/he loan<investment pro%ess of 01# )an2 is very simple. ura)aha, Bai ua""al,
#"ara Bil Baia, Ha"irat Bil Ha2ala, Ouard are the mode of the investment. Among of
them Bai ua""al B''@C and #"ara Bill Baia B@P$ @eir Pur%haseC are very popular to the
%lients. Normally 01# )an2 ta2es three$four days to issue the investment.
>6 I!'&$+ 3&'"e
As an #slami% )an2, it is the responsi)ility of 01# )an2 to raise #slami% value, )elief
and fulfill the %ustomer>s e7pe%tation. /he Board of dire%tors has formed a (haria
(upervisory Board for the )an2. /heir duty is to monitor all the Ban2>s transa%tional
pro%edures, - assuring it>s (haria %omplian%y. /his Board %onsists of the follo6ing
mem)ers headed )y its 'hairman. /he offi%ers and e7e%utives of the )an2 motivated
the valued %ustomers )y %ounseling and persuasion in light 6ith the spirit of #slam
espe%ially for the non$uslim %ustomers.
16 ?or%! o( $o"th +o$$")+&to)
As an #slami% )an2, 01# )an2 has positive nation6ide reputation. #t is not only a )an2
)ut also it is the relia)le trusty partner of %ustomers. Naturally, most of the %ustomers
of 01# )an2 in &hulna )ran%h have %ome into the )an2 through their e7isten%e
%ustomers.
.6 C"!to$er C&re
01# )an2 has al6ays )eliefs that ,(erve 'ustomer>s .irst4. /he inanimate
environment of &hulna )ran%h is very %harming and 6ell de%orated. Besides the
offi%ers and e7e%utives of this )ran%h are very mu%h %ooperative. /he al6ays try to
serve the %ustomers as soon as possi)le and they treat the %ustomers as their family
mem)ers at their first introdu%e. As a result, %ustomers are over6helmed )y their
)ehavior and in%rease their transa%tion in this )an2.
C6 I)tro%"+)< F&+'te!
01# )an2 has provided a%%ounts introdu%ing fa%ilities to its %lients to avoid their
va%illation. #n other )an2s %ustomers fa%e diffi%ulties to arrange an introdu%er for
introdu%ing their a%%ount. /o remove their va%illation 01# )an2 has introdu%ed the
ne6 a%%ounts )y the employees or their e7isting a%%ount holders.
A6 Spe+&' po'+5 to $&)&<e ")+ooper&t:e +"!to$er!
0very person is uni5ue. As li2e every %ustomer does not )ear same %hara%teristi%s,
same nature. Aarious types of %ustomers e7ist in the so%iety su%h as 0go%entri% 0dger,
Bad$mouth Betty, @ysteri%al @arold, Di%tatorial Di%2 and .reeloading .reda. /hey have
different %hara%teristi%s, different nature and different manner. (o it is dou)tless to say
that as a servi%e organi"ation 01# Ban2 has fa%ed various pro)lems to serve their
%ustomers and fulfill %ustomers e7pe%tation. But as a servi%e organi"ation 01# Ban2
al6ays try to provide 5ualified servi%e to their %ustomers and satisfy their e7pe%tation.
26 So+&' A+t:te!
As a part of the so%iety, 01# Ban2 is hypothe%ated to the so%iety. Besides it>s )an2ing
a%tivities it performs various so%ial 6elfare a%tivities for the )etterment of the so%iety.
(o%ial A%tivities of 01# Ban2 is not only performed )y &hulna )ran%h )ut also it is
performed )y %entrally. /he so%ial a%tivities of 01# Ban2 are %hronologi%ally giving
)elo6+
&9 S+ho'&r!hp pro<r&$ (or #r''&)t poor !t"%e)t
/his is a stipend pa%2age for poor and meritorious students that ta2e %are of the
)enefi%iaries throughout their student life. 01# Ban2 (%holarship Program, laun%hed
in 2009 6ith 91 poor and meritorious students sele%ted from different reputed
edu%ational institutions of &hulna 'ity in%luding &hulna Pilla (%hool, ?ovt. 'oronation
?irl>s @igh (%hool, ?ovt. onnu*an ?irl>s @igh (%hool, &hulna University, &U0/, &hulna
edi%al 'ollege, ?ovt. Bro*olal University 'ollege et% enrolled as many as 1:00
students from around 1:0 reputed edu%ational institutions a%ross the %ountry )y D1
De%em)er 200;. /hey are enrolled in the this programmed to )e ta2en %are of for their
6hole edu%ational life su)*e%t to their fulfillment of the eligi)ility %riteria that in%lude
satisfa%tory a%ademi% results, non$involvement in student politi%s, finan%ial insolven%y
et%. (o far, /2. 1;.D million has )een dis)ursed as s%holarship under this programmed.
#9 E%"+&to) Pro$oto) S+he$e8I)tere!t (ree 'o&)9
Under 0du%ation Promotion (%heme, quard or interest$free loan is provided for poor
and meritorious students to help them )ear monthly edu%ational e7penditure in%luding
a%ademi% e7penses, food, a%%ommodation, et%. /he quard is dis)ursed to the sele%ted
students in monthly installments till their a%%omplishing the master degree. Under this
programmed the students are re5uired to repay the amount Bonly the prin%ipal
amountC in long$term monthly installments after they have *oined a %onfirmed *o)
a%%omplishing their edu%ation properly. By D1 De%em)er 200G, /2. 1;.F million 6as
san%tioned to ta2e %are of around 1DG poor and meritorious students from a num)er of
reputed edu%ational institutions li2e Dha2a University, 'hittagong University, &hulna
University, Dha2a edi%al 'ollege, &hulna edi%al 'ollege, BU0/, &U0/, Bangladesh
Agri%ultural University, (hah*alal University of (%ien%e and /e%hnology et%.
+9 He'p)< peop'e &((e+te% #5 )&t"r&' +&'&$te!
Another vital area 6e are dealing 6ith as part of our '(! a%tivities is helping people
survive natural %alamities. Under this 6elfare programmed, 01# Ban2 provides relief
in %ash and 2ind for flood, fire or %y%lone vi%tims and %old$stri%2en people. After the
period of ,(ydor4 - ,Aila4 01# Ban2 has provided e7treme help to the affe%ted
vi%tims. /he aim of these '(! a%tivities is to help the target group over%ome their
provisional handi%ap and %ontri)ute to the so%io$e%onomi% gro6th as soon as possi)le.
%9 He'p)< peop'e ) !'"$ &re&!
Besides natural %alamities, fire )rea2s out sometimes in slum areas that guts the
shanties and renders the affe%ted people very helpless. #n that situation, 6e help the
vi%tims fight against the hard days and return to normal life.
e9 Do)&to) to e%"+&to)&' )!tt"to)! to !et"p +o$p"ter '&#
He have donated to Dha2a University and 'hittagong University to set up t6o
%omputer la)s that help the students of those universities a%5uire #'/ 2no6ledge. /his
6ill %ertainly help the students to )e ready to ta2e the %hallenges of this information
so%iety.
(9 He&'th+&re !er:+e
A : storied )uilding having 10,000 sft floor spa%e at GE0 &a"i Para, !o2eya (arani,
irpur, Dha2a$1219 has )een hired to set up 07im Ban2 @ospital. /he de%oration of
this hospital is going on in full s6ing. A do%tor has )een re%ruited 6ho is 6or2ing as a
resident dire%tor of the hospital. =ther do%tors and hospital staffs have )een in the
pro%ess of sele%tion through re%ruitment noti%e already pu)lished in the national
dailies. /hey 6ill )e appointed as soon as the de%oration of the hospital is %omplete.
@60 Pro+e%"re!
/hese are the main sour%es of funds %olle%tion. /hrough these sour%es not only 01#
Ban2 )ut also all the %ommer%ial )an2s are %olle%ted funds )y performing their daily
a%tivities. /he sour%es of funds %olle%tion in )oard strategies and pro%edures are given
)elo6
a. Deposits
). 3o%al !emittan%e</ransfer of funds
%. 'harge for 'olle%tion of lo%al 'he5ues
d. .oreign !emittan%e
e. .oreign 07%hange B07port - #mportC
f. 01# #slami% Aisa 'ard
g. is%ellaneous
(hort notes of these earning sour%es are giving )elo6I
&6 Depo!t!
.rom the January of 200; 01# Ban2 has )een introdu%ed a modern a%%ounts opening
)oo2s in all of its )ran%hes. Hith the help of this )oo2 all 2inds of deposit s%hemes of
01# Ban2 %an )e open. /hrough this )oo2 %lients %an see the profit rate, tenure,
amount of money after the tenure and ne%essary do%uments of opening the a%%ount at
a glan%e. #t is an eight pages fully 0nglish version )oo2 in%luding /P and &8'. #n %ase
of Al Hadiah 'D, (/D, (D %ustomers have to fulfill some e7tra do%uments su%h as
asses %ard, 'he5ue re5uisition B?B$1DC, A%2no6ledgment< 'onfidential B?B$1;C,
#ntrodu%er A%2no6ledgement B?B$20C, A%%ount =nline .orm and (ole Proprietorship
De%laration .orm B?B$1:C Bif neededC. After fulfilling all ne%essary information )y the
%ustomers the )an2 manager finally %he%2 out the information provided )y the %lients
and if it is seem to transparent and satisfy to him then he gives the permission to open
this a%%ount.
ainly there are three types of deposits offered )y a )an2 su%h as %urrent deposits,
time deposits and s%heme deposits. 01# Ban2 also offers these 2inds of deposits to its
%ustomers and more over they propose lu%rative provisional profits rate to its
%ustomers. Name of the deposits, %lassifi%ation of deposits and provisional profits rate
of the deposits are giving )elo6+
C"rre)t Depo!t!
Depo!t! N&$e Pro:!o)&' Pro(t! R&te
Al Hadiah 'urrent Deposit 0L
udara)a (avings Deposit EL
udara)a (hort /erm Deposit Be'o; /-8Te)9 Crore /- 8Te)9 Crore &
&#o:e
DL :L
8T&#'e 19
T$e Depo!t!
Depo!t R&te Pro:!o)&' Pro(t R&te
M"%&r&#& Ter$ Depo!t Re+ept
1 onth :L
Belo6 1 %rore A)ove 1 %rore )ut
)elo6 : %rore
: %rore
and
A)ove
D onths G.00L G.:0L ;.00L
9 onths G.00L G.:0L ;.00L
1$D 8ears G.00L G.:0L ;.00L
8T&#'e .9
S+he$e Depo!t!
Depo!t! N&$e Te)"re Pro:!o)&' Pro(t! R&te
udara)a onthly (avings (%heme 0: 8ears ;.1:L
0G 8ears ;.D0L
10 8ears ;.E0L
12 8ears ;.:0L
udara)a onthly #n%ome (%heme 0D 8ears (BN;.:0L
udara)a (uper (avings (%heme Dou)le MG years
udara)a ultiplus (avings (%heme /riple M12 years
8T&#'e C9
.rom these s%hemes, 01# Ban2 Bangladesh 3td. B&hulna Bran%hC has deposited huge
amount of %apital from the deposits. /he %harts of the amount of deposits presents
)elo6. oreover 01# Ban2 B&hulna Bran%hC has re%eived some mis%ellaneous servi%e
%harges in %ase of various types of a%%ounts. /he list of the servi%e %harges presents
)elo6+
T5pe! o( A++o")t! N&t"re o( Ch&r<e Ch&r<e 8T769
Al$Hadiah 'D A<' (ervi%e 'harge :00<$half early
#n%idental 'harge $
(tatement 'harge 200<$
A<' 'losing 'harge 200<$
inimum !e5uired Balan%e D000<$
udara)a (hort /erm Deposit (ervi%e 'harge :00<$half early
#n%idental 'harge $
(tatement 'harge 200<$
A<' 'losing 'harge 200<$
inimum !e5uired Balan%e :000<$
udara)a (avings A%%ount (ervi%e 'harge 200<$
#n%idental 'harge 200<$
(tatement 'harge 100<$
A<' 'losing 'harge 200<$
inimum !e5uired Balan%e 1000<$
8T&#'e A9
#6 Lo+&' Re$tt&)+eDTr&)!(er o( (")%!
3o%al remittan%e in form of D.D, /./, P<=, =B' et% is also the mentiona)le sour%es of
01# Ban2 to generate funds. 01# Ban2 issues D.D, /./, P<=, and =B' of their
%ustomer>s instru%tions and re%eives %ommission for it. /he %ommission of D.D, /./,
P<=, and =B' is )ased on the issue amounts.
Co$$!!o) o( D6DDT6T
Ite$! Fee! 8T769
'ommission
inimum 'ommission
0.1:L
2:
/ele7 B/./C :0
Postage 2:
DD 'an%el 'harge :0
Aat 1:L of 'ommission
8T&#'e 29
Co$$!!o) o( Po!t Or%er
A$o")t 8T769 Fee! 8T769
1$10,000 2:
10,001$1,00,000 90
1,00,000$A)ove 120
Aat 1:L of 'ommission
Post =rder %an%el 'harge :0
8T&#'e /-9
Co$$!!o) o( OBC
A$o")t 8T769 Fee! 8T769
1$2:,000
inimum
0.20L
2:<$
2:,001$1,00,000
inimum
0.20L
F:<$
1,00,001$:,00,000
inimum
0.10L
200<$
:,00,001$A)ove
inimum
a7imum
0.0:L
900<$
D000<$
Postal 'harge 2:
8T&#'e //9
c. Ch&r<e (or Co''e+to) o( 'o+&' Che*"e!
'olle%tion 'harge for lo%al 'he5ues is also one the sour%es of 01# Ban2 to )uild up
their funds. By the dire%t supervision of Bangladesh Ban2 01# Ban2, endorse the
'he5ues, D.D, P<=, Harrant et% on )ehalf of their %ustomers.
T5pe! o( Ser:+e! N&t"re o( Ch&r<e Ch&r<e 8I) T769
'olle%tion 'harge for lo%al Hhere there is 'learing .ree
'he5ues @ouse
Hhere there is no
'learing @ouse
At a%tual inimum /2. 2:<$
'he5ue returned unpaid
from 'learing @ouse
/2. :0<$ BflatC per instan%e
from the a%%ount of dra6ee
Boun%ed 'he5ue dra6n
on our )ran%hes B'ash,
'learing or /ransferC
/2. :0<$ BflatC per instan%e
from dra6er of %he5ue.
'olle%tion of outstation
%he5ues<)ills
B'lean<do%umentaryC
'ommission Up to /2. 2:,000<$ M /2.
0.20L, in. /2. 2:<$
/2. 2:,001<$ to 1.00<$ 3a%
M 0.20L in. /2. F:<$
.rom /2. 1,00,001<$ to
:,00,000<$ M 0.10L in.
/2. 200<$
=ver /2. :,00,000<$ M /2.
0.0:L in. /2. 900<$, a7.
/2. D000<$
Postal 'harge At a%tual inimum /2. 2:<$
/elegram 'harge At a%tual inimum /2. :0<$
/ele7 'harge /2. E0<$ minute, inimum
/2. :0<$
/elephone 'harge /2. E0<$ minute, inimum
/2. :0<$
#nland !emittan%e for
issuan%e of DD<//</.
'ommission M/2. 0.1:L in. /2.2:<$
/elephone 'harge for //
issuan%e
/2. :0<$
/ele7< .a7 'harge for // /2. :0<$ minute
P<= #ssuan%e 'ommission Up to /2. 10,000<$ /2. 2:<$
.rom /2. 10,001<$ to /2.
1,00,000<$/2. 90<$
/2. 1,00,001<$- a)ove /2.
120<$
'harge for issuan%e of dupli%ate instruments /2. 100<$
'harge for %an%ellation of
instrument
DD</<// /2. :0<$
P=<(D! /2. :0<$
Bills - #nstrument
B(u)*e%t to @.= ApprovalC
'ommission<Profit Profit to )e reali"ed at the
e7isten%e lending rate of
the Ban2 su)*e%t to
minimum of /2. :0<$
Postal 'harge At a%tual inimum /2. E0<$
/ele7 'harge /2. E0<$ per minuteI in.
/2. :0<$
/elephone 'harge At a%tual inimum /2. D0<$
(tanding #nstru%tion 'ommission /2.:0<$ for %omplian%e of
ea%h instru%tion
8T&#'e /09
%6 Fore<) Re$tt&)+e
01# Ban2 earns huge amount of %apitals from the se%tor of foreign remittan%e. 3i2e
other )an2s, 01# Ban2 has %ontra%ted 6ith the foreign money transfer agen%y
,Hestern Union4 and earned servi%e %harges of per transa%tion M 10L. Besides 01#
Ban2 earns foreign remittan%e from the follo6ing sour%es$
S'6 No T5pe! o( Ser:+e! R&te o( Co$$!!o) D Ch&r<e!
1 Pur%hase of foreign Ban2 I Drafts
dra6n a)road
/2.Q0.2: per U( Dollar /2.Q0.2:
per 0uro /2.Q0.E0 per ?BP all
other %urren%ies at par 6ith U(
Dollar
2 Payment of any foreign /a2a Draft on
our Ban2
No %harges
D Payment of any foreign /./. in /a2a at
our %ounter.
No %harges
8T&#'e /@9
e. Fore<) E=+h&)<e 8E=port & I$portC
.oreign 07%hange B07port - #mportC is the heart of any %ountry>s e%onomi%
development and it is the great sour%es of any )an2 to ma2e their %apital healthy. /he
e7porter or importer 6ho ta2es initiate to enter in foreign e7%hange must open a 3<'
a%%ount and needs to perform some other offi%ial a%tivities. /he list of servi%e %harges
of .oreign 07%hange is given )elo6+
S+he%"'e o( Ch&r<e! re'&t)< to Fore<) E=+h&)<e Tr&)!&+to)6 8E=+'"!:e o(
3AT9
S'6 T5pe! o( Ser:+e! Pero% D R&te! R&te o( Co$$!!o) D
Ch&r<e!
1 3<' opening %ommission under
%ash B6ith 100L %ash margin
reali"ed at the time of opening
3<'C
1st Ouarter M 0.2:L
.or ea%h
su)se5uent 5uarter
or part thereof
M 0.1:L
inimum /2. 1000<$
2 3<' opening %ommission under
%ash B)elo6 100L %ash marginC
1st Ouarter M 0.:0L
.or ea%h
su)se5uent 5uarter
or part thereof
M 0.D0L
inimum /2. 1000<$
@ 3<' opening %ommission under
#D<3oan<'redit<Barter et%.
1st Ouarter M 0.90L
.or ea%h
su)se5uent 5uarter
or part thereof
M 0.D0L
inimum /2.1000<$
E 3<' opening %ommission or
Ba%2$to$)a%2 3<' on a%%ount of
07port oriented garments,
/e7tile #ndustries. et%.
1st Ouarter M 0.:0L
.or ea%h
su)se5uent 5uarter
or part thereof
M 0.D0L
inimum /2. 1000<$
: 3<' opening %ommission for
other deferred payment 3<'.
1st Ouarter M 0.90L
.or ea%h
su)se5uent 5uarter
or part thereof
M 0.E0L
inimum /2. 1000L
9 #f 3<' are transmitted )y
ail<'ourier B/his shall %over
%ost of registered mail of 3<' to
advising Ban2 and %opy to
reim)ursing Ban2C
#ndia By mail /2. QD00<$ )y
%ourier /2. Q2,000<$
=ther (AA!'
%ountries
By mail /2. QD00<$ )y
%ourier /2. Q2,000<$
All other %ountries By mail /2. QD00<$ )y
%ourier /2. Q2,000<$
F #f 3<'Ks are transmitted )y full
/ele7<(H#./
/2. D,000<$ .lat
G #f 3<'Ks are transmitted in short
and non$operative /ele7<(H#./
/2.Q1,000<$
; Amendment of 3<'s )y ailBthis
shall %over %ost of !egistered
ail of amendments of the
advising and reim)ursing Ban2C
/2. QF:0<$ .lat
10 #f Amendment of 3<' is
transmitted )y /ele7<(H#./
/2. Q1000<$ .lat
11 #f amendment in%ludes in%rease
of value or e7tension of time,
then 3<' opening %ommission
for additional time and value
should )e re%overed as
pres%ri)ed at the opening stage.
As per 3<' opening
%ommission rate. B(l no.
; or 10, 6hi%h is
appli%a)le.C
12 #f Amendment intended to avoid
opening of fresh 3<' shall )e
As per 3<' opening
%ommission<%harge rate.
re%overed. As per 3<' opening
%ommission<%harge rate.
For o"r &rr&)<)< +o)(r$&to) (ro$ Thr% B&)7
1D .or sight 3<'s on appli%antKs
a%%ount
M 2.00L .lat
1E .or sight 3<'s on )enefi%iaryKs
a%%ount %harges to )e re%overed
from the appli%ant.
M 0.2:L as servi%e
%harge
1: .or D.P. 3<'s up to 1G0 days on
appli%antKs A<'.
M D.00L .lat
19 .or D.P. 3<'s over 1G0days M D.:0L .lat
1F .or D.P. 3<'s on )enefi%iaryKs
a%%ount, %harges to )e
re%overed from the appli%ant.
.or D.P. 3<'s on )enefi%iaryKs
a%%ount, %harges to )e
re%overed from the appli%ant.
M0.2:L .lat as servi%e
%harge
1G (ervi%e %harges and ..'. A<'
a%tivity fee for all types of 3<'
B.''C
/2. 1,000<$
1; (ervi%e 'harges for amendment
all types of 3<'s
/2. F:0<$
20 'an%ellation %harges for e7pired
or unutili"ed 3<'.
AC By 'a)le< tele7<(6ift Nil
BC By Air ail Nil
21 A%%eptan%e %ommission under
deferred payment 3<'s.
1st Ouarter M 0.E0L
.or ea%h
su)se5uent 5uarter
or part thereof
M 0.20L
inimum /&. 1000<$
22 Dedu%tion on dis%repan%y fee
from #mport )ills.
Bills for
R 1 to R 10,000<$
%harges R2:<$
R 10,001<$ to R
100,000<$ %harges R:0<$
a)ove R 100,000<$
%harges R100<$
2D 2D 'olle%tion of 'redit !eport on
the )enefi%iary of the 3<' )y
/ele7<s6ift B=ther than D-BC.
U(R:0.00 plus (ervi%e
%harge for /2. Q:00<$
E=port
2E Negotiation %ommission on
e7port )ill in .oreign 'urren%y
@andling %harge /2.
1,000<$
B6here do%uments are
pur%hased at a dis%ountC
2: Negotiation %ommission e7port
)ill in 3o%al 'urren%y B6here
dis%ounting is not allo6ed
parti%ularly for )ills under
)arter<(/AC
M0.D0L flat minimum
/2. Q1,000<$
29 Advising of foreign Ban2 3<'
B07port 3<'C to the lo%al
)enefi%iary.
=ur 'lients /2. Q 1,000<$
Non$%lients /2. Q1,000<$
Amendment to a)ove =ur 'lients /2. Q 1,000<$
Non$%lients /2. Q1,000<$
/ransfer of 07port 3<' =ur 'lients /2. Q F:0<$
Non$%lients /2. Q1,000<$
Pre$advising of 07port 3<' =ur 'lients /2. Q :00<$
Non$%lients /2. Q F:0<$
Adding of 'onfirmation
B(ight<DPC
M0.2:L per 5uarter
inimum U(R2:.00
#ssuan%e of P!' /2. :00<$ per 'ertifi%ate
2F .oreign Ban2Ks ?uarantee
'ommission against Dis%repant
Bills
At a%tual
2G Dedu%tion of dis%repan%y fee
from #mport )ills BB/BC.
Up to U(D :0,000<$
'harges R :0<$
A)ove U(D :0,000<$
'harges R 100<$
2; 'olle%ting Ban2Ks %harges
a)road.
At a%tual
D0 Pro%essing of do%uments under
%olle%tion of foreign %urren%y
B6here )uying - selling
allo6ed.C
/2. Q1,000<$ .lat
D1 Pro%essing of do%uments under
%olle%tion of foreign %urren%y
B6here )uying - selling is not
allo6ed.C
Nil
D2 Any other %harges not
mentioned a)ove
At A%tual inimum /2.
1,000<$
DD ailing of 07port do%uments By 'ourier /2. 2:00<$
By ail /2. F:0<$
Fore<) B&)7 G"&r&)tee
DE Advising of ?uarantees to the
)enefi%iary in original 6ithout
=ur 'lients /2. Q 1,000<$
Non$%lients /2. Q1,:00<$
any engagement on out part.
D: Advising of ?uarantees in
original )y adding %onfirmation.
M0.:0L per 5uarter or
part thereof
inimum /2.Q1,:00<$
orU(R2:.00
D9 Advising of ?uarantee in our
o6n format or on the format
supplied )y the opening Ban2
6ith our full engagement.
M0.:0L per 5uarter or
part thereof
inimum /2.Q1,:00<$ or
U(R2:.00
DF #ndemnity for shipping
?uarantee in a)sen%e of original
do%uments Bprovided 100L
value of do%ument plus :L as
07%hange .lu%tuation ris2<..
Ban2 %harges is deposited )y
the %lient.C
/2. Q1,:00<$
Co''e+to)
DG .or 'olle%tion of %lean item
B..'. draft<%he5ue et%.C
=ur 'lients$/2.100<$ Non
%lients /2.QD00< plus
Postage
D; .or in6ard do%umentary Bills for
%olle%tion B6ithout 3<'C
M 0.2:L minimum
/2.Q:00<$
E0 .or in6ard do%umentary Bills for
%olle%tion under ?rant B6ithout
3<'C
M 0.2:L minimum
/2.QF:0<$
E1 @andling %harges for %olle%tion
of foreign of .oreign %urren%y
drafts from a)road
At a%tual plus /2. QD00<$
to )e dedu%ted from the
%olle%ted pro%eeds.
P&!!port E)%or!e$e)t
E2 #ssuan%e of /.' 0ndorsement
in passport
!uling B' selling rate
plus 1L %ommission and
/2.QD00<$ as handling
%harge per passport.
ED #ssuan%e of 'ash B..'.C
0ndorsement in passport
!uling B' selling rate
plus /2.QD00<$ as
handling %harge per
passport.
EE /ransa%tion )y Nominee<
A%%ount holder in ..'. a%%ounts
No %harges
E: #ssuan%e of ..'. Drafts on
foreign %orrespondents
/2.Q:00<$ per
instrument
E9 !emittan%e )y // B..'.C through /2.Q1,000<$ per //
foreign %orrespondents in%luding tele7 %harges
EF 'an%ellation of Drafts in foreign
'urren%y
/2. Q:00<$ .lat
EG =pening of (tudent .ile in ..'. /2.QD,000<$ per .ile
Other!
E; @andling of do%uments for P#
B3#C
M0.1:L on the landed
%ost su)*e%t to minimum
/2. 1,000<$
:0 Appli%ation< %onfirmation of /est
BAppli%a)le for other )an2s
onlyC
/2. Q:00<$ flat per ne6
test or %onfirmation. Bour
Ban2 reserves the right
to refuse su%h servi%e to
other Ban2sC
:1 'redit #nformation on 3o%al
.irm<'ompanies
U(R:0.00 .lat per
instan%e
I)'&)% LDC
:2 =pening 'ommission 1st Ouarter M0.:0L
.or
su)se5uent
5uarters or part
thereof
M0.D0L minimum /2.
Q1,000<$
:D Advising of #3' /2. Q1,000<$ .lat
:E !eim)ursement of #3' /2. Q1,:00<$ or U(R
1:.00 or 0uro 12.00 .lat
per !eim)ursement
:: Negotiation of lo%al )ill in /a2a Profit !ate of #nvestment
:9 Pro%essing of #nland do%uments
under %olle%tion in ..'. B6here
)uying - selling is not allo6edC
Profit handling %harge
/2.Q1,000<$
:F Pro%essing of #nland do%uments
under %olle%tion in ..'. </&.
B6here )uying - selling is not
allo6edC
@andling %harge /2.
Q1,000<$ flat.
:G 'ash #n%entive appli%ation
pro%essing fees
/2. QD,000<$ per
appli%ation.
:;
Bills of lading < Ban2 ?uarantee
Authenti%ation< Aerifi%ation
fees < 'harges
/2.Q200<$ Per Deal < Unit
8T&#'e />9
(6 EXIM I!'&$+ 3!& C&r%
01# Ban2 has laun%hed Aisa #slami% 'ard, the first (haria $)ased %ard )y any #slami%
)an2 in %ountry. 01# Ban2 Aisa #slami% 'ard offers the lo6est profit rate in the %ard
mar2et. /he %ard having dual %urren%y transa%tion fa%ilities does not have any hidden
%harges 6hile several supplementary %ards are offered along 6ith the main %ard. /he
%ardholders %an pay )ills )y auto de)it instru%tion 6ith their a%%ounts 6ith 01# Ban2.
01# Ban2 has t6o types of #slami% Aisa 'ardI iC ?old 'ard, iiC 'lassi% 'ard. /he
pur%hase limit of ?old 'ard is R G0 and 'lassi% 'ard is R E0. /he fa%ility of 01#
#slami% Aisa 'ard is des%ri)ed )elo6+
Ite$! Go'% C&r% 8T769 C'&!!+ C&r% 8T769
Profits .ree Up to E: days Up to E: days
Profits !ate 1.9L after E: days 1.9L after E: days
'ash !e%eive DL DL
=nline Payment DL a)ove DL a)ove
Booth 'harge D00<$ D00<$
8T&#'e /19
<6 M!+e''&)eo"!
01# Ban2 B&hulna Bran%hC also performs some mis%ellaneous to ma2e their fund
6ealthy. ?enerally 01# Ban2 performs its a%tivities on )ehalf of their %ustomer>s
%onvenien%e as 6ell as to preserve mortgage do%uments and goods in against of
servi%e %harges.
/he servi%e %harges of mis%ellaneous a%tivities are listed )elo6+
N&t"re o( Ser:+e! N&t"re o( Ch&r<e Ch&r<e
'harge for par%els 'ommission /2. 20<$ for 1
st
10 days and
additional /2. 10<$ for every
su)se5uent 10 days or part
thereof.
Borro6er>s ?odo6n under
Ban2>s %ustody
!ent =n )orro6er>s A<'
D= D=
8T&#'e /.9
CHAPTER FOUR
F)%)<! & A)&'5!!
4.1 Findings
Hhile 6or2ing at 01# Ban2, &hulna Bran%h, # have attained to a ne6er 2ind of
e7perien%e. After the %olle%tion and analysis of data, # have some findings. /hese
findings are %ompletely from my personal point of vie6. /hose are given )elo6+
>6/6/ Po!t:e Dre+to)!
i. Hithin one year, 01# Ban2 &hulna Bran%h has done a terrifi% *o). #t has
already a%hieved a high gro6th rate a%%ompanied )y an impressive profit
gro6th rate in 200;. /he num)er of deposits and investments are also
in%reasing rapidly.
ii. 01# Ban2 has an intera%tive %orporate %ulture. /he 6or2ing environment is
very friendly, intera%tive and informal. oreover, there are no hidden )arriers or
)oundaries 6hile %ommuni%ation )et6een the superior and the su)ordinate.
/his %orporate %ulture provides as a great motivation fa%tor to the employees.
iii. 01# Ban2 3imited has already esta)lished a favora)le reputation in the
)an2ing industry of the %ountry. #t is one of the leading private se%tor #slami%
%ommer%ial )an2s in Bangladesh. /he )an2 has already sho6n a tremendous
gro6th in the profits and deposits se%tor.
iv. 01# Ban2 has o6n training #nstitution for its employees, so they do not re5uire
to train them in other training #nstitutions.
>6/60 Ne<&t:e Dre+to)!
i. /o %olle%t more deposits no6 most of the %ommer%ial private )an2s appoint
mar2eting e7e%utives. /hese mar2eting e7e%utives %onvin%e the potentials and
e7isting %ustomers to open a%%ounts in their )an2s and ta2es various types of
loans from the )an2. But 01# Ban2 does not appoint any mar2eting e7e%utive
for intera%ting 6ith the %ustomers. 01# Ban2 uses its o6n offi%ers, employees
to intera%t 6ith their potential %ustomers for )an2ing transa%tion. As a result, it
hampers their daily offi%ial>s a%tivities and %onsumes time to serve the
%ustomers.
ii. /he udara)a onthly (avings (%heme B((C of 01# Ban2 is started from
/2. :00<$ to /2. :0,000<$. As a result, 01# Ban2Ks num)ers of %ustomers are
also very small in %ompared to other )an2s in the mar2et.
iii. 01# Ban2 issue free %he5ue)oo2 to its %ustomers. But some other %ommer%ial
)an2s ta2e %harges to issue %he5ue)oo2 for 6ithdra6ing %ustomers> money. (o
in this se%tor, 01# Ban2 %an not generate any funds.
iv. 01# Ban2 has laun%hed Aisa #slami% 'ard. But the %ardholders fa%e lots of
trou)lous and provides e7tra )ooth %harge for using other )an2s A/ )ooth to
use this %ard.
v. 01# Ban2 has insuffi%ien%ies of Authori"ed Dealer Bran%h in respe%t of the
total foreign e7%hange )usiness. Ban2 has only eight )ran%hes, 6hi%h have AD
li%enses. As a result it total foreign e7%hange )usiness is very small in respe%t
of total mar2et.
vi. He 2no6 01# mean 07port #mport and it is e7port import$oriented )an2. /he
%urren%y rate flu%tuation %reates pro)lems in opening 3<'.
vii. /hey fa%e trou)les 6ith those %lients 6ho have not any 2no6ledge in )an2ing
transa%tions and )an2ing rules.
viii. (ome %lients are not honest enough for the #slami% Ban2ing )usiness. .or
6hi%h )an2 has to fa%e some threats to its dishonest %ustomers.
i7. (ome old %lients )e%ame annoyed 6ith ne6ly introdu%ed (hariah )ased deal
6ise dis)ursement system and putting mar2 up profit 6hen it is posting in
%omputer.
7. (ometimes people of other religions BNon$#slami%C %annot depend and )elieve
#slami% (hariah )ased )an2.
7i. (ome %ustomers try to push mutility note and forge note 6ith )undle of note.
(o it is one of the )ig %hallenge of %ash offi%ers of 01# Ban2 and it is also the
5uestion their image.
7ii. After passing one year>s operation 01# Ban2 &hulna )ran%h does not a%hieve
it>s e7pe%ted profits. #t )ears the sing that some faults, mismanagement are
e7isted in this )ran%h. #t may one of the hinder to a%hieve their profits in near
future.
7iii. 01# Ban2 does not enter in the vast of 6orld of 0$'ommer%e. But to e7ist in
%ompetition 6ith other %ommer%ial )an2s it is ne%essary to %onne%t all the
)ran%hes in ele%troni% 6orld.
>6/6@ Go:er)$e)t I)%((ere)+e
&hulna is the third mega %ity of Bangladesh and traditionally this %ity is very important
for e%onomi% a%tivities. .rom an%ient periods, many fa%tories, mills, and industries has
esta)lished here under government and private proprietorship. But this %ity has lost its
e%onomi%al values for some of the follo6ing reasons. /he reasons are giving )elo6+
3a%2 of proper planning
Undeveloped %ommuni%ation system
3a%2 of modern river port
Unavaila)ility of ele%tri%ity
#nflation - Deflation
Politi%al violen%e
=ppression of lo%al hooligan under politi%al shelter et%
/hese are the main reason of e%onomi%al retreat of this %ity.
>6/6> N&t"r&' %!or%er!
Naturally &hulna is situated southern part of Bangladesh. /he Bay of Bengal and some
others )ig rivers su%h as Posur, !upsha, Aoiru), Bollesshor et% are flo6ing around the
%ity. 'onse5uently, every year it fa%es many natural %alamities su%h as flood, %y%lone,
over rain, 6ater logging et% and it ruins the e%onomi%al stru%ture of the %ity.
>60 A)&'5!!
#f 6e analysis the performan%e of 01# Ban2 of this year then 6e %an easily find out its
su%%ess and failure. #n our analysis part 6e not only analysis 01# Ban2 performan%e
more over 6e find out the internal reason to de%rease the e%onomi% a%tivities in this
region. /he analysis is presented )elo6+
>606/ EXIM B&)7 per(or$&)+e
01# Ban2 offers these types of lu%rative deposits to the mar2et and %olle%ts funds
from the pu)li%>s. Besides, 6ith the help of this %apital they grant loans among the
entrepreneurs and in%rease their funds. Hithin the fe6 days, 01# Ban2 B&hulna
Bran%hC has done startling performan%e and a%hieved %ustomer>s relian%e in their
)an2ing a%tivities. #f 6e o)serve 01# Ban2>s performan%e half$yearly )asis BJanuary
200; to June 200;C - BJuly 200; to De%em)er 200;C then 6e %an o)serve the a%tual
phenomenon of their performan%e.
H&'( Ye&r'5: 4&)"&r5 0--2, 4")e 0--2
Depo!t! 4&) Fe# M&r+h Apr' M&5 4")e
Al Hadiah 'D 2E 2F D1 D: DF E1
(D EE :; G1 ;E 10E 10;
(/D 1D 2F ED :G 9G FF
/D! B1monthC E 9 11 ; ; 9
/D! BDmonthsC EG G: 122 1D; 1E9 1EE
/D! B9monthsC : G 11 1E 1E 1F
/D! B1 yearC 9 11 1: 29 2F D0
(( B: yearsC 2D D2 E0 E: :D :G
(( BG yearsC D : 1: 1F 1G 1G
(( B10 yearsC 1D 1; D: D; E2 :1
(( B12 yearsC D; :0 9E G9 10: 12D
((( : G 10 1: 19 1F
P(( D D : G G G
@AJJ B: 8earsC $ $ $ $ $ 1
#(
$ 1 D E $ $
8T&#'e /C9
#f 6e measure the half$yearly performan%e of 01# Ban2 from the /a)le$1F, then 6e
%an say that performan%e of 01# Ban2 in most of the s%hemes is )etter rather than
some of s%hemes. And the lo%al authority have to 2eep their attention to develop them
at the last of the year.
H&'( Ye&r'5: 4"'5 0--2, De+e$#er 0--2
Depo!t! 4"'5 A"< Sept O+t No: De+
Al Hadiah 'D :E 91 9: F9 GD ;1
(D 1D0 1:F 1F9 1;F 21G 22F
(/D ;0 100 10D 10; 1D0 1EG
/D! B1monthC F : G D E 9
/D! BDmonthsC 1:1 1:E 192 19F 1FG 1GD
/D! B9monthsC 19 1: 1: 1E 1E 1E
/D! B1 yearC 2; D0 2; 2G D1 D9
(( B: yearsC 9E 9; F2 FF G1 ;2
(( BG yearsC 1G 21 2: 2E 2E D:
(( B10 yearsC 9D 9F F0 F; G2 ;F
(( B12 yearsC 1DF 1E: 1:D 19E 1FF 1G9
((( 1F 1G 1G 1G 1; 22
P(( G G 10 11 G ;
@AJJ B: 8earsC $ $ $ $ $ $
#( $ : $ $ $ $
8T&#'e /A9
.rom /a)le$1G, it is easily apparent to us that the performan%e of 01# Ban2 is
improved from the last si7 months. At the end of the year, the performan%e of 01#
Ban2 is optimisti% and 6e %an say that if 01# Ban2 2eeps this performan%e then they
%an pass long 6ay in near future.
/hrough measuring the performan%e of every single deposits from January 200; to
De%em)er 200; 6ith graphi%s %harts are %ited )elo6+
/6 A' ?&%&h CD ADC
8F<"re >9
A%tually, this a%%ount is %ommer%ial a%%ount and any one$%an deposits or 6ithdra6 his
money from this a%%ount 6ithout any profits. .rom the .igure$E, 6e %an say that, the
amounts of Al Hadiah 'D A<' regularly in%reased from month to month. /hrough this
%hart, 6e %an say that Al Hadiah 'D A<' %reates different image of 01# Ban2 among
the all 2ind of )usinesspersons in &hulna %ity.
06 MSD ADC
8F<"re 19
Any sound$minded person %an open this a%%ount. .rom the .igure$:, 6e %an easily say
that, the num)er of (D A<' is also a gro6ing a%%ount in every month and it is proved
that the popularity of 01# Ban2 is in%reasing day )y day among all %lasses> people in
mar2et.
@6 MSTD ADC
8F<"re .9
/his a%%ount is also a )usiness a%%ount. =6ner of this a%%ount %an get EL profits on
their deposited amount at daily )asis. #f 6e analysis the .igure$9 than 6e see the
performan%e of this a%%ount from January to De%em)er and 6e %an say that 01#
Ban2 in not only a )an2 among the )usinesspersons moreover it is trusty partner of
)usinesspersons.
>6 MTDR ADC
#t is a time deposit. 'ustomers %an fi7 deposits their money in this a%%ount and they
%an 6ith dra6 their money after a %ertain periods. #f 6e analysis the graphs then 6e
%an easily find out the relia)ility of 01# Ban2 among the %ustomers ho6 mu%h
in%reasing 6ithin this short time.
>6 A6 MTDR 8/ Mo)th9 ADC
8F<"re C9
.rom .igure$F, 6e %an say that the performan%e of this )an2 is in%reasing from
January to ar%h and suddenly de%reasing the num)er of this a%%ount in April and ay
and it is flu%tuated to rest of the months of this year from April to De%em)er.
>6 B6 MTDR 8@ Mo)th!9 ADC
8F<"re A9
#f 6e analysis the .igure$G, then 6e have found that the total num)er of this deposits
are in%reased regularly from January to ay at a su%%essive rate. But in June the
gro6ing rate of this a%%ount )e%ome fallen do6n and from July to De%em)er it is
in%reased at an alarming rate.
>6 C6 MTDR 8. Mo)th!9 ADC
8F<"re 29
.rom .igure$;, 6e get a good %on%eption a)out the performan%e of this deposit in this
year. .rom January to June, the rate of this a%%ount in%reased at a su%%essive rate )ut
from July to De%em)er, the num)er of the a%%ount is deviated and last three months
the rate of this a%%ount is remain.
>6 D6 MTDR 8/ Ye&r9 ADC
8F<"re /-9
.rom .igure$10, 6e %an say that the num)ers of this deposit in%reased from the first
three months to the last three months of this year. But from ay to (eptem)er the
total num)er of this deposits are flu%tuated. #n De%em)er 01# Ban2 has %olle%ted
highest amount of /D! B1 8earC deposit. (o 6e %an easily understand that, the
a%%epta)ility of this a%%ount of 01# Ban2 is gradually in%reased month to month.
16 MSS ADC
#t is a s%heme deposits. 'ustomers %an open this a%%ounts at various periods B: years,
G years, 10 years, 12 yearsC and deposits their money from /2. :00<$ to /2. :0,000<$
at every month.
16 A6 MSS 81 Ye&r!9 ADC
8F<"re //9
#f 6e analysis the .igure$11, it is easily under sta)le to us that the (( B: 8earsC
deposit is one of the profita)le deposit of 01# Ban2. /he in%reasing rate of this
a%%ount is regular from January to the till last month De%em)er.
16 B6 MSS 8A Ye&r!9 ADC
8F<"re //9
8F<"re,/09
.rom .igure$12, 6e %an easily say that, the performan%e of this deposit is satisfa%tory
and it is one of the high rising deposits of 01# Ban2 &hulna Bran%h. .rom January to
ay, it is in%reasing at every month and in De%em)erI the performan%e of this s%heme
is remar2a)le. But from June to Novem)er the performan%e of this s%heme is average
and the in%reasing rate is not so mu%h regular.
16 C6 MSS 8/- Ye&r!9 ADC
8F<"re /@9
.rom .igure$1D, it is easily under sta)le to everyone that these (( deposits %reate
lots of interest on %onsumers. #f 6e analysis the .igurer than 6e see that the trend of
this a%%ount is not do6nsi"ing and it is still in%reasing from the first to the till last
month at a satisfa%tory rate.
16 D6 MSS 8/0 Ye&r!9 ADC
8F<"re />9
#f 6e analysis the performan%e of .igure$1E, then 6e %an say that this (( B12 8earsC
deposit is the most profita)le a%%ount and the performan%e of opening this a%%ount
from )eginning of the year and end of the year is highly satisfa%tory. .rom this .igurer,
6e see that the num)ers of the deposit from ea%h month is in%reasing at a satisfa%tory
rate.
.6 MSSS ADC
/his a%%ount is an e7%eptional deposit and it %reates lots of interest among the
%ustomers. 'ustomers get dou)le amount of money after G years from this a%%ount. #f
6e analysis the graph then 6e find that the num)er of ((( deposits of 01# Ban2
are in%reasing day )y day.
8F<"re /19
.rom .igure$1:, 6e %an see that the deposit rate in%reased from January to June at a
half$yearly )asis. .rom July to Novem)er, the in%reasing rate is not so mu%h regular at
every month )ut at the last month of De%em)er, the in%reasing rate of this deposit is
satisfa%tory. (o, it is %lear to us that the num)er of this deposit in in%reasing )e%ause it
is treated one of the profita)le deposits near the %ustomers.
C6 MPSS ADC
/hrough this a%%ount, %ustomers en*oy highest )enefits than any other a%%ount. After
12 years, they %an get triple amount of money, 6hi%h they deposited at the time of
a%%ounts opening.
8F<"re /.9
.rom the figure$19, 6e see that the num)ers of this deposit in%reased from first to last
of this year. /he num)ers of this a%%ount is same from January to .e)ruary. But it is
in%reased from April to =%to)er. #n Novem)er, the num)ers of this a%%ount )e%ome
minimi"e and in De%em)er, it is again in%reased.
A6 HA44 S+he$e Depo!t 81 Ye&r!9 ADC
0very uslims have a desire to go in ,o%%a4 - ,odina4 to perform the holy @a**.
01# Ban2 )rings a great opportunity for this pious uslims to perform their holy @a**
6ithout any hassle. As a ne6 )ran%h 01# Ban2 suggest the pious uslims to perform
their @a** 6ith the help of legal agen%y and in this filed their performan%e is
remar2a)le.
8F<"re,/C9
.rom .igure$1F, 6e see that the performan%e of this a%%ount is not so satisfa%tory.
@o6ever, it is a spe%iali"ed a%%ount for the @AJJ traveler and those people open this
a%%ount 6ho 6ant to do it.
26 MIS ADC
#t is a remar2a)le opportunity of %ustomer to en*oy ma7imum profits from this
a%%ount. 'ustomers %an get dou)le amount of money 6hat they deposited in this
a%%ount. #f 6e analysis the performan%e of 01# Ban2 then 6e find out the a%tual
s%enario 6hi%h is %reates lots of interest in mar2et.
8F<"re /A9
.rom the analysis of .igure$1G, 6e see that the performan%e of this a%%ount is not
regular. #t in%reased fourth times of this year and other months the a%%ount$opening
rate is "ero.
.rom these s%hemes, 01# Ban2 Bangladesh 3td. B&hulna Bran%hC has deposited huge
amount of %apital from the deposits. /he %harts of amount of deposits are presented
)elo6+
Mo)th: 4&)"&r5 0--2, M&r+h 0--2
Depo!t! 4&) 8BDT9 Fe# 8BDT9 M&r+h 8BDT9
Al Hadiah 'D 1E,2G,DD2.00 F,1:,EFF.00 1;,EE,909.1E
(D 1:,09,;:0.00 2;,9;,G91.00 2E,GD,9;;.;E
(/D 1E,12,129.91 D:,D1,0D;.91 :G,02,DD9.11
/D! B1monthC F,00,000.00
"#$%#&$'.((
D2,2G,E29.00
/D! BDmonthsC 1,F0,GF,000.00 D,0:,9F,000.00 E,11,0G,;FE.10
/D! B9monthsC 1E,G;,000.00 29,G:,000.00 DF,90,000.00
/D! B1 yearC ;,90,000.00 F2,E0,000.00 F:,0E,000.00
(( B: yearsC 29,:DF.:2 90,;FG.GD 1,E0,1:G.99
(( BG yearsC 11,000.00 29,21;.;2 :F,0G;.F2
(( B10 yearsC 12,0DG.91 2:,F:F.F; 92,19F.F1
(( B12 yearsC 9:,D;F.;D 1,:0,902.G; 2,:D,19G.9E
((( ;,00,000.00 1E,F:,000.00 1:,E0,000.00
P(( 9,00,000.00 9,00,000.00 1:,00,000.00
@AJJ $ $ $
#( $ ;G,DE2.01 2,:G,E9F.0E
8T&#'e /29
.rom /a)le$1;, 6e find that, the deposited amounts of these s%hemes from January to
ar%h are gradually in%reasing e7%ept some. .rom this ta)le 6e %an say that, the
performan%e of 01# Ban2 of first three months )ears positive sing among the %lients.
Mo)th: Apr' 0--2, 4")e 0--2
Depo!t! Apr' 8BDT9 M&5 8BDT9 4")e 8BDT9
Al Hadiah 'D 2E,::,:GD.0; D2,G0,2E2.G; 91,;D,G2D.DG
(D 29,;D,;GF.1E 21,DE,G::.EE 1;,00,9;D.1:
(/D 90,DG,;G1.;: 1,10,E0,E12.21 1,F2,;E,F:F.:E
/D! B1monthC 99,2G,9DG.00
)$#)$#)%(.((
2:,:G,E2;.00
/D! BDmonthsC E,11,:2,D0;.00 E,;0,90,;;G.10 E,92,2;,2GF.0G
/D! B9monthsC E1,D0,000.00 E1,D0,000.00 ED,:0,000.00
/D! B1 yearC 1,2E,:;,000.00 1,2:,0E,000.00 1,2;,2;,000.00
(( B: yearsC 2,:9,291.F9 D,:;,9G0.1; E,9G,0DG.E;
(( BG yearsC ;D,DF2.GF 1,D2,;DF.:G 1,FD,DG1.G9
(( B10 yearsC ;F,;GE.:F 1,2;,EGD.FD 1,G0,E9E.D2
(( B12 yearsC E,0E,120.09 :,9;,1:G.;9 ;,21,;D0.D1
((( 19,G:,000.00 19,G:,000.00 1F,D0,000.00
P(( E1,:0,000.00 E,1:0,000.00 E,1:0,000.00
@AJJ $ $ E9,G9D.F:
#( DD0,G:G.0F DD0,G:G.0F DD0,G:G.0F
8T&#'e 0-9
#f 6e analysis the /a)le$20, 6e %an see that, the in%reasing rate of these deposited
amount from April to June is %ontinuing. 8et the amount of some s%hemes are
remained )ut in ma7imum most of the s%hemes are gradually amplified. #n addition,
the ta)les have proved that, the half$yearly performan%e of 01# Ban2 is satisfa%tory
and it )e%omes a ne6 sensation among the private %ommer%ial )an2s in &hulna.
Mo)th: 4"'5 0--2,Septe$#er 0--2
Depo!t! 4"'5 8BDT9 A"<"!t 8BDT9 Septe$#er 8BDT9
Al Hadiah 'D DG,G1,2;;.:0 9F,G:,;F0.D1 G0,D:,1F1.19
(D 1;,ED,9;D.1: 29,2:,D0D.1: 2:,G2,9EF.E9
(/D D,01,;D:.F: 2,11,E;:.1; 2,ED,ED,E9:.00
/D! B1monthC ED,:0,000.00 D;,12,009.00 DF,G0,9D1.00
/D! BDmonthsC 1,2;2;,000.00 1,29,2;,000.00 1,E;,2;,000.00
/D! B9monthsC 1,:;,:D,FGF.:E 2,9E,:G,G:2.:D D,00,;E,::G.:;
/D! B1 yearC E,92,D0,9;D.:F :,11,F1,D;9.F9 :,2F,0F,1EF.EF
(( B: yearsC 2:,:G,E2;.00 E22;102.00 D2,DE,0F9.00
(( BG yearsC :,09,:DG.E; 9,00,G:0.F0 G,2:,12F.D;
(( B10 yearsC 1,F:,DG1.G9 2,1G,F21.EE 2,9E,1:0.E2
(( B12 yearsC 1,G0,E9E.D2 2,E0,2F:.99 D,0D,2;G.09
((( ;,2G,;D0.D1 12,E:,:G1.9; 1:,12,0;;.19
P(( 1,FD,000.00 1,F2,000.00 1F,D0,000.00
@AJJ E9,G9D.F: E9,G9D.F: E9,G9D.F:
#( DD0,G:G.0F EG;,;FF.F9 EG;,;FF.F9
8T&#'e 0/9
/hrough the analysis of /a)le$21, it is %learly apparent to us that the total funds of the
s%hemes are rising from the previous months. #t means that 01# Ban2 a%hieves the
%onfiden%e and trust of all levels of %onsumers and they find 01# Ban2 as a safe pla%e
to deposit their %apitals.
Mo)th: O+to#er 0--2,De+e$#er 0--2
Depo!t! O+to#er 8BDT9 No:e$#er 8BDT9 De+e$#er8BDT9
Al Hadiah 'D E9,1E,;F0.;D G0,20,;2;.29 1,FE;,G91.2
(D EF,1D,:F1.:F EG,FD,GF0.10 E,22F,DG2.D9
(/D D,;;,0E9.;D D,2E,E9,919.92 E0,00F,;91.;0
/D! B1monthC D9,:;,F9G.00 ;,D;,0G1.00 ;,E2,902.00
/D! BDmonthsC 1E,GF;.00 F,2;,G:,1GG.;0 9;,EDF,0GE.2;
/D! B9monthsC E,0;,1G,:12.90 D9,:F,01E.:E D,9G:,:9E.2;
/D! B1 yearC :,:E,:;,DFD.;1 1,::,F;,000.00 19,0F;,000.00
(( B: yearsC F:,E1,FF:.00 1D,9G,1E0.;D 1,:F;,:GF.F1
(( BG yearsC 10,20,;:D.29 D,9;,GD;.D; E,1:,E20.G;
(( B10 yearsC D,0G,111.GF :,2E,;99.1E 9,0;,DD0.10
(( B12 yearsC D,9:,DD;.;D 2D,ED,;;0.:F 2,99E,D9E.1:
((( 1F,F9,10;.99 1F,E0,000.00 1,F:0,000.00
P(( 1F,D0,000.00 E1,:0,000.00 :G,00,000.00
@AJJ E9,G9D.F: E9,G9D.F: E9,G9D.F:
#( E,G;,;FF.F9 E,G;,;FF.F9 E,G;,;FF.F9
8T&#'e 009
.rom the analysis of /a)le 22, it has no dou)t that the performan%e of 01# Ban2 is
satisfa%tory. @o6ever, some deposits are fallen do6n and some of the amount is still
)ut in average, the performan%e of 01# Ban2 is impressive. 8et one year is not a long
time to *udge the performan%e of a %ommer%ial private )an2. /his )ran%h is not a)le to
gain profits from its one year operation )ut in this one year 01# Ban2 has a%hieved
people>s %onfiden%e, trust 6hi%h is very ne%essary to run a )an2 long 6ay.
>6060 Go:er)$e)t Depr:&to)
0very government of !epu)li% Bangladesh ta2es master plan for the moderni"ation of
&hulna %ity. But the master plan %ould not )e implement in real life. As a result,
moderni"ation of &hulna %ity 6ould )e a dream. #t influen%es negative effe%ts on total
e%onomi% and )usiness stru%ture of this region. (o it is the )urning 5uestion of present
government to ta2e proper long - short term plan to develop the master plan of
&hulna %ity.
Present %ommuni%ation and transportation system of this %ity is )oring and time
%onsuming. 3a%2 of proper %ommuni%ation and transportation system it ta2es lot of
time to rea%h produ%ts or goods one pla%e to another. Businesspersons of other region
%ould not sho6 their interest on this %ity. (o government should %onstru%t several
roads, )ridges spe%ially the ,Padma Bride4 to ma2e the %ommuni%ation and
transportation system smoothly. Besides government should develop the ignored
rail6ay %ommuni%ation system, moderni"e the platform, laun%h high$speed rail vehi%les
and promote rail6ay as an alternative of road %ommuni%ation and transportation
system. .rom an%ient period, most of the transa%tion and )usiness a%tivities have
)eing performed )y river or seaport. ost of fa)ulous %ities of past and present are
)uild up )ased on the river or seaport. (o the importan%e of modern sea<river port
huge. ?eographi%ally &hulna is lo%ated in rivers side and an e7%ellent infrastru%ture is
e7isted in ongla to )e a modern river port in Bangladesh. #t 6ill enhan%e the free
trade opportunity not only all over the part of Bangladesh )ut also internationally.
/o produ%e ele%tri%ity Bangladesh is dependent on natural gas, %oal. But it 6e %annot
produ%e the level of our a%tual demand. Due to shortage of ele%tri%ity mills, fa%tories
%annot run their o6n speed. Besides s%ientists report that the energy resour%es of
Bangladesh are de%reasing day )y day. (o government should ta2e emergen%y steps to
provide integrate ele%tri%ity fa%ilities for the mills, fa%tories and find alternative
resour%es for future energy produ%tion. #nflation and deflation )oth are threaten for
the %ountry. (o government should alertly monitor the finan%ial and e%onomi% %ondition
to es%ape the e%onomy from inflation and deflation. At the time of %alling tender of any
government 6or2s most of the government )odies, institute do not maintain the la6s
and orders and some time lo%al hooligan %apture the tender )ooth to use their politi%al
po6er and identity. #t is unmotivated the )usinessperson to do their )usiness in a legal
6ay.
#t is an alarming report for Bangladesh that the amount of forest of Bangladesh is
de%reasing day )y day. #t %reates a negative effe%t on environment and for this every
year spe%ially the southern part B&hulna, Bagherhat, (at2hira, ongla et%C and %oastal
areas of Bangladesh fa%e flood, %y%lone, 6ater logging, over rain et%. #t totally
massa%re e%onomi% stru%ture of this region.
CHAPTER FI3E
Re+o$$e)%&to)! & Co)+'"!o)!
16/ Re+o$$e)%&to)! to +o$p&)5
/he )an2s are a%tually servi%e organi"ations. /he main o)*e%tives of the 6orld famous
and su%%essful )an2ing organi"ation are to ma2ing of profit through addressing the
%lients time to time 6ith ne6 pie%es of servi%e instruments. @o6ever, my little
e7perien%e earned through this internship program too2 me to )an2>s funds %olle%tion.
# had several fran2 dis%ussions 6ith the %lients and offi%ials, 6hi%h has helped me to
2no6 the follo6ing re%ommendation+
i. #t is no6 the time demand of to appoint some mar2eting e7e%utives for every
)ran%h in 01# Ban2. /he main duty of mar2eting e7e%utives to deal 6ith the
potential %ustomers of the )an2 and %onvin%e them to open a%%ounts or ta2e
loans from the )an2s.
ii. /o get more (( a%%ounts 01# Ban2 %an spilt the deposit s%heme from /2.
100<$ to /2. :0,000<$. #t %reates lots of interest among the %ustomers a)out
01# Ban2 and the num)ers of deposits %ould )e in%rease.
iii. 3i2e other private %ommer%ial and #slami% (hariah )ased )an2s, if 01# Ban2
follo6s their poli%y and ta2es %harge to issue %he5ue)oo2, then it 6ill in%lude
one of the sour%es to generate their funds.
iv. 01# Ban2 has no o6n A/ )ooth. /he Aisa %ardholders of 01# Ban2 use
others )an2s A/ )ooth to en%ashment their %ards. (o it is very essential for
01# Ban2 to esta)lish o6n A/ )ooth around the %ountry for minimi"ing the
hassle of their %ustomers.
v. /o %ompete 6ith the %ompetitive mar2et 01# Ban2 must have in%reased the
num)er of Authori"ed Dealer Bran%hes. #t 6ill in%rease the num)er of foreign
e7%hange )usinesses of 01# Ban2 and 01# Ban2 %an generate huge amount
of %apital from foreign e7%hange )usinesses.
vi. /o gain the %onfiden%e of the %ustomers of other religion 01# Ban2 %an
highlights the value of #slami% )an2ing and #slami% prin%iples.
vii. /o prevent money laundering and fraudulen%e 01# Ban2 must )e alert and
must )e maintaining the instru%tion of Bangladesh Ban2 stri%tly.
viii.01# Ban2 should %onsider the training session of their %ash offi%ers and
%om)ines the training session 6ith the help of modern 2no6ledge and
e5uipments to identify the forge and mutility notes.
i7. /o get more popularity among the inha)itants in &hulna 01# Ban2 %an ta2e
various promotional a%tivities. /hey %an %ele)rates their one year inauguration
%eremony, provide re6ards of the most loyal and profita)le %ustomers et%.
7. 01# Ban2 may in%rease their s%holarship program also the meritorious
students of private students, private s%hools, %olleges as 6ell as various
te%hni%al<vo%ational edu%ational institutes of &hulna.
7i. After passing one year )an2ing transa%tion in &hulna 01# Ban2 %ould not
a%hieved it>s e7pe%ted target. /hough one year is not so mu%h times to measure
the performan%e of a )an2 )ut it a great fa%tor of the lo%al authorities to find
out the reasons of losses and ta2e effe%tive steps to remove it.
7ii. /o e7ist in the mar2et effi%iently 01# Ban2 must )e %onne%ted themselves 6ith
modern ele%troni% %ommer%e. #t saves time, energy, %ost of )an2 and %lients
also and it )rings the transparen%y and speed of their servi%es.
160 Re+o$$e)%&to)! to <o:er)$e)t
/o regain the previous e%onomi%al value of &hulna %ity government of People>s !epu)li%
Bangladesh %an ta2e follo6ing a%tivities and programs+
i. ?overnment should ta2e various long terms and short terms programs and
poli%ies for the development of &hulna.
ii. ?overnment ta2es initiates to develop the %ommuni%ation se%tors. /he ,Padma
Bridge4 %an play as a toni% role in this %ase. #t 6ill enhan%e the %ommuni%ation
among the southern part and northern part and it 6ill foster e%onomi% a%tivities
of the %ountry.
iii. #t is the duty of government to moderni"e the negle%ted rail6ay %ommuni%ation
system. ?overnment should ta2e ne%essary step to esta)lish an uni5ue rail6ay
%ommuni%ation net6or2 all over the %ountry and laun%h high speed rail vehi%les.
iv. ?overnment should moderni"e the ,ongla !iver$port4 6ith all modern
e5uipments and fa%ilities. #t 6ill enhan%e the e%onomi%al a%tivities of this %ity.
v. ?overnment %an esta)lish ele%tri%ity po6er plants to supply integrate ele%tri%ity
fa%ilities for the mills, fa%tories and industries. And find alternative energy
resour%es for the future.
vi. #t is ne%essary to ta2e strong e%onomi% poli%y and al6ays monitor the e%onomi%
mar2et to 2eep the %ountry safe from the slap of inflation and deflation.
vii. ?overnment should esta)lish a strong rules and order and drives a6ay all 2inds
of politi%al violen%e, unrest situation from the %ountry.
viii. /o save the dead industries government %an de%lare motivation pa%2ages.
i7. Besides government should emphasi"e to prote%t the %ountry from the natural
%limates )y ta2ing various programs su%h as tree plantation in %oastal areas
and %ities, %ampaign among the people to prote%t the environment, de%rease
the level of %ar)on mitigation et%.
16@ Co)+'"!o)!
odern 'ommer%ial Ban2ing is e7a%ting )usiness. /he re6ard are modest, the
penalties for )ad loo2ing are enormous. oreover, 'ommer%ial )an2s are great
monetary institutions, important to the general 6elfare of the e%onomy more than any
other finan%ial institution. #t has a vastly so)ering and e7a%ting responsi)ility.
.rom the pra%ti%al point of vie6, # %an de%lare )oldly that # really have en*oyed my
internship at 01# Ban2 from the first day. oreover, internship program that is
mandatory for my BBA program, although it is o)viously helpful for my further thin2ing
a)out my %areer.
Ban2s al6ays %ontri)ute to6ards the e%onomi% development of a %ountry. 'ompared
6ith other Ban2s 01# Ban2 is %ontri)uting more )y investing most of its funds in
fruitful pro*e%ts leading to in%rease in produ%tion of the %ountry. #t is o)vious that right
%hannel of Ban2ing esta)lish a su%%essful net6or2 over the %ountry and in%reases
resour%esI 6ill )e a)le to play a %onsidera)le role in the portfolio of development in
developing %ountry li2e ours.
All things around us are %hanging at an a%%elerating rate. /oday is not li2e yesterday
and tomorro6 6ill )e different from today. ?iven the fast %hanging, dynami% glo)al
e%onomy and the in%reasing pressure of glo)ali"ation, li)erali"ation, %onsolidation and
disintermediation, it is essential that 01# Ban2 limited have a ro)ust poli%ies and
pro%edures that are sensitive to these %hanges.
B#'o<r&ph5
1. 07im Ban2 ,onthly /ransa%tion Posting (ummary4, 4Daily /ransa%tion Affairs4
of 01# Ban2, July 200; to De%em)er 200;
2. @ai, . 0namul, ,Ban2 anagement4 Jane Pu)lishers, January 1;;9.
D. @ossain Altaf, B200EC, Introduction to Business, BPu)lishedC, Dha2a, !oyal
3i)rary. 0d$#A
E. &otlar Philip, Armstrong ?ary, B2009C, ,Marketing Management4, BPu)lishedC,
Ne6 Jersey, Prenti%e$@all #n%. 0d$1##
:. &otlar Philip, Armstrong ?ary, B2009C, ,Principle of Marketing4, BPu)lishedC, Ne6
Jersey, Prenti%e$@all #n%. 0d$1#
9. Narash, &., alhotra, B2009C, ,Marketing Research- An Applied Orientation4,
BPu)lishedC, Delhi, Pearson 0du%ation Pvt. 3td. 0d$#A
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