Cards Operations of NBL - An Overview of Kartikpur Branch by Sanaullah

INTERNSHIP REPORT
ON
Cards Operations of National Bank Limited:
An overview of Kartikpur Branch
Supervised By:
Md. Mohinuddin
Lecturer (Finance)
Department of Business Administration
Z. H. Sikder University of Science & Technology
Prepared By:
Md. Sana Ullah Nur Mishowry
ID: ………….
Batch: 12th
Major: Finance
Date of Submission: 5th January 2020

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Cards Operations of National Bank Limited: An overview of Kartikpur Branch
LETTER OF TRANSMITTAL
5th January 2020

Md. Mohiuddin
Lecturer (Finance)
Subject: Submission of Internship Report.
Sir,
It is a great pleasure and privilege to submit the internship report on Cards Operations of
National Bank Limited: an overview of Kartikpur Branch which was assigned to me as a
partial requirement for the completion of my BBA Program. Throughout the study, I have
tried with the best of my capacity to accommodate as much information and relevant issues
as possible and tried to follow the instructions as you have suggested. I tried my best to make
this report as much informative as possible.
I am grateful to you for your guidance and kind co-operation at every step of my endeavor on
this report. I shall remain deeply grateful, if you kindly put some effort to go through the
report and evaluate my performance. All of my efforts will be successful if the report can
serve its purpose.
Sincerely yours,
………………………………….
ID: …………………..
Batch: 12th
Major: Finance
Z. H. Sikder University of Science &Technology
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SUPPERVISOR CERTIFICATE
This is to certify that the Internship Report on Cards Operations of National Bank Limited:
An overview of Kartikpur Branch is prepared by Md. Sana Ullah Nur Mishowry, a student of
the Business Administration department, ID No. …………… (Major Finance) of Z. H.
Sikder University of Science & Technology as a fundamental part of Bachelor of Business
Administration (BBA) program from the department of Business Administration of Z. H.
Sikder University of Science and Technology, under my direct supervision. He is dutiful and
amiable. I wish his success at every step of life.
I recommended this Report for submission of the department of Business Administration, Z.

H. Sikder University of Science & Technology.
This report is accepted as a constructive work and significant part of the whole program and
from as directed by the University authority.
…………………
Md. Mohiuddin
Lecturer (Finance)
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DECLARATION
I am Md. Sana Ullah Nur Mishowry hereby declare that presented in this report of
internship titled Cards Operations of National Bank Limited: An Overview of Kartikpur
Branch is not a copy from another person’s report. This study is original in nature, unique
and prepared by me. I have tried my level best to make this report as informative as possible.
I also ensure that, this report is my original work and prepared only for my academic
requirement, not for any other purposes. This report has not been submitted to any other
person earlier and will not be submitted to anybody in the future.
………………………………………
ID: …………………
Batch: 12th
Major: Finance
Z. H. Sikder University of Science &Technology
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ACKNOWLEDGEMENT
The successful accomplishment of this report is the outcome of the contribution of number of
people, especially those who have given the time and effort to share their thoughts and
suggestions to improve the report. At the very beginning, I would like to express my deepest
gratitude to God for giving me the patience and strength to finish this report within the
schedule time and doing the whole internship program.
I would like to express my gratefulness and appreciation to my respected academic

supervisor, Md. Mohiuddin, Lecturer (Finance), Department of Business Administration of
Z. H. Sikder University of Science & Technology, for providing me all the guidance,
feedback, technical advice and support that I needed mostly. His dynamic guidance at all
stages of work encouraged me to accomplish my work successfully. This was really a good
way of learning and I really appreciate his efforts towards giving me proper line directions to
complete this report. Without whom I could not come to this end.
I also express my warm gratitude cordial thanks to my onsite supervisor Md. Abu Sayeed
Dipak, Manager, National Bank Limited, Kartikpur Branch, Nuruzzaman, First Executive
Officer, National Bank Limited, Kartikpur Branch and to the management and officials of
National Bank Limited, Kartikpur Branch who have given me the opportunity to work with
them and helped a lot by providing the information and enabling me to prepare this report. I
have received their generous help and support.
Due to bank secrecy, this report is failed to cover all about. In preparing this report there may
have some mistakes and I apologize for the mistakes if any in this report.

ID: …………
Batch: 12th
Major: Finance
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Executive Summary
As a part of academic requirement and completion of BBA program, I have been assigned to
complete internship report on Cards Operations of National Bank: An overview of
Kartikpur Branch. under the guidance of , Md. Mohiuddin, Lecturer (Finance),
Department of Business Administration, Z. H. Sikder University of Science & Technology. I
have divided this report into several sub sections. As a young intern in a bank like National
Bank Limited, I have tried my paramount best to know their Foreign Remittance Activities
within little term of three months.
From results of the study, I can see that during the last few years, numbers of clients of
National Bank Ltd (Kartikpur Branch) has grown rapidly, which indicates that the bank has
been successful to attract clients. But there are certain factors that the bank management
should look at. Customers are not much happy with the service, sometimes bank can`t
provide the services in short times for their server problem, its irritating the clients. Most of
the respondents think that the security facilities are not adequate enough to provide efficient
services.
Here I have talked about the overall views the National Bank Limited (Kartikpur Branch).
The report starts with a general introduction Company Background, Board of Directors,
mission, vision, objectives, Organizational structure & information of Kartikpur Branch.
In the next part, of this report that consisted with brief Introduction of Cards operations, Five
years progression of NBL, NBL cards market status analysis, SWOT Analysis.
In the last part of this report, I mention findings and recommendation and conclusion about
Cards Operations of National Bank Limited at Kartikpur Branch.
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Table of Contents
Chapter Topic Name Page number

Letter Of Transmittal 2
Supervisor’s Certificate 3
NBL Certificate 4
Declaration 5
Acknowledgement 6
Executive Summary 7
Chapter: 1 Introduction 9-12
Introduction of the report
Origin of the Report
Objective of the Report
Scope of the Report
Methodology of the study
Limitations of the report
Chapter: 2 Overview of National Bank Limited 13-18
History of NBL
Vision of NBL
Mission of NBL
Objectives of NBL
Profile of NBL
Organizational Structure of NBL
Board of Directors of NBL
Chapter: 3 Implications 19-20
Implications to Organization
Implication to University’s Internship Program
Chapter: 4 Cards Operations 21-36
History of Card Business
Cards Operations in Bangladesh
Bangladesh Card: Major Issuers
Bangladesh Credit Card: Essential Considerations
NBL card Business
Type of NBL card
Debit Card
Debit Features
Debit card Fees & charge
Credit Card
Types of Credit Cards
Privileges of NBL Card
Card Product
Cards Operations of NBL
Category wise Required Documents for Credit Card Application
Require document for Credit Card
Maintenance
NBL Structure
Credit card application flow
Transaction Processing
Chapter: 5 Five years progression of NBL 36
Income Statement
Balance Sheet
Market Capitalization
Chapter: 6 A Project on NBL cards market status analysis 37-51
Questionnaires Questions for Customer
Questionnaires Questions for Employees
Chapter: 7 SWOT Analysis, Findings, Recommendation and Conclusions 52-57
SWOT Analysis of NBL
Findings
Recommendation
Conclusions
References
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Chapter 1: INTRODUCTION
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1.1 Introduction of the report:
National Bank Limited has its prosperous past, glorious present, prospective future and under
processing projects and activities. Established as the first private sector bank fully owned by
Bangladeshi entrepreneurs, NBL has been flourishing as the largest private sector Bank with
the passage of time after facing many stress and strain. The members of the board of directors
are creative businessmen and leading industrialists of the country.
Credit is a method of selling goods or services without the buyer having cash in hand. An
ATM card is only an automatic way of offering credit to a consumer. Today, every credit
card carries an identifying number that speeds shopping transactions. Imagine what a credit
purchase would be like without it, the sales person would have to record your identity, billing
address, and terms of repayment.
I am an internee of National Bank ltd. I have been working at cards operation department for
the last three month. So that’s why I have selected my internship report on cards operation.
National Bank ltd has been operating their cards activities by various departments like
Settlement, New Accounts, Maintenance, Transaction processing, Dispute etc. In the main
part of this report I will disclose how different wings operating their activities.
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1.2 Origin of the Report:
The internship report is a basic course requirement of the BBA Program of Z. H. Sikder
University of Science & Technology. This program has been designed for the students to
provide basic theoretical and practical knowledge in the job activities in the context of
Bangladesh as well as worldwide.
This report has been prepared on practical orientation. As such, I have worked on my
interested business sector and my intern paper focuses on “Cards Operations of National
Bank Ltd, An overview Kartikpur Branch”
1.3 Objective of the Report:
The main objective of the internship program is to formalize me with the real market
situation and help me learn how bookish concepts are used in the real market.
Broad Objective
• To know the card business of National Bank Limited.

Specific Objective
• To draw an overall view of the credit card market in Bangladesh and then identify the
prospects of NBL in Cards Business.
• To find out how NBL is operating their operational activities in cards industry.
• To Identify and focuses the problems of Card Management System of National Bank
Limited.
• To develop knowledge and a clear understanding about Card Business of National
Bank Limited.
1.4 Scope of the Report:
The report limits its scope to National Bank Cards Division only and some other operational
activities of cards sector of other bank in Bangladesh.
1.5 Methodology of the study:
This report is mainly based on primary data. As an employee of National Bank Ltd I have
observed most of the procedures how our Bank is operating their activities in cards market.
Besides I have observed how cards business is operating in our country. So, to achieve my
objective I have used both primary and secondary data.
1.5.1 Primary Source:
I have collected Primary data from different wings of Cards operations in NBL like
Settlement, New Accounts, Maintenance, Transaction processing department. As an
employee of NBL, I have already gathered information from these departments.
1.5.2 Secondary source:
The secondary data is collected from the MIS of NBL. To clarify different conceptual
matters Internet, different articles published in the journals & magazines are used in
this report. Basically secondary sources will be used to clarify the overall cards
business in Bangladesh.
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1.6 Limitations of the report:
Although I have got the full co-operation from employees, clients & officers of NBL and they
also gave me much time to prepare this report properly in the way of my study, I have faced
some difficulties, which made my conduction of the program little hazardous as for example
some restrictions in Bank policy does not allow disclosing some data and information.
Information at the bank is confidential & critical. For this reason I have not shown any figure
regarding the issuance of cards. Besides this, time is another constraint of this report. By
conducting this report I have found that there are a number of credit cardholders who do not
give the money to the bank after finishing the card limit. In this case, the banks have to fall in
troubles. There are some people who try to take illegal advantage over credit cards. These are
the limitations of the study. It is expected that credit cards will be used in a fair way in our
country and credit cardholders having ill motive should be prosecuted to check the
malpractice.
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Chapter 2: Overview of National Bank Limited
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2.1 HISTORY OF NATIONAL BANK LIMITED
National Bank Limited has its prosperous past, glorious present, prospective future and under
processing projects and activities. Established as the first private sector bank fully owned by
Bangladeshi entrepreneurs, NBL has been flourishing as the largest private sector Bank with
the passage of time after facing many stress and strain. The members of the board of directors
are creative businessmen and leading industrialists of the country. To keep pace with time
and in harmony with national and international economic activities and for rendering all
modern services, NBL, as a financial institution, automated all its branches with computer
networks in accordance with the competitive commercial demand of time. Moreover,
considering its forth-coming future, the infrastructure of the Bank has been rearranging. The
expectation of all class businessmen, entrepreneurs, and the general public is much more to
NBL. At present, we have 204 branches.
NBL was also the first among domestic banks to introduce international Master Card in
Bangladesh. In the meantime, NBL has also introduced the Visa Card and Power Card. The
Bank has in its use the latest information technology services of SWIFT and REUTERS.
NBL has been continuing its small credit program for disbursement of collateral free
agricultural loans among the poor farmers of Barindra area in Rajshahi district for improving
their livelihood.
NBL focused on all key areas covering capital adequacy, maintaining good asset quality,
sound management, satisfactory earnings, and liquidity. As a consequence, it was possible to
a record growth of 175.51 percent with Tk. 8,809.40 million pre-tax profit in the year under
review over the preceding year. The net profit after tax and provision stood at Tk. 6,860.34
million which was Tk. 2,070.47 million in the previous year registering a 231.34 percent rise.
The total deposits increased to Tk. 102,471.83 million being 33.37 percent increase over the
preceding year. Loans and advances stood at Tk.92,003.56 million in the year under report
which was Tk. 65,129.289 million representing 41.26 percent rise over the preceding year.
Foreign trade stood at Tk. 144,255.00 million in 2010 compared to Tk. 115,939.00 million,
increased by 24.42 percent compared to that of the previous year. During 2010, the bank
handled inward remittance of Tk. 49,145.30 million, 10.73 percent higher than that of the
previous year. Return on Equity (ROE) registered a 77.84 percent rise over the preceding
year.
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2. 2 VISION OF NATINAL BANKL LIMITED
Ensuring highest standard of clientele services through best application of latest information
technology, making due contribution to the national economy and establishing ourselves
firmly at home and abroad as a front ranking bank of the country are cherished vision.
2.3 MISSION OF NATIONAL BANK LIMITED

Efforts for expansion of activities at home and abroad by adding new dimensions to banking
services are being continued unabated. Alongside, National Bank Limited is also putting
highest priority in ensuring transparency, account ability, improved client service as well as
to commitment to serve the society through which want to get closer and closer to the people
of all strata. Winning an everlasting seat in the hearts of the people as a caring companion in
uplifting the national economic standard through continuous up gradation and diversification
of their clientele services in line with national and international requirements is the desired
goal want to reach.
2.4 OBJECTIVE OF NATIONAL BANK LIMITED

NBL is always ready to maintain the highest quality of services by upgrading banking
technology prudence in manager by applying high standard of business ethics through its
establish commitment and heritage. Objective of a private institution like NBL is to maximize
profit through optimum utilization of resources by providing best customers services. Other
objectives are as follows:
• Bring modern banking facilities to the doorsteps of general public through

diversification of services, thereby arousing saving propensity among the people.
• Foreign a cordial, deep rooted and farm banker customer relationship by dispensing
prompt and improved clientele services.
• Taking part in the development of the national economy through productive
development of the banks resources as well as patronizing different social activities.
• Connecting clients to modern banking practices by the best application of improved
information technology, so that they get encouraged to continue and feel proud of
banking with National Bank Limited.
Ensuring highest use of the professional workforce through enhancement of their attitude and
competence.
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2.4 PROFILE OF NATIONAL BANK LIMITED
Name of the Company National Bank Limited
Date of Registration 15 March, 1983
Opening Ceremony 23 March, 1983
Founder of Chairman Zainul Haque Sikder
Number of Branch 204
Nature of Business Commercial Banking
Head Office
Registered Office 18, Dilkusha Commercial Area
Dhaka-1000
Bangladesh.
Services provided Deposit Scheme, Credit Facility and
Foreign Exchange Service
Telephone No. 716872931,95508235,95630815,9550897
Fax No. +880-2-956-3953, 966-9404
SWIFT Code NBLBBDDH
E-mail hrd@nblbd.com
Web Page www.nblbd.com
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2.5 ORGANIZATIONAL STRUCTURE OF NATIONAL BANK LIMITED
Chairman
Vice Chairman
Board of Directors
Managing Director
Deputy Managing
Director
Senior Executive Vice
President
Executive Vice President
Senior Vice President
Vice President
Senior Assistant Vice

President
Assistant Vice
President
Senior Executive
Officer
Executive Officer
Principal Officer
Management Trainee
Officer
Junior Officer
Assistant Trainee Officer
Figure: Organizational Structure of NBL
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2.6 BOARD OF DIRECTORS OF NATIONAL BANK LIMITED
Mr. Zainul Haque Sikder

(Chairman)
Mrs. Monowara Sikder Ms. Parveen Haque Alhaj Khalilur Rahman

(Director) Sikder (Director) (Director)
Mr. Moazzam Hossain Mr. Rick Haque Sikder Mr. Ron Haque Sikder
(Director) (Director) (Director)
Mr. Zakaria Taher Mr. Mabroor Hossain Mr. Jonas Sikder Khan
(Director) (Director) (Director)
Mr. Md. Mahbubur Sikder Insurance Mr. Choudhury Moshtaq

Rahman Khan Company Ltd. Ahmed
(Represented by Mr. Md.
(Independent Director) Badiul Alam) Director (Managing Director)
Figure: Board of Directors of NBL
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Chapter 3: Implications
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3.1 Implications to Organization
3.1.1 Values of NBL:
• Openness
• Trust
• Commitment
• Integrity
• Service excellence
• Responsible Corporate Citizen
3.1.2 Strategic Planning of NBL:
• Further improvement of asset quality
• Further change in deposit mix to increase pie of low cost deposits
• To become cost efficient organization
• Moderate growth in conventional products
• Careful presentation in the capital market
• Increased and focused Corporate Social Responsibility (CSR)
• Increase shareholders’ value
3.2 Implication to University’s Internship Program

From the angle of the strategic management course the National Bank Limited is having
competitive advantages over other banks in the card industry as well as bank industry also.
We know that there are four building blocks of competitive advantages. They are as follows:
• Efficiency
• Quality
• Innovation (Research & Development)
• Customer Responsiveness
In these 4 factors NBL is quite ahead in respect with other banks what gave it the competitive
advantages.
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Chapter 4: CARDS OPERATIONS
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4.1 History of Card Business
The use of Plastic Money originated in the United States during the 1920s, when individual
companies, such as hotel chains and oil companies, began issuing them to customers for
purchases made at those businesses. This use increased significantly after World war II. In
1951, Diners Club issued the first Charge Card to 200 customers who could use it at 27
restaurants in New York. Another major Charge Card was established in 1958 as the
American Express Card by the American Express company. The first Credit Card
“BankAmericard” was issued by Bank of America in late 1958 in California, USA. This
System was licensed in other states starting in 1966, and was renamed as VISA in 1976. At
the same time, three different groups of banks that were not franchisees of Bank of America
began activities that would later merge to become today’s MasterCard International. In 1978
the MasterCard International and VISA International organizations agreed to a concept of
duality, in other words, banks could honor and issue both Credit Cards.
4.2 Cards Operations in Bangladesh:
Today carrying cash money is riskier as well as carrying more money is a boring practice. To
avoid this many tools is used like payment order, demand draft and bank draft. But these have
many limitations. To overcome these limitations credit & debit card has introduced. In this
paper we will discuss the credit card operations in Bangladesh. The Bangladesh credit card
industry is gradually evolving, with most banks in the nation offering credit card services to
eligible customers. Credit cards are the primary mode of transactions is different in case of
different banks. The features of credit card and its facilities also vary bank to bank.
4.3 Bangladesh Card: Major Issuers:
• AB Bank Ltd.
• Agrani Bank Ltd.
• Al-Arafa Islami Bank Ltd.
• Bank Asia Limited
• Dutch-Bangla Bank Ltd.
• Eastern Bank Limited
• Grameen Bank Ltd.
• HSBC Bangladesh Ltd.
• Janata Bank Ltd.
• Mercantile Bank Ltd.
• Mutual Trust Bank Ltd.
• National Bank Ltd.
• Prime Bank Ltd.
• Standard Chartered Bank Ltd.
• United Commercial Bank Ltd.
• Uttara Bank Ltd.
• VANIK Bank Ltd.
• World Bank-BD Ltd.
Today’s market is a competitive one. All banks are trying to sustain in the market for a
long time by offering competitive advantages to the customers. From my point of view as
an internee our main competitors are mainly Dutch-Bangla Bank Limited, Standard
Chartered Bank Ltd., Brac Bank Ltd., City Bank Ltd.. They also are doing their level best
in the competitive market.
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4.4 Bangladesh Credit Card: Essential Considerations:
In 2009, the Bangladeshi government withdrew the source tax applicable on credit card
usage. According to expert opinion, this step will provide an essential thrust to foreign
investment in the financial sector and will promote credit card transactions in the nation as
well.
An individual should consider the following points while applying for a Bangladesh credit
card:
• Universal acceptance: Look for a credit card that is globally acceptable. International
credit cards are particularly important for people who travel frequently to foreign
countries, such as businessmen, sportspersons, political figures and celebrities. There
are no extra charges for owning an international credit card.
• Rewards program: Most credit card issuers offer a range of reward programs, such
as air miles, cash back and shopping bonuses. Analyze your purchasing habits and
then select an appropriate rewards program.
• Annual fees: Look for a credit card with no annual fees. Mostly, standard and gold
credit cards do not attract an annual fee, unlike their premier versions.
• Interest rates: Research the market thoroughly for lower interest rates. Remember,
most banks write their annual percentage rate (APR) in per month figures.
4.5 NBL card Business

National Bank Limited introduced EMV Chip Visa Debit Card in 2016 to provide 24/7
Banking services to its nationwide large customer base provided by ATM facilities with
selective branches emphasizing customers’ demand and business importance.
National Bank Limited introduced Credit Card and Acquiring card transactions first ever
in Bangladesh in 1997 among the local banks as a principal member of MasterCard
International. Thereafter in 2003 National Bank Limited obtained principal membership
of Visa Worldwide and introduced Visa Credit Card in the country with Acquiring of
Visa card transaction.
4.6 Type of NBL card:

There are two types of card available in banking system.
They are
1. Debit Card
2. Credit Card
4.7 Debit Card

National Bank Limited introduced EMV Chip Visa Debit Card in 2016 to provide 24/7
Banking services to its nationwide large customer base provided by ATM facilities with
selective branches emphasizing customers’ demand and business importance.
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4.7.1 Debit card Features:
• EMV Chip Based Visa Card, most advanced technology for secure
• Enable for most secured Two Factor Authentication (2FA) on e-commerce
transactions through One-Time-Password.
• Can be used for 24/7 countrywide ATMs for anytime Cash Withdrawal at
nationwide ATMs bearing Visa, Q-cash & NPSB Log0.
• Can be used for anytime purchases/services at any merchant outlets, superstores,
hospitals, clinics, hotel & restaurants bearing Visa Logo POS Terminals.
• Real Time SMS Transaction alert
• Minimum Card Fee & No Hidden Charges
• 24x7 Call Centre for Customer Services
• Discount/Privileges at different merchant outlets
• Easy to obtain- once customer opens an account with any of NBL Branches, we
will issue a Debit Card upon request.
• No need of carrying cash or a cheque book.
4.7.1 DEBIT CARD FEES & CHARGES
Fees:
Type of Fee Classic Platinum
Annual/Renewal Fee Tk. 400 Tk. 400
Card Replacement/reissue Fee Tk. 300 Tk. 300
PIN Reissuance Fee Tk. 200 Tk. 300
SMS Notification Service Fee/year Tk. 200 Tk. 200
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Transactional Charges
Termina Cash Withdrawal Charge Balance Enquiry Mini Statement

l Type per Transaction Charge Charge
Charge VAT Total Charge VA Tota Charge VA Tota
s s T l s T l
ON US NIL NIL NIL NIL NIL NIL NIL NIL NIL
ATM
QCASH Tk.10 Tk.1.5 Tk.11.5 NIL NIL NIL NIL NIL NIL
ATM 0 0
NPSB Tk.15 NIL Tk.15 Tk. 5 NIL Tk. 5 Tk. 5 NIL Tk. 5
ATM
VISA Tk. 25 Tk. Tk. Not Possible Not Possible
ATM 3.75 28.75
POS No extra charge for POS purchase in any terminal
Purchase
4.8 Credit Card:

National Bank Limited introduced Credit Card and Acquiring card transactions first ever in
Bangladesh in 1997 among the local banks as a principal member of MasterCard
International. Thereafter in 2003 National Bank Limited obtained principal membership of
Visa Worldwide and introduced Visa Credit Card in the country with Acquiring of Visa card
transaction.
4.9 Types of Credit Cards:
Local cards:
• Gold local
• Silver Local
International cards:
• Gold Dual/International
• Silver Dual / International
Paltinum Cards:
• Paltinum DUAL
• Paltinum Local
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4.10 PRIPRIVILEGE OF NBL CARDS
For All NBL Card Holders:

• Life time Free Card
• Free Supplementary Card.
• No Hidden Cost.
• Lower Interest rate.
• Lower Fund Transfer Rate.
Special Privileges on NBL Platinum Credit Card:
• Free Access to BALAKA Executive Lounge at Hazrat Shahjalal International
Airport up to 02 companions at Free of Cost.
4.11 Card Product:
MasterCard VISA
Paltinum DUAL Gold DUAL
Paltinum Local Gold International
Gold DUAL Gold Local
Gold International Classic DUAL
Gold Local Classic International
Classic DUAL Classic Local
Classic International
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4.12 Cards Operations of NBL:
Different Departments or wings are involved in the operations of card in NBL.
• Settlement
• New Accounts
• Maintenance
• Transaction processing
• Customer Service
Sl Job Description Timeframe
Credit Card Related Works:
1 Approved CC file receiving from sales Daily
2 CFC conditions Checking of the received files Daily
3 Data key-in of the Credit Card Files Daily
4 Preparing Credit Card Photo & Signature Daily

5 Credit Limit & Product Type Check and Confirmation upon Daily
data key in
6 Create embossing File for new Credit Cards Daily
7 Preparing and sending work order for plastic production Daily
8 Preparing hard file of all done file for archiving permanently Daily
9 Signature Verification for Supplementary Credit Card Daily
10 Credit Card Hard Renewal Daily
11 Credit Card Replacement Daily
12 Credit Card Product type change Daily

13 Credit Card PIN Replacement Daily
14 Credit Card Soft Renewal Monthly
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Card Cheque Related Works:
1 Preparing MIS for Card Cheque requisition Daily

2 Sending Card Cheque requisition mail and forwarding letter to Daily
service delivery
Debit Card Related Works:
1 Preparing Debit Card Daily MIS Daily
2 Debit Card Fund Realization daily basis Daily
3 Updating MIS with Debit Card Fund Realization Daily

4 Segregating all fees done and undone file for data key in Daily
5 Data key in for the Debit Card Applications Daily
6 Create Embossing Files for new Debit Cards Daily
7 Preparing and sending work order for plastic production Daily
8 Debit Card Hard Renewal daily basis Daily
9 Debit Card Soft Renewal Monthly
Pre-paid card:
1 Data key-in for Prepaid Cards Daily
2 Checking necessary fields like name, category and conditions Daily

for Prepaid Cards
3 Prepare and send work order for plastic production Daily
SMS Alert Related Works:
1 Uploading, Editing and Deleting Mobile Numbers for SMS Daily

Alert service
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4.13 Category wise Required Documents for Credit Card Application
Pre-checking before application processing (Credit card):
• Approve and Decline Application comes from CFC

• Sales keep track of all approve and decline file.
• Sales call all approve customer for limit checking
• Then they forward those application forms to New Accounts Data Key In
• New Accounts Check the Following papers and documents before Key in System
a. Approval sheet
b. Tin certificate
c. Id documents (National ID)
d. Passport copy for dual card
e. Customers expected limit and approved Limit
f. Customers expected product and approved product
• Once everything check out done, all input able application then
placed for data key in.
• In Case any mandatory Document in missing in the application or
the CFC Condition is not fulfilled, the Application Form in then
sent back to Sales.
• New Accounts Updates the ‘Credit Card Application MIS” for the
received applications for Receive application Tracking and Card
Query
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Customer Segment Doc’s Required
Salaried (A/C Payee) a. Salary Certificate/Pay Slip
b. 3 Months Bank A/C Statement
c. Passport Copy/Photo ID/ National
ID
d. Personal TIN/IT-88
e. Photograph
Salaried (Cash Payee) a. Salary Certificate/Pay Slip
b. 6 Months Bank A/C Statement.
c. Passport Copy/Photo ID/ National
ID
d. Personal TIN/IT-88
e. Photograph
Self Employed Proprietorship a. 6 Months’ Bank A/C Statement
b. (Personal/Business)
c. Trade License
d. Passport Copy/Photo ID/ National
ID
e. Personal TIN/ IT-88
f. Photograph
Self Employed Partnership a. 6 Months Bank Statement
c. Trade License
d. Partnership Deed
e. Personal TIN / IT-88
f. Photo ID/Passport Copy/National
ID
g. Photograph
Self Employed - Limited Company a. 6 Months Bank Statement
c. Memorandum of Association
d. Personal TIN/ IT-88
e. Photo ID/Passport Copy/National
ID
f. Photograph
30
4.14 REQUIRED DOCUMENTS for Credit Card
Commonly required documents:
• 02 Copy P.P. Size Photograph of Applicant
• Copy of NID
• Copy of e-TIN Certificate
• CIB Undertaking as per prescribed format
• Updated Cheque
• Self PG (Personal Guarantee) as per prescribed format.
• Spouse/Relative’s PG (Personal Guarantee) as per prescribed format.*
• Copy of Guarantor’s NID
• 02 Copy P.P. Size Photograph of Guarantor
• Utility Bills Copy (Titas/WASA etc.)
• Any other required documents as per Banks & BB Policy.
Additional Papers based on Cardholder Profession:

Salaried Person:
• Office ID Photocopy
• Salary Certificate
• Bank Statement (Last 03 months)
Businessman:
• Copy of Trade License
• Bank Statement (Last six months)

• Income Statement & Balance Sheet
• Copy of Memorandum of Article of Association & Certificate of Incorporation (in
case of Ltd. company)
• Corporate Guarantee (in case of Ltd. company)
• Board Resolution on ERQ Card with Lien Request
31
4.15 Maintenance
Maintenance wing of Cards Operation is solely responsible for maintaining Cards Accounts
for both Credit card and Debit card and modification or update of customer’s static or
variable information including financial information. It receives the customer instruction
through Card Customer Service wing with a proper MIS, limit related update from CFC or
account related update from Collection unit.
Major Responsibilities:
Credit Card
Address change Collection Issue
Phone Number change Closure (LIEN & General)
SMS Alert Add or Cancel (card system) Reversal & CMS adjustment
SI enrollment and de-enrollment Supply card limit update
Travel Quota Endorsement CMS payment updated
Limit Enhancement, DL conversion and Calendar limit upgrade/downgrade for

SMS sending of enhanced limit card cheque
Limit Conversion HR Issue
RAP enrollment and de-enrollment
Debit Card
Address change Account tag/untag
Phone Number change DC closure
DC Replacement (CARD/PIN) issue (photo update)
32
4.16 There are mainly 10 types of transactions in respect to issuing and
acquiring aspect. Namely;
1. On Us – ATM
2. On Us – POS
3. Off Us – ATM – Issuing
4. Off Us – ATM – Acquiring
5. Off Us – POS – Issuing
6. Off Us – POS – Acquiring
7. Remote On Us – ATM – Issuing
8. Remote On Us – ATM – Acquiring
9. Remote On Us – POS – Issuing
10. Remote On Us – POS – Acquiring
Different type of Transactions Example
Transactions ATM Card
1 On Us NBL NBL Card
2 Off Us – Issuing VISA NBL Card

ATM
3 Off Us – NBL Other Bank
Acquiring
Q Cash, Other
4 Remote On Us Bank NBL Card
ATM/POS
33
4. 17 NBL Structure
Fig: Data Flow Process through RTPS
34
35
4.18 Transaction Processing
Transaction processing team updates and monitors all payments related issues; also ensure
statement generation and standing instruction execution issues on time
SL Task Description
No
Update Processing
1 Processing date change in Card Management System
Date (CMS)
Generating P files (for Credit card, Life Style Card,
2 Payment Process
Travel Card) and process them in CMS.
Checking all previous day credit card payments which

3 Exception Payment
are not updated in CMS for different reason. Also update
them in card system.
W-file/L-file/E-file
4 We upload W-file/L-file/E-file in CMS.
upload in CMS
We provide authorization for each and every Card

5 Card Cheque
Cheque Transaction through RTPS and process them
Authorization
in EBL Credit Cards System
We make a batch of all card Cheque cleared on a
6 Card Cheque Upload
present day and process them in RTPS.
Credit Card
7 We prepare this report on Weekly Basis
outstanding Reporting
8 WSF Reporting We prepare this report on Weekly Basis
9 Billing cycle running We run billing cycle for credit card every month
10 RAP Charge We have to charge Risk Assurance Fee every month in

CMS.
11 Running SI We run standing instruction for credit card on Due date.
12 AIF Reporting We prepare this report on monthly Basis
RAP Reporting To
13 We prepare this report on monthly Basis
ALICO
36
Chapter 5: FIVE-YEAR PROGRESSION OF NBL
37
5.1 Income Statement:
(Taka in
million)
2014 2015 2016 2017 2018
Interest Income 20,621.01 19,504.69 18,947.93 22,546.17 28,150.08
Interest Expenses 16,511.70 16,571.69 14,872.88 16,107.01 21,051.42
Non-Interest Income 8,406.29 10,143.66 12,235.92 9,606.41 8,618.89
Non-Interest Expenses 5,793.21 4,816.51 5,557.84 5,779.71 6,498.37
Profit before Tax and 6,722.39 8,260.14 10,753.13 10,265.87 9,219.18
Provision
Profit after Tax 9,219.18 3,854.03 5,567.87 4,696.01 4,100.31
5.2 Balance Sheet:
2014 2015 2016 2017 2018
Authorized Capital 17,500.00 17,500.00 30,000.00 30,000.00 30,000.00

Paid-up Capital 15,615.64 17,177.20 19,753.78 23,704.53 26,549.08
Reserve Fund & Surplus 11,348.31 16,380.76 16,449.09 16,666.29 18,260.27
Total Shareholders' Equity 26,963.95 33,557.96 36,202.87 40,370.82 44,809.35
Deposits 203,296.18 222,112.91 241,329.8 272,771.3 315,206.03

8 2
Loans and Advances 172,964.72 186,179.45 209,929.0 248,467.1 314,507.26
7 5
Investments 54,885.52 59,658.52 60,665.88 60,338.45 57,869.85
Fixed Assets (including non 3,099.34 3,084.08 3,501.52 3,217.85 2,780.98

banking assets)
Total Assets 256,537.46 281,569.21 305,616.7 350,760.8 407,227.40
6 3
Off Balance Sheet 63,525.84 51,470.56 46,987.50 56,641.57 52,836.83
Exposure
38
5.3 Market Capitalization
2014 2015 2016 2017 2018

Market Price Per Share (Taka) 11.40 9.40 10.20 13.00 9.50
Price Earning Ratio (Times) 7.35 4.82 3.62 7.34 6.17
Net Assets Value Per Share 17.27 19.54 18.33 17.03 16.88
(Taka)
Market Price Per Share (Taka)

Market Price Per Share (Taka)
13
11.4
10.2
9.4 9.5
2014 2015 2016 2017 2018
39
Chapter 6: A Project on NBL cards market status analysis
40
To find out the NBL current market status I had to go through a qualitative market analysis
by asking questions to the stake holders of the NBL cards. By asking different dimensional
questions and reviewing those I got an idea about the current status of NBL cards other than
the market competitors. I asked different segments of peoples to get my answers.
Segments of targeted people:
• Common customers
• Priority customers
• Executive e
• employee
• Manager employee
6.1 Questionnaires Questions for Customers:
1. Which bank’s name comes first when you think about Debit, Credit& Prepaid cards?
2. Have you heard about NBL cards?
3. Do you use any ATM cards?
4. If yes then which bank’s ATM card?
5. Are you satisfied with your cards services and features?
6. Which service and features attracts you more?
7. Which service is worst to you?
8. Which one you want from your cards?
9. Have you any Suggestion specifically at one point of development?
10. What do you think that which bank’s card is best in the market?
41
1. Which bank’s name comes first when you think about Debit, Credit& Prepaid cards?
I. SCB
II. UCBL
III. Brac Bank
IV. NBL
I. SCB II. UCBL

Thinking about Debit, Credit& Prepaid cards?
0% 10%
Brac III. Brac
SCB UCBL NBL Bank
Bank
IV. NBL 10%
0 1 1 8 80%
0% 10% 10% 80%

Table: Thinking about Debit, Credit& Prepaid
cards
Figure: Thinking about Debit, Credit&
Prepaid cards
Interpretation:
SCB 0%, UCBL 10%, Brac Bank 10%, NBL 80%
2. Have you heard about NBL cards?
I. Yes
II. No
Have you heard about NBL cards? II. No

0%
Yes No
10 0 I. Yes
100%
100% 0
Interpretation:
Figure: Hear about NBL cards
Yes 100% & No 0%
42
3. Do you use any ATM cards?
I. Yes
II. No
Do you use any ATM cards?
Yes No
10 0
100% 0
Interpretation:
Figure: About using ATM card
Yes 100% & No 0%
4. If yes then which bank’s ATM card?
I. SCB
II. UCBL
III. Brac bank
IV. NBL
V. Other …..
If yes then which bank’s ATM card? VI. Other I. SCB II. UCBL
0% 0% 20%
SCB UCBL Brac NBL others III. Brac
Bank bank
IV. NBL 10%
0 2 1 7 0 70%
0% 20% 10% 70% 0%
Figure: Banks Card that customer own.

Interpretation:
SCB 0%, UCBL 20%, Brac Bank 10%, NBL 70% & others 0%
43
5. Are you satisfied with your cards services and features?
I. Yes
II. No
III. Moderate
Are you satisfied with your cards services III.

and features? Moderat
e I. Yes
Yes No Moderate 30% 40%
4 3 3 II. No
30%
40% 30% 30%
Interpretation:
Figure: feedback about card satisfaction
Yes 40%, No 30% & Moderate 30%
6. Which service and features attracts you more?

I. Reward, Loyalty point
II. Instant buy
III. Affiliate partner benefits
IV. Services charges
Which service and features attracts you IV. I.

more? Services Reward,
Reward, Instant Affiliate Services charges Loyalty
Loyalty buy partner charges 20% point
30%
point benefits
3 4 1 2 II.
Instant
III.
buy
30% 40% 10% 20% Affiliate
40%
partner
benefits
10%
Figure: feedback about features of card

Interpretation:
Reward, Loyalty point 30%, Instant buy 40%, Affiliate partner benefits 10% & Services
charges 20%
44
7. Which service is worst to you?
I. Hidden Charges
II. Customer services
III. Cards functional & technical services
IV. Interest charges
Which service is worst to you?

I. Hidden
Charges
Hidden Customer Cards Interest 30%
IV.
Charges services functional charges Interest
& charges
technical 40%
services
3 2 1 4
III. Cards II.
30% 20% 10% 40% functiona Customer
10% services
20%
Figure: worst service of card

Interpretation:
Hidden Charges 30%, Customer services 20%, Cards functional & technical services 10% &
Interest charges 40%
8. Which one you want from your cards?
I. More cheap
II. Best customer service
III. New product feature
IV. Others ………………………
Which one you want from your cards?

IV.
I. More
Others
cheap
More Best New Others 20%
30%
cheap customer product
service feature
3 4 1 2
III. New II. Best
30% 40% 10% 20% product customer
feature service
10% 40%
Interpretation:
Figure: Which one customer want from
More cheap 30%, Best customer service their card.
40%, New product feature 10%, Others 20%
45
I. Product development
II. Service development
III. Fees & charges reschedule
IV. Other………………………..
Have you any Suggestion specifically at one IV. I. II.

point of development? Other Product Service
10% develop develop
Product Service Fees& Ot ment ment
development developmen charges her 0% 20%
t reschedule
0 2 7 1
III. Fees
0% 20% 70% 10 70%
%
Figure: Customers suggestion to develop

Interpretation: card
Product development 0%, Service development 20%, Fees& charges reschedule 70%, others
10%
10. What do you think that which bank’s card is best in the market?
I. SCB
II. UCBL
III. NBL
IV. Others ………………………….
What do you think that which bank’s card is I. SCB II. UCBL
best in the market? 10% 0%
SCB UCBL NBL Others(DBL) III. NBL
IV. DBL 30%
1 0 3 6 60%
10% 0% 30% 60%
Interpretation: Figure: Best card in the market
SCB 10%, UCBL 10%, NBL 30%, DBL 60%
46
6.2 Questionnaires Questions for Employees:
1. How many card Offer from NBL?
2. Maximum card users …………………
3. Uses debit card?
4. Ratio to uses the debit card against total customer?
5. Can customer use debit card in E-commerce?
6. Can customers use debit card in foreign country?
7. How many categories in credit card offered by NBL?
8. Maximum customer of credit card in NBL Kartikpur Branch?
9. For taking credit card what is the minimum income to get credit card?
47
1. How many card Offer from NBL?
a. 2
b. 3
c. Others …………………
How many card Offer from NBL?

b.c.3 others
2 3 others 0% 0%
10 0 0
100% 0% 0% a. 2
100%
Interpretation:
Figure: card offer from NBL
a. 2 = 100% & b. 3=0% & C. Others 0%
2. Maximum card users …………………

b. Debit card =……………….
c. Credit card=………………
Maximum card users 1400

1200
1000
Debit card Credit card 800
600
Series1
400
200
1200 600 0
Debit card Credit
=………………. card=………………
Interpretation: Figure: Maximum card user

Debit Card=1200 & Credit card=600
48
3. From which account holder uses debit card?
d. Savings
e. Current
f. Others ………………….
From which account holder uses debit card? Savings b.

0% Current
0%
Savings Current Others
(Both)
Others
0 0 10 ……Both
100%
0% 0% 100%
Interpretation:
Figure: A/c holder of debit card
Savings 0%, Current 0% & Both 100%
4. Ratio to uses the debit card against total customer?

g. 1-10%
h. 11-20%
i. 21-30%
j. 31-40%
k. others
Ratio to uses the debit card against total

customer?
1-10% 11- 21- 31- others

20% 30% 40%
0 10 0 0 0
a. 1-10% b. 11-20% c. 21-30%
0% 100% 0% 0% 0%
d. 31-40% e. others…………
Figure: Ratio to uses the debit card against

Interpretation: total customer
a. 1-10%=0%, b. 11-20%=100%, c.31-40%=0% & d. Others=0%
49
5. Can customer use debit card in E-commerce?
a. Yes
b. No
Can customer use debit card in E-commerce? No

0%
Yes No
10 0 Yes
100%
100% 0%
Interpretation: Figure: About customer use debit

card in E-commerce
Yes=100% No=0%
6. Can customers use debit card in foreign country?

a. Yes
b. No
Can customers use debit card in foreign No

country? 0%
yes No
10 0 Yes
100%
100% 0%
Interpretation:
Figure: About customers use debit card in
Yes=100%, No=0% foreign country
50
7. How many Types in credit card offered by NBL?
l. 1
m. 2
n. 3
o. Others …………
How many Types in credit card offered by

NBL?
1 2 3 others
0 10 0 0
0% 100% 0% 0%
1 2 3 Others …………………..
Interpretation:
Figure: Types in credit card offered by
1=0%, 2=100%, 3=0%, others=0% NBL
8. Maximum customer of credit card in NBL Kartikpur Branch?

a. Service Holder=……………………….?
b. Business=………………………………?
c. Others= …………………………………..?
Maximum customer of credit card in NBL Service

Kartikpur Branch? Holder
20%
Service Business Others
Others
Holder 50%
Business
2 3 5 30%
20% 30% 50%
Interpretation:
Figure: Maximum customer of credit card
Service holder 20%, Business=30%, others=50%
51
9. For taking credit card what is the minimum income to get credit card?
a. For service ………………….?
b. For Business …………………?
c. Others …………………………..?
For taking credit card what is the minimum Service

income to get credit card? Holder,
20000tk
service Business Others Others,
50000tk
Business,
30000tk
20000/- 30000/- 50000/-
Interpretation:
Figure: Minimum income to get credit card
Service=20000/-, Business=30000/- & Others=50000/-

a. Product development
b. Service development
c. Fees & charges reschedule
d. Other………………………..
Have you any Suggestion specifically at one point Other Product

of development? 0% develop
ment
Product Service Fees & Other 30%
development development charges
reschedule
4 3 3 0
Fees &
charges Service
reschedu develop
40% 30% 30% 0%
le ment
30% 40%
Figure: Suggestion for Develop card

Interpretation:
Product development 40%, Service development 30%, Fees & charges reschedule 30%,
Others 0%.
52
Chapter 7: SWOT Analysis, Findings, Recommendation and
Conclusions
53
7.1 SWOT Analysis of NBL
7.1.1 Strengths:
• Fast online banking operations across all the branches.
• Authorized share capital increased to BDT 51,144.37 million.
• NBL listed with Dhaka and Chittagong stock exchange Ltd.
7.1.2 Weaknesses:
• Lack of Bank Branches and ATM Booths.
• Lower price of Stock market
• Lower growth rate.
7.1.3 Opportunities:
• Emerging economies.
• The credit Card Sector
7.1.4 Threats:
• Rival Banks are growing faster

• Better service of rival banks.
54
7.2 Findings:
In the competitive market it is always challenging for a bank to sustain in a good position.
NBL is trying to maximize its volume in card issues. In the last year it was the second highest
issuers of cards in the card market. In preparing this report there are some things that I have
got from my theoretical and analytical observation of the card center of NBL. Some official
restrictions I am not disclosing any type of figure or profit by card Division of NBL. Some
findings are discussed below:
• Lack of promotional activities.

• Fees and Charge are high than others.
• As other banks are giving the rewards point to the customer, NBL should also
maintain this.
• Customer services are not as good as a strong market challenger.
• Poor customer attraction tools are using to attract the customer.
55
7.3 RECOMMENDATION
National Bank Limited has been successful in all of its operation since its inception. It has
outperformed all its peer and competitor and peer banks in virtually all area of its activities.
Still there is scope for improvement for the bank and the any or all of the following could be
which National Bank Limited can implement to better its performance:
The specific and broad recommendations of the study are as follows:
• Marketing and promotional campaign should be conducted to popularize the

product and make people aware of the service.
• NBL should increase the customer services quality
• NBL should reschedule fees and charge
• The card delivery time should not be more than a week. But it should not be less
than 5 days. Because the possibility of incorrect assessment of the
creditworthiness of the applicants would be very high then. (recommendation
based on face to face conversation with the card holders while surveying)
• ATM facility is an advantage for the bank to provide ATM facility to its
cardholders. NBL should increase the number of its ATM booths
• The bonus point system can be followed. Waiver on interest charges and/or
renewal charges will strike into minds of the cardholders and they will be more
satisfied and encouraged to do more and more card transaction.
• Customers should be offered occasional gifts and discounts, which can make the
credit card more attractive and keep the consumer delighted.
• Regular customer survey could also be conducted with an aim to find out the
customer's expectations or to know about their satisfaction on bank's performance.
56
7.4 Conclusion:
From the analysis and findings of the study, it is obvious that there is a lot of market potential
for NBL in the Card Business and some areas of improvement are there also comparing to the
existing issuers in the market. It is expected that Bangladesh will experience a heavy inflow
of foreign companies investing in various sectors especially in IT and Gas and Oil
Exploration and processing. This will give birth to various ancillary industries and services,
which will ultimately increase the purchasing power of people. This factor enhances the
chance of an upcoming growing population of the community who wants convenience of not
carrying cash and the use credit card is the easiest way of doing so.
Being a passive leader, i understand the drawback of not involving actively in the
organization. But as a customer, i observed the trends and culture from its prevailing
environment. We put lot of effort to find out, why and how they brought the changes in the
system and what are the impacts of the changes on society and on the organization. Being a
leader, we evaluated these changes and drawn a conclusion of its advantages and
disadvantages.
57
References:
1. NBL_Annual_Report_2018
2. Daily Affairs, Report.
3. Different Types of Form of NBL cards manual.
4. Credit cards operations guide of Bangladesh Bank.
5. Prospectus of National Bank Limited
Web Site:
1. http://dspace.bracu.ac.bd/xmlui/bitstream/handle/10361/10861/15364015_MBA.pdf
2. https://www.nblbd.com/products/cardproduct/1
3. https://www.nblbd.com/products/cardproduct/2
4. https://www.nblbd.com/home/branches
5. https://www.nblbd.com/about/bod
6. https://www.assignmentpoint.com/business/finance/analysis-and-evaluation-of-credit-
card-operation-in-national-bank-limited.html
58

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INTERNSHIP REPORT

Date of Submission: 5th January 2020

5th January 2020

Subject: Submission of Internship Report.

I recommended this Report for submission of the department of Business Administration, Z.

I would like to express my gratefulness and appreciation to my respected academic

Md. Sana Ullah Nur Mishowry

Department of Business Administration

Z. H. Sikder University of Science & Technology

Chapter Topic Name Page number

• To know the card business of National Bank Limited.

2.3 MISSION OF NATIONAL BANK LIMITED

2.4 OBJECTIVE OF NATIONAL BANK LIMITED

• Bring modern banking facilities to the doorsteps of general public through

Name of the Company National Bank Limited

Date of Registration 15 March, 1983

Opening Ceremony 23 March, 1983

Founder of Chairman Zainul Haque Sikder

Number of Branch 204

Nature of Business Commercial Banking

Services provided Deposit Scheme, Credit Facility and

Foreign Exchange Service

Telephone No. 716872931,95508235,95630815,9550897

Fax No. +880-2-956-3953, 966-9404

SWIFT Code NBLBBDDH

Web Page www.nblbd.com

Executive Vice President

Senior Vice President

Senior Assistant Vice

Assistant Trainee Officer

Figure: Organizational Structure of NBL

Mr. Zainul Haque Sikder

Mrs. Monowara Sikder Ms. Parveen Haque Alhaj Khalilur Rahman

Mr. Md. Mahbubur Sikder Insurance Mr. Choudhury Moshtaq

Figure: Board of Directors of NBL

3.2 Implication to University’s Internship Program

4.5 NBL card Business

4.6 Type of NBL card:

4.7 Debit Card

Type of Fee Classic Platinum

Annual/Renewal Fee Tk. 400 Tk. 400

Card Replacement/reissue Fee Tk. 300 Tk. 300

PIN Reissuance Fee Tk. 200 Tk. 300

SMS Notification Service Fee/year Tk. 200 Tk. 200

Termina Cash Withdrawal Charge Balance Enquiry Mini Statement

4.8 Credit Card:

For All NBL Card Holders:

4.11 Card Product:

Paltinum DUAL Gold DUAL

Paltinum Local Gold International

Gold DUAL Gold Local

Gold International Classic DUAL

Gold Local Classic International

Classic DUAL Classic Local

Credit Card Related Works:

1 Approved CC file receiving from sales Daily

2 CFC conditions Checking of the received files Daily

3 Data key-in of the Credit Card Files Daily

4 Preparing Credit Card Photo & Signature Daily

7 Preparing and sending work order for plastic production Daily

9 Signature Verification for Supplementary Credit Card Daily

10 Credit Card Hard Renewal Daily

11 Credit Card Replacement Daily