Internship Report On General Banking Activities of Pubali Bank Limited

Muhammad Ruhul Amin Lecturer Department of Management Faculty of Business Bangladesh University of Business & Technology (BUBT)

Prepared For:

Prepared By:
Hamim Al Mukit ID: 07081101009 Intake: 14th Major: HRM BBA Program Bangladesh University of Business & Technology (BUBT)

Bangladesh University of Business & Technology (BUBT)

Date of Submission: October 04, 2011 ii

Letter of Transmittal
October 04, 2011 To Muhammad Ruhul Amin Lecturer Department of Management Faculty of Business Bangladesh University of Business & Technology (BUBT) Subject: Submission of the Internship Report on General Banking Activities of Pubali Bank Limited. Dear Sir, Its my great pleasure in presenting the internship report on General Banking Activities of Pubali Bank Limited, which is done as a partial fulfillment of the requirement of the BBA degree. You assigned me this topic for prepare a report of General Banking Activities of Pubali Bank. I am enthusiastic to you for giving me the opportunity to undergo such an experience. I have truly enjoyed my three months internship program with Pubali Bank Limited, Mirpur Branch and highly appreciate their co operation in this regard. I tried to reflect the practical operational aspects of the bank, which is complementary to the theoretical lessons. I am very much glad that you have given me the opportunity to prepare this report. So I therefore pray and hope would you be kind enough to accept my internship report and oblige thereby.

Sincerely yours (Hamim Al Mukit) ID 07081101009 14th intake Major - HRM iii

Bangladesh University of Business & Technology (BUBT)

Acknowledgement

I would like to thanks Almighty Allah for enabling me the strength and opportunity to complete the report within the schedule time successfully. I am also very much pleasure to my honorable internship supervisor to Muhammad Ruhul Amin, Lecturer, Department of Management, Faculty of Business. Bangladesh University of Business & Technology (BUBT) for his whole hearted supervision during reports period. His suggestions were really a great source of spirit to make the report good one. I am also grateful to Professor Md. Mohiuddin. Dean, Bangladesh University of Business & Technology (BUBT), for proving me such opportunity to conduct an Internship Program on Pubali Bank Limited. I express my heartiest gratitude to Md. Solaiman Murshi, Manager of Pubali Bank Ltd, Mirpur Brach . who was very co-operative and Helpful with me during internship period. He has helped me by giving various information for making this report. I would like to thanks all the officials of PBL for providing me valuable time, cooperation, inspiration and suggestion and supportive information for my report writing process. At last, I shall be grateful to those persons who will read this report and who shall get benefit from this report at present and in future.

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Acronyms
BB PBL GB BL CC C&F CRF IBCA IBCT IBDA LATR MBM PAD OBC TIN Bangladesh Bank Pubali Bank Limited General Banking Bill of Lading Cash Credit Clearing & Forwarding Clean Report Findings Inter Branch Credit Advice Inter branch Credit Transaction Inter Branch Debit Advice Loan against Trust Receipt Masters in Bank Management Payment against Document Outward Bills for Collection Tax Identification Number

Table of Content

Topics
Title Page Letter of Transmittal Acknowledgement Acronyms Table of Content Executive Summery

Page
Page 2 Page 3 Page 4 Page 6 Page 7 Page 9

CHAPTER ONE - Introduction

1.1 Background of the Report 1.2 Significance of the Report 1.3 Scope of the Report 1.4 Objectives of the Report 1.5 Methodology 1.6 Limitation of the Study Page 11 Page 11 Page 11 Page 11 Page 12 Page 13

CHAPTER TWO - Overview of PBL

2.1 History of Pubali Bank Ltd 2.2 About Pubali Bank Ltd 2.3 Present Status of PBL 2.4 Other information Page 17 2.5 Vision of Pubali Bank Ltd 2.6 Mission of Pubali Bank Ltd Page 17 Page 17 Page 15 Page 15 Page 15

CHAPTER THREE - Theoretical Aspects

3.1 Bank 3.2 Interest rate 3.3 Pay order Page 19 Page 19 Page 19 vi

3.4 Clearing House 3.5 Customer satisfaction 3.6 Saving Account

Page 19 Page 19 Page 20

Topics
3.7 Joint Account 3.8 Remittance 3.9 Demand Draft 3.10 Cash 3.12 Deposit Slip 3.13 ATM

Page
Page 20 Page 20 Page 20 Page 20 Page 21 Page 21

CHAPTER Four - Findings and Analysis

4. General Banking 4.1 Account Opening Section 4.2 Clearing Section 4.3 Local Remittance Section 4.4 Cash Page 23 Page 24 Page 31 Page 32 Page 38

CHAPTER Five - Major Findings

5.1 Major Findings Page 43 Page 45 Page 47 Page 49 Page 50-53

CHAPTER Six - Conclusion CHAPTER Seven - Recommendations CHAPTER Eight - Bibliography Annexure

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Executive Summary
Pubali Bank Limited is the largest Commercial Bank in Private Sector in Bangladesh. It provides mass banking services to the customers through its branch network all over the country. This Bank has been playing a vital role in socio-economic, industrial and agricultural development as well as in the overall economic development of the country since its inception through savings mobilization and investment of funds. During the last 5 years the growth rate of bank's earnings is more than 25% on average. This Bank has emerged with deep affinity with the people of the country and growing rapidly in terms of deposit mobilization, investment activities, and foreign trade operation and in handling foreign remittance with increasing interest and support of the people who are making it business volume double in every year. The main objective of this report is to focus on General Banking System of Pubali Bank Limited. During Internship Period, I was assigned responsibility in the various departments of PBL and finally involved in general banking department and observed the functions of general banking department of Pubali Bank Limited. My internship report encompasses on eight chapters. Chapter One Introduction covers the introductory part of the report. In this part I basically tried to explain background, significance, objective, scope, limitation of the study. Chapter Two Overview of PBL covers the profile of the company. In this part I tried to discuss the overall information of Pubali Bank Limited with Mirpur Branch where I was worked for three months. Chapter Three covers necessary Theory. Chapter Four PBL General Banking covers the Report Part. Here I analyze the General Banking activity of Pubali Bank Limited. I discuss the whole General Banking section including the subsection of Mirpur Branch. At last the other chapters covers Findings, Analysis, Recommendation and Conclusion. I tried to provide some suggestion to the Bank. These suggestions are the outcomes of this report. These suggestions made on the basis of my observation. I think it will help the managing committee of PBL to run the organization more effectively.

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