Internship Report

Southeast Bank Limiter

Bashundhara Branch
Submitted to:
Faiz Hossain
Lecturer, School of Business

Submitted by:
Tanvir Sarafaraz
ID: 1010035030

Letter of Transmittal

August 10, 2014

Mr. Faiz Hossain

Lecturer
School of Business
North South University

Subject: Submission of Internship Report

Respected Sir,
It is indeed a great pleasure to have the opportunity to submit my internship report on the
experience gained during my internship period at Southeast Bank Ltd. I have prepared this
report in accordance with the instructions given by you. I expect this report to be informative
as well as comprehensive.
Working in Southeast Bank Ltd was inspiring and a great learning experience for me. I hope
this knowledge will facilitate me a lot in my future career endeavours. In spite of the various
difficulties faced in preparing the report, I have given utmost care to be as thorough as
possible. With my limited knowledge, I have tried my level best to prepare the report
worthwhile.
I sincerely hope that this report meets your approval and demonstrate my ability to present
internship reports. I would be glad to furnish you with any clarification if required.

Sincerely,
Tanvir Sarfaraz
1010035030

Acknowledgement

First of all, I would like to express my gratitude to Almighty Allah for enabling me to
complete the report in due time.
I would like to express my sincere gratitude to Mr. Faiz Hossain Lecturer, School of
Business, North South University for providing me with detailed feedback and advice
on this report. He gave me suggestions in order to make this study as flawless as possible.
My utmost thankfulness goes to my supervisor Mr. S.M. Shahinoor Islam, Executive Officer
at Southeast Bank Bashundhara Branch, for giving me an in-depth knowledge about banking.
I would also like to thank all other officers, other intern students for providing the necessary
support in the organization. Their guidance and co-operation helped me to get a more handson experience. Moreover, they have provided me with the information regarding each
and

every

operational activity of the organization which enabled me to get a better

understanding of the banking tasks.

I have also thoroughly enjoyed while working on the project report and hope the project is
appreciated.

Table of content
4

Executive summary................................................................................................... 5
Introduction.............................................................................................................. 6
Organizational Overview.........................................................................................7-9
Last two years Performance ..................................................................................10-11
Organizational Structure..........................................................................................12
Major Functional Areas ..........................................................................................13
My task and contribution to SEBL......................................................................... 18
Lesson learnt from Internship................................................................................. 19
Personal Development................................................................................ 20
Difficulties I faced.................................................................................................. 20
Difference between My Expectations & Experience. 21
Internship Influence my career plans.. 22
Conclusion..................................................................................................23

Executive summary
It was a great opportunity to work under one of the largest bank of Bangladesh. The purpose
of the program was to perceive the real life situation. The academic knowledge is well
5

enough to compete with the real world. This internship program was helpful to face the real
working environment.
The Bank, in the meantime, successfully completed 15th year of banking operations,
recording significant growth in all the performance indicators. Operational excellence,
coupled with qualitative improvements continued to be of paramount importance to the Bank.
As Southeast Bank Limited (SEBL) is facing the stiff challenges ahead on the way to further
improving the profitability of the Bank, SEBL rely on skilled and experienced workforce.
High quality customer services through the integration of the latest and state of the art
banking technology and products is tool to achieve success. Customers are the first priority of
SEBL. Southeast Bank is trying hard to provide a system of one-stop banking for customers
by providing a broad spectrum of services. SEBL has employees have mastered new
technology, enhanced their product knowledge and honed their skill to help customers meet
their financial goals. SEBL wants to be the best helping customers become financially better
by providing free advice, innovative leading-edge financial solutions, choice and
convenience.
SEBL is pledge-bound to turn Southeast Bank into a modern banking institution, dynamic in
actions, progressive in programs, honest in dealings, just in judgment, futuristic in attitude,
fair in approaches and devoted to high quality service to customers. SEBL has charted plans
are aimed at boosting modern management, advanced technology, good profitability, sound financial strength and fair corporate image of the Bank.

Introduction
Throughout my internship programme, I got myself introduced with different real life
working situation which helped me in various ways. The practical use of the academic
6

knowledge was visible in front of my eyes. It would be wrong if I say that, I have seen all the
academic knowledge is used in real life banking.

From the very early age, I have seen how a banker lives his life, how hard they work, how
dedicated they are at their job; as my father is Banker and slowly I started to understand how
well connected and how they can manipulate our countrys economy as well as world
economy. Connections with all sorts of people from home and abroad made me more
interested about working at a Bank. As a developing country, in Bangladesh there are lot of
responsibility that a Bank/ Financial institution have like; Financing garments, industries,
bid projects, import-export letter of credit, creating employment, providing personal and
business loan, providing safety of cash, different types of schemes and deposits and so on. In
addition to that, transfer of money from domestic to international, all are dependent to
Commercial Banks now-a-days. So being acknowledged about such vast sector was one of
my desires. Following such desire I conducted my internship under Southeast bank Limited
Bashundhara Branch.
The Southeast Bank was established by leading business personalities and eminent
industrialists of the country with stakes in various segments of the national economy. They
established the Bank with a vision to bring efficient and professional banking service to the
people and the business community of Bangladesh to help the national economy grow. The
Banks operations are built upon unequivocal emphasis on effective corporate governance.
The objective is to create, promote and build long-term company value. The Banks first and
the highest priority are to provide effective services and maximum satisfaction to the
customers. The ethos of harmony and co-operation is widely practiced in the Bank.

Organizational Overview
Southeast Bank Limited is a second-generation bank that was established in 1995 with a
dream and a vision to become a pioneer banking institution of the country and contribute
significantly to the growth of the national economy. The Banks journey began when it was
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incorporated as a Public Limited Company on March 12, 1995. The Registrar of Joint Stock
Companies and Firms issued the Certificate of Commencement of Business of the Bank on
the same date. The Southeast Bank received its Banking License from the Bangladesh Bank
on March 23, 1995.
Operational excellence coupled with qualitative improvements continued to be of paramount
importance to the Bank. At present, the Bank has 103 branches and 2 Off-Shore Units across
the country. Plans have been drawn to raise another 10 branches in 2014. Our journey
towards greater operational success continues with increased energy and enthusiasm.
Southeast Bank has become a synonym of quality banking services and products. It has a
diverse array of products and services tailored carefully to cater to the needs of all segments
of customers. Our operational strategies are structured to address the special and often
complex needs of the customers.

Name of the Company:

Southeast Bank Limited

Legal Status:

Public Limited Company

Date of Incorporation:

March 12, 1995

Registered Office:

Eunoos Trade Centre 52-53, Dilkusha C/A,Dhaka.

Chairman:

Alamgir Kabir, FCA

Vice Chairman:

Ragib Ali

Managing Director:

Shahid Hossain

Authorized Capital:

BDT 10,000 million

Paid Up Capital:

BDT 8,732.86 million

Year of IPO:

1999

Stock Exchange Listing: April 10, 2000 (DSE) & April 24, 200(CSE)
Legal Advisors:

The Law Syndicate

Vision
To be a premier banking institution in Bangladesh and contribute significantly to the
national economy.
8

Missions
High quality financial services with the state of the art technology Fast customer service
Sustainable growth strategy High Ethical standards in business Steady return on
shareholders equity Innovative banking at a competitive price Attraction and retention of
Quality human resource Commitment to Corporate Social Responsibility

Core Values
Our values serve as a compass for our action and describe our direction.
Integrity
Respect
Fairness
Harmony
Team Spirit
Courtesy
Commitment
Service Excellence
Insight and Spirit
Enthusiasm for Work
Business Ethics

Core Strengths
Professionally strong Board of Directors
Strong capital base
Transparent and Quick Decision Making
Efficient Team of Performers
Satisfied Customers
Internal Control and Skilled Risk Management
Diversification and Quality customer service
Unique corporate culture
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 Sharp bifurcation between Board and

Strong asset base

Core Competencies
Knowledge
Experience and Expertise
Customer Orientation / Focus
Transparency
Determination
Zeal for Improvement
Pursuit of Disciplined Growth Strategies
Reliability
Currently, product-basket encompasses Real Time Online Branch Banking, Islamic Banking,
Merchant Banking, Dual Currency Visa Platinum Credit Card, Visa Travel Card, ATMs,
Education Loan Scheme, Double Benefit Scheme, Triple Benefit Scheme, Consumer Loan,
Millionaire Deposit Scheme, SME Banking, Corporate Banking, Syndicate Loan, Monthly
Savings Scheme, Monthly Income Scheme, Pension Saving Scheme, Multi-Millionaire Gold
Deposit Scheme, Mohor Saving Scheme, Zakat Account, Cash Wakfh Account, Wage Earner
Pension Scheme, SMS Banking etc. in addition to our traditional credit and foreign trade
related products and services.

Commitments to the clients are the following:

Provide service with high degree of professionalism and use of modern technology.
Create long-term relationship based on mutual trust.
Respond to customer needs with speed and accuracy.
Share their values and beliefs.
Grow as our customers grow.
Provide products and service at competitive pricing.
Ensure safety and security of customers valuables in trust with us.

10

Last Two years Performance:

11

12

ORGANIZATIONAL STRUCTURE
Head of Branch
A.T.M. Manjurul Alam
(EVP)
Manager Operations
Sadiya Shahnoor Ameen (SPO)

Credit Risk
Management
Sanjeed Salahuddin
(EO)

General Banking
Department
Md. Zahidur Rahman
(EO)

Accounts
Department
Sanjoy Kumar
Mondal (JO)

Legal Affairs and

Recovery
Department
Junait Hassan (EO)

Credit Appraisal
and Approval Unit

Cash
Md. Sydul Islam (JO)

Credit Appraisal
and Approval Unit

Clearing
S.M. Shahinoor Islam
(EO)

Retail Unit
A.S.M. Ashraf
Uddin
Chowdhury (EO)

Account Opening
Rawshan Ara Nasrin
(TCO)

SME and Agri

Unit
Md. Toufiqur
Rahman (SO)

Customer Service
Rokaiya Zaman (JO)

Corporate Unit
Sanjeed
Salahuddin (EO)

Islamic
Banking
Service
Rawshan Ara Nasrin
(TCO)

Help Desk
Md. Toufiqur Rahman
(SO)

Major Functional Areas:

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Cash Department
Cash section is the section where customers deposits and withdraws cash for any justifiable
instrument. In cash section, there have three cash counter, line-1 cash receive for account
holder and IPO share, line-2 cheque clearance line & line-3 for bill collection line. In the
opening time of the day first assistant manager comes in the morning at 9:45 am and opens
the cash bold. After the calculation of current cash amount in the vault the cash in charge of
the branch distributes a small amount of changes to all the three counters for the purpose of
customer needs.
When a counter receives a cheque from a customer the officer has to cheque the date,
signature and account number. If everything is written properly, the officer logs into the
software to cheque the availability of the cash in the account. It the specific account does not
have sufficient cash, the cheque will be bounced. In addition with that, if the amount is larger
than BDT 500000 /- ; the officer has to inform the General Banking in charge to confirm the
cheque by calling up the account holder and confirm the cash payment.
SEBL Bashundhara br. also other services like issuance of IPO shares, North South
University Admission form sell, Admission fee collection, selling of prize bonds etc. While I
was working as an intern in the branch, I came across IFAD Auto and SASHA Demin IPO
shares. Cash counters have four types of record book. Price bond, registry book, cash
withdraw and leaguer book.
Form my experience it seemed, cash department has the most interactions with the customers
and Cashiers behaviour; concentration and patience are the most curtail parts.

Account Opening Section

After 12 working days I shifted front desk second floor in the bank. In front desk account
opening, remittance information, different account information, locker and other information
provide from front desk.
In SEBL, there have different account like- DPS, Saving, current, salary and different
account. Whenever a person comes in front desk; first introduces his/her personal
information and then the junior officer suggests that which account is suitable for the
14

customer. National ID card/ Passport/ Birth certificate, photo, income source, nominee
information, permanent and current address are needed for account opening.
SEBL provide two types of interest system. One is general 5-12% interest rate and other is
soriya vittik interest. But generally in Bangladesh people are most common preferred general
interest rate system. Fixed deposit and DPS has different interest rates for different years.
Bank makes file for different account holder and put separate serial numbers differs form
branch to branch. It is necessary for the bank to protect all information for account holder.

Cheque Clearance Section

BATCH means Bangladesh automated clearing house. Under Bangladesh bank all bank joins
in BATCH. Everyday bank receives cheques or other instruments form different bank or
other branch from customers. All banks meet in the clearance house and submit their cheque
or other document. Then all trade gets clearance from Bangladesh Bank clearance house.
IBDA (Inter branch debit advice) & IBCA (inter branch credit advice) worked by bank to
bank. No other organization involved in the BATCH activity.
IRE means Inter return envelope which works for same Bank but different branch. LikeSEBL head office situated in Dilkusha and there have different branch in different places.
One branch can clear other branch cheque. Whenever a customer comes with a cheque who
has an account on another branch, clearing section officer collects the cheque, run the IRE
and this notification goes to Bangladesh Bank.
15

Loan Section
Loan is necessary for both business and sometimes personal life. There are Home loan, car
loan, marriage loan, and study loan, medical and business loan etc. Bank follows step by step
process to grant a loan. If a customer wants to get a loan, he/ she have to follow the following
procedures. .
First go to bank and submitted the paper which against you get loan.
Second, the Bank contacts with main branch for loan clearance and submit those paper copy.
Third, main branch gives a feedback and what other papers needed and confirm that those
papers are legal or not.
Fourth, Bank checks and justifies all papers are right or wrong.
Fifth, Bank gives a confirmation paper and attaches some rules and regulations about the
loan.
If consumer agrees with the bank, then bank tells him/her to open a bank account in their
branch. At last bank confirm loan against different rules and regulation and after that the
customer can withdraw the money.

The loan portfolio of the Bank is spread over the business of different sectors like readymade
garments, textile, spinning, dyeing, ceramics, pharmaceuticals, telecommunication,
petroleum, steel and engineering, ship scrapping, cement, edible oil, sugar industry, real
16

estate, transport, agriculture and other commercial lending etc. which ensures diversification
without concentration to limited sectors. The Bank also thrives on reducing risk at the time of
borrower selection through due diligence on government policy, industry outlook, borrowers
business performance along with mitigation of unforeseeable risk by taking adequate
collateral.

SME Banking
The Bank, in line with the policy guidelines of Bangladesh Bank, has strengthened its SME
operation, through introduction of 10 (ten) SME Service Centres all over the country during
the year 2009. Policy for financing in the SME Sector has also been devised and
implemented. The credit proposals from the branches helped the Bank to experience a growth
of 25.76% in this sector.
Bank provides credit facilities to the small and medium entrepreneurs to be more productive
and stable. The entrepreneur should be skilled in managing his / her business and has
experience of successfully managing the business for at least 2 (two) years. The literate
entrepreneur is given preference. The age of the entrepreneur must be within the range of 20
to 50. The entrepreneur must be socially acceptable. A clear succession plan for the
entrepreneur must be present. If the entrepreneur is an individual, he / she must be a national
or permanent resident of Bangladesh. If the entrepreneur is a company / firm or other
business entity, it must be registered in Bangladesh with majority shares owned by
Bangladeshi and valid licenses for the business. The entrepreneurs principal place of
business must be in Bangladesh. If the entrepreneur is a member of any social organization /
association, he / she should arrange a corporate guarantee of the association / organization
through formal regulation (if any). The business must be legally valid, i.e., have trade license,
income tax or VAT registration certificate (wherever applicable). The business must have a
defined market with clear growth potentials. Proper utilization and timely repayment of
previous loan(s) will be considered as proven track record of the applicant for renewal &
enhancement of credit facility.

For small enterprise: Taka 2.00 lac to Taka 30.00 lac

For medium enterprise: Taka 2.00 lac to Taka 50.00 lac

17

To concentrate more in SME banking in 2013 Southeast Bank adopted a medium term SME
strategy. It is primarily a strategy intended to find the optimal way to approach the Small
Enterprise segment. The following five fundamental areas have been covered in the strategy:
(1) SME focus and execution capabilities; (2) market segmentation, products and services;
(3) sales culture and delivery channels; (4) credit risk management; and (5) IT and MIS.

Dual Currency VISA Credit Card

Single Card-Dual Use (Local & International):
SEBL Visa (Dual) Credit Card has unique feature of allowing limits both for local and
international usage in a single card. However, one may opt for separate cards if he / she find
the same convenient for him / her. SEBL Visa (Dual) Credit Card is accepted at any merchant
locations or payment counters displaying Visa logo in any part of the world.

Widely Accepted at Merchants & ATMs Worldwide

Competitive Annual / Renewal Fee

20 50 Days Interest Free Credit Facility

50% Cash Drawing Facility at ATMs and any Southeast Bank Branch

100% Cash Drawing Facility at purchase mode through Card Cheque

Easy Repayment: Cardholder has also the option of paying a minimum of 5% of his /
her bill amount every month and thus can enjoy the flexibility to plan repayment in
instalment basis.

18

Auto Payment facility: If a cardholder maintains an account with any of the SEBL
branches, he / she can instruct us to realize the monthly bill against his / her credit
card from his / her SB/CD/STD account automatically.

Payment of International Roaming Bill of Mobile Phone: Cardholder can pay his / her
international roaming bill of cell phone through Credit Card.

Auto Debit Facility of Mobile Phone Post Paid Subscribers

Free Supplementary Cards: Supplementary cards are issued against a Principal Card.
While each supplementary cardholder will have his / her own independent usage
within the principal card holders credit limit, the expenses will be charged to the
principal card holders account. Separate limit but not exceeding the principal may
be fixed for each supplementary card.

SMS Push Pull Service

Locker Services
Southeast Bank has locker facilities. A client must have a CD or STD or SB or any type of
account in the respective branch where they wants to avail the locker service.
Fees and Charges of Locker Service
Locker Service
Small
Medium
Large

Yearly Charge
Tk. 750/=
Tk. 1,250/=
Tk. 2,000/=

Security Deposit
Tk.2,500/= (Refundable) for all types of lockers.

My tasks and Contribution to SEBL

As an intern in the SEBL Bashundhara branch, I had certain task in different sections. In first
month i worked in the clearing and credit card section where I had the responsibility to
complete the audit trial report, providing service to credit and debit card customer. In the
second month i worked in the cash department where i had the task if doing the audit which
was more complicated then clearing section audit. Adding to that, I also had to work for the
cash in charge to prepare the issued IPO of different companies. In the last few days, i had to
interact directly with customers in the purpose of selling North South University Admission
19

form and collected cash. Other than that, I was always required for helping out the officers in
MS Excel works.

Lesson learnt from Internship

The lessons that I have learned while working as an intern in South East Bank Limited will
stay with me for the entire lifetime and these skills that I have managed to acquire will
definitely be very fruitful and helpful for the future prospect of my career.
Need to be outspoken:
To have a good working environment it is a must for the employee to interact with the coworkers. Not only has it helped to create a comfortable work environment, but also it helped
to understand many problems and was able to come up with quick solutions.
Imitating co-workers to improve personality:
To be a part of the team, it is necessary the co worker should have the feeling that as an
Intern he/she is not less than any other officer. To do that, it is necessary to follow the way
the co-worker talks, dresses, reacts, concentrates, and behaves and so on. That is why I
always tried my best to understand and copy them, and through this process I discovered that,
their ways of doing things are more simple, convenient, and unquestionable rather than mine.
Communication with co-workers:
Co-workers have a lot of experience and they have obviously made it in that particular field.
By asking them how they had survived the harsh reality, busy work schedule, immense work
load, it gave me the motivation and confidence as well. For example, a senior executive
officer once told me talk less, listen more which was a great tip. In this way I can get more
information without disclosing anything.
Being grateful:
It is always a good thing to be thankful. Because, I have seen officers feel glad to help me
whenever I required assistance and by being pleased for their help made them feel better and
in the future time of need I never had to ask for assistance.

20

Personal Development
My first exposure to professional life through internship has benefited me mostly in
strengthening my personal skills. I have developed positive attitudes, strong sense of
responsibility, and being innovative, resourceful, open and responsive to change. It has
created in me an interest in lifelong learning.
Multitasking: When doing one task such as uploading data with full concentration I

often had to deal with several commands from my superiors like photocopying or
scanning some necessary documents or to assist someone with his/her task. There is
no chance of saying NO to anything in the corporate world as my supervisor said so
I learned to stay updated about all type of official affairs so that I could help anyone
and everyone.
Time management skills: I got the opportunity to enhance my time management
skills. I often had to work under pressure within a given timeframe. Learning time
management was quite effective in knowing how to prioritize activities and to
distinguish between the more important ones from the less important ones.
Professionalism: I had to maintain a strict time schedule which taught me adjust
myself to the corporate world and act in a more professional manner.
Patience: This is the biggest learning that I have managed to develop gradually.
While working at the Southeast Bank I was able to differentiate between the more
important tasks from the less important ones and was able to improve my patience. I
came to learn to think calmly and composedly of any problem in the way and then a

21

Solution is likely to show up.

Difficulties I faced:
Though I was very much familiar with banking environment, but still there were some
difficulties I have faced during mu Internship Program.
First of all, all of the employees were busy with their work and my supervisor had
very less time to talk with me. I was very luck that one of my NSU friends was also
working as intern at the Branch. He introduced me to all of the other officers and after
that I felt better.
Secondly, it was very hard to gain the officers trust. If they did not trust me, they
would not have given me any task to do. Then the whole 12 weeks internship program
would have been passed by just sitting alone in the corner.
Thirdly, all the officers were 10 to 15 years older than me. So they had different
opinion and suggestions which seemed unrealistic or in some cases naive in my
prospective. But slowly as days passed I was able to understand their ways of
thinking and modify my perception also.
Fourthly, while working in the cash section, it was very hard for me to keep my
patience. Because the audit trial report was very complicated and there was always
presence of crowd in the counters. Moreover, I had hardly any time to leave my seat.
But after few days I was able to cope up with customer behaviour and work load.
Last of all, in the beginning of my internship I had almost nothing to do in the office.
Sitting in the office and to do nothing is the most annoying thing.In addition to that,
there were eight Intern in the Branch and it was sometimes really hard to find any
work or a seat. That is why I tried always to get something to do. I went from desk to
desk and asked if any of the officers need any helping hand. After few days, I was
able to gain the officers trust and sometimes I was called by 2/3 officers at a time to
do their task.
Despite of all these difficulties, what kept me going were my goals and aspirations of
building my future career in the banking sector. I knew this internship was a suitable

platform for me to reshape my dreams and make them come true so I concentrated on my
job with sincerity.

Difference between My Expectations & Experience:

To be honest, the difference between my expectation and my experience is huge. Before
starting my internship I was worried that I will be told to do the insignificant jobs, and at the
beginning I had seen it too. But slowly when the officers and supervisor seen my
performance, they started to gain faith on me. After few days they started giving me tougher
and complicated tasks. At the end of my internship period I felt like cash officer became
dependent on me. If I was not present, the audit was let unfinished. Moreover, the cash in
charge officer requested me to stay 10 more days after 12 weeks of my internship program
which made me feel better. It felt like I was at least been a little help to actual banking
process. In addition to that, as days passed I got faster at my job and work load started to
build up. The most astonishing thing was that in very short period of time, I got close to
officers and they were very friendly though they knew me for only few weeks.

Internship Influence my career plans:

Internship has become an integral part in everyones life as it helps to set a career. Though
students receive different experiences by working on different environments, they definitely
get the chance to test their interests, make good contacts as recommendations, gain
knowledge about the particular field on which they want to apply, thus students ensure
developed skills and knowledge on a particular field along with sizable information for their
resumes and curriculum vitae.
As I was form Finance and International Business majors, this internship program enhanced
my deepest knowledge and almost all the technical knowhow regarding banking industry.
Although I wanted to do my internship into a bank, I was not sure whether I would want to
make that a career or not. First couple of days in the bank was difficult for me as I had to
adjust with the new working environment and also had to cope up with the mentality of my

co-workers. But gradually as time passed and I got to know my tasks and the people around
me, it automatically helped me to fit in.
Besides working with different officers and with different departments I got to know the
works of a bank more closely.
Now after my 3 months internship program at Southeast Bank; I definitely know that I am
going to work for a bank or any other financial organization and for that I thank all my coworkers and my supervisor because they helped me to know my abilities and my boundaries
and also influenced me to go for a banking career.
I have fixed my mind set to be a bank manager and to achieve that I will give my most. The
utmost respect, care, value, control, influence, responsibility and power of the manager
attract me more than anything. With the help of Almighty Allah, I will pursue my career in
Banking Sector.

If I had to redo this internship, things that I would do differently:

If I had the chance to redo this internship I would do the following things differently,
Give more time to the accounts opening department and the credit department,
because still I believe I dont have the proper knowledge about how these two
departments work.
I would spend more time to learn about L/C system as my knowledge about L/C
works is very minimal. I also needed to learn about more of the banks products they
are offering.
I would spend more time to communicate with the customers, especially with those
who used to come to open current accounts. Sometimes customers can be a good
source of gathering knowledge as they transact with banks on a regular basis and thus
know a lot about stuff that an intern doesnt know but needs to know.
And last of all, if I had to redo the internship, the thing I would do differently is to
inform my supervisor before taking a leave.

Conclusion:
Lastly, I would like to say that my experience working inside a bank simply changed my life.
I had some good and some bad experiences but the most important thing that I learnt about

myself is that I am capable of working on any circumstances that I am put into and I can
come out with good results. That is what a program like internship does. It helps you to rediscover yourself and helps you to take decision on your career plans. Internships are not
going to be easy and internship in a bank will definitely be full of difficulties. Assignments
that you will be given in a bank will be tough to accomplish unless you give your 100%. But
the positive side of doing internship in a bank is that a bank builds you strong by mind and
ethically as it pushes you to situations where you have to be ethical and honest and also
pushes you to situations to see whether you endeavour your mind into work or not. These
situations may be tough to deal but once you learn to deal these situations you are ready to
enter into the job market.

Appendix: