Internship Report

On
“General Banking Activities of Export & Import Bank Limited
A special concern on Zinda Bazar Branch, Sylhet”

Submitted To:
Md. Alaul Haque
Senior Lecturer
Department of Business Administration
Metropolitan University

Prepared By
Ahmad Al Baher Chowdhury
ID: 143-116-014
Batch: 34th
Major in Accounting & Information Systems
Department of Business Administration
Metropolitan University

Date of submission: 18th January, 2020

 Letter of Transmittal

18th January, 2020

Md. Alaul Haque

Senior Lecturer
Department of Business Administration
Metropolitan University

Subject: Submission of Internship report.

Dear Sir,

It is my great pleasure and privilege to present the internship report titled “General Banking
Activities of Export & Import Bank Limited-A special concern on Zinda Bazar Branch,
Sylhet” which was assigned to me as a partial requirement for the competition of BBA program.
Although the preparation of the study wasn’t an easy task for me, I enjoyed the challenges and
tried to face the problems with patience. This study gave me a real life experience and opens my
eyes to the actual business environment. It helped me in gathering various aspects of knowledge
and increased observations power regarding a business and its regular operation.

I have provided my best effort to prepare this report. I hope my internship report will meet up
your expectation. However, if you need any clarification from any part of this report, please let
me know about it and I will try to make that understandable.

Thanking you in anticipation

Sincerely yours

…………………………
Ahmad Al Baher Chowdhury
ID: 143-116-014
Batch: 34th
Major in Accounting & Information Systems
Department of Business Administration
Metropolitan University
 Supervisor’s Certificate

This is to certify that the internship report titled, “General Banking Activities of Export &

Import Bank Limited-A special concern on Zinda Bazar Branch, Sylhet” submitted to

Department of Business Administration, Sylhet International University, and Partial fulfillment

of the requirement for the degree of Bachelor of Business Administration (BBA) As far I know,

this report has not been submitted for the award of any other degree / diploma or other similar

title or prize and that the work has not been published in any Business of popular magazine.

I wish every success in his life.

................................
Md. Alaul Haque
Senior Lecturer
Department of Business Administration
Metropolitan University
 Declaration

Ahmad Al Baher Chowdhury is a student of Bachelor of Business Administration (BBA),

Sylhet Metropolitan University do here by that the internship report on, “General Banking
Activities of Export & Import Bank Limited-A special concern on Zinda Bazar Branch,
Sylhet” Which main discuss matter is Policies and Procedures of EXIM Bank Ltd. It is persuade
under the supervision of Md. Alaul Haque (Internship Supervisor) Metropolitan University.

…………………………..........
Ahmad Al Baher Chowdhury

ID: 143-116-014

Batch: 34th

Major in Accounting & Information Systems

Department of Business Administration

Metropolitan University
 Acknowledgement
All praise goes to Almighty Allah who has given me the opportunity to do this report on
“General Banking Activities of Export & Import Bank Limited-A special concern on Zinda
Bazar Branch, Sylhet” It is a great pleasure for me to express my sincere appreciation to the
Department of business Administration, Sylhet Metropolitan University (MU) for giving me the
opportunity to do this report. I also want to thank Mr. Md junel Hussain Chowdhury, FAVP&
Branch Manager of Zinda Bazar Branch, Sylhet. Under whom I did my internship. I also thank
Mr. luthfur Rahman, Operation Manager and others officers and employee of EXIM Bank
Ltd Zindabazar branch, who time to time helped me to do my work. Without the help and
support of them, this report might never see.

I am very much indebted to my supervisor Md. Alaul Haque, Senior Lecturer, Metropolitan
University for giving me direction at different times to prepare this report. It is his guided
supervision that resulted in successful completion and timely submission of the report.
 Executive Summary
In the age of modern civilization bank is playing its splendid role to keep to the economic
development wheel moving. The cooperation of the bank is needed in every economic activity.
In this report, the focus was on General Banking Activities of EXIM Bank Limited. That is
following by the bank. The main part of the report will cover the details of decision making
process of EXIM bank ltd and the financial modules they rely on.
To prepare the report both primary and secondary data sources has been used. It’s been a journey
to discover that the development of a Bangladeshi bank, that how unwavering they are in this
competitive business market and achieving their goals and objectives by their activities.
Sometimes it was not possible to get the information from the primary sources. In these cases
important papers, minutes, reports, lectures of other staffs have covered the requirements for
specified components.
Several types of methodologies ware used to prepare the report. To make the report effective it
was necessary to go through the details of general banking procedures of EXIM bank their
practical operation, decision making process, risk management, financial statements of several
years and some analysis of financial statements. The functions of the bank cover a wide range of
banking and functional activities to individuals, firms, corporate bodies and other multinational
agencies.
Based on the overall gathered knowledge and conducted analysis, a wide variety of
recommendations has been proposed to conclude the report.
 Table of Contents

S.L Contents Page

Chapter One
1 Introduction
01 – 05
1.1 Introduction: 02
1.2 Background of the Report: 02
1.3 Objectives of the Report: 03
1.3.1 General Objective: 03
1.3.2 Specific Objective: 03
1.4 Scope of the Report: 03
1.5 Origin of the Study: 03
1.6 Methodology of the Study: 03
1.6.1 The primary sources of data: 04
1.6.2 The secondary sources of data: 04
1.7 Limitations of the Study: 04 – 05
Chapter Two
2 Overview of Banking Industry
06 – 17

2.1 Overview of Banking Industry: The Industry Basics 07

2.2 The Law of Banking: 07
2.3 Types of Banks: Commercial & Investment Banking: 08
2.4 Business Model: Customer Profile 08
2.5 Current Industry Trends: 09
2.6 History of Banking in Bangladesh: 09 – 10
2.7 Types of Banks in Bangladesh: 10
2.7.1 Scheduled Bank 10 – 11
2.7.2 Non-scheduled Bank 11
2.8 List of Banks in Bangladesh: 12 – 15
2.9 Function of Commercial Bank 15
2.10 Islamic Banking 16
2.11 Problems of Banking Sector of Bangladesh: 16 – 17
Chapter Three
3 Overview OF EXIM Bank of Bangladesh Limited
18 – 24

3.1 Background of the Bank: 19

3.2 Vision of EXIM Bank Limited: 19
3.3 Mission of EXIM Bank Limited: 19 – 20
3.4 Corporate Culture: 20
3.5 Prime Operational Area: 20
3.6 Products & Services of EXIM Bank Limited: 21
3.7 Social Commitment: 21
3.8 Achievements: 21 – 22
 3.9 Management Profile and Divisions: 22
3.10 Human Resource Practices in EXIM Bank Limited: 22
3.11 Shariah Board: 22
3.12 Shariah Council: 23
3.13 Corporate Information: 23
3.14 Deposit: 24
Chapter Four
4 General Banking Activities of EXIM Bank Limited
25 – 34
4.1 General Banking: 26
4.2 Components of General Banking: 26
4.3 The Procedure of opening account: 26 – 27
4.4 General requirement for opening MSD/MSTD account: 27 – 28
4.5 Various Types of Deposit Account: 28 – 29
4.5.1 MSD (Mudaraba Saving Deposit): 29
4.5.2 MTDR (Mudaraba Term Deposit Receipt): 29 – 30
4.5.3 Mudaraba Monthly Savings Scheme (MMSS): 30
4.5.4 EXIM Monthly Hajj Deposit: 31
4.6 Issuance of Cheque Book: 31 – 32
4.7 Clearing Section: 32 – 33
4.7.1 Types of Clearing: 33 – 34
4.8 Remittance Section: 34
Chapter Five
5 AIS Practice of EXIM Bank Ltd
35 – 39
5.1 Accounting Information System of EXIM Bank 36
5.2 Characteristics of useful Information   36
5.3 Component of Accounting Information System (AIS) 37
5.4 Principles of AIS 37 – 38
5.5 Operational System of AIS in EXIM Banking Ltd. 38 – 39
Chapter Six
6 40 – 43
Description of the Tasks Completed during Internship
6.1 My experience in EXIM Bank Limited: 41 – 43
6.2 Importance of Internship: 43
Application knowledge gained during BBA program to
7 44 – 46
accomplish each task
Knowledge gained during BBA program to accomplish each
7.1 45 – 46
task:
Chapter Seven
8 Findings, Recommendation & Conclusion
8.1 Findings 48
8.2 Recommendations 49
8.3 Conclusion 50 – 51
Bibliography 52