WELCOME TO MY

PRESENTATION
 Presentation
On
Comparative Study Between Various Deposit and
Loan Schemes of Premier Bank Limited

Presented By:
Romana Kajal Rima
ID: 2161011110
Batch: 39th (C)
Major: Finance
Program: BBA
School of Business, Uttara University
04/08/2021 2
 Introduction

 Commercial banks in Bangladesh economy are to face an

increasing competition for their business in coming days, like
any other emerging market economics.

 As a BBA student having major in Finance, financial

institutions are the most appropriate field to gather the
experience and among the financial institutions, Bank is the
most prominent place.

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 Objectives of the Study

Broad objective
 To make a Comparative Study Between Deposit and Lending
products of Premier Bank Limited

Specific objectives
 To know the deposit products
 To know about the lending products

 To make comparison between loan & deposit product.

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 Limitations of the Study

 It is not possible for me to gather all the information about the

banking activities of Premier Bank Limited at Uttara Branch
in my 3 months internship period

 Learning overall activities and performance of a bank within 3

months is really difficult

 While collecting data, the authority did not disclose much

information due to the confidentially of the bank

 The main limitation of the study is the collection of

information.

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 Company Profile

History of the Company

 The Premier Bank Limited started its operation from October,

1999 under the Banking Companies Act 1991

 Since then, the Bank has emerged as a quality Financial

Institution and making significant contribution to the national
economy

 The Bank is a full service Commercial Bank and licensed by

Bangladesh Bank.

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 Company Profile Continue
Vision
 The Bank has a clear vision towards its ultimate destiny-to be
the best amongst the top financial institutions

Mission
 To be the most caring and customer friendly provider of financial
services, creating opportunities for more people in more places
 To ensure stability and sound growth whilst enhancing the value of

shareholders investments
 To ensure high level of transparency and ethical standards in all

business transacted by the Bank

 To be socially responsible and strive to uplift the quality of life by

making effective contribution for social development.

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 Data Collection and Processing
Primary Data
 Face to face conversation with officials of Premier Bank Ltd
 Experts opinion
 Observation
Secondary Data
 Official records of Premier Bank Limited
 Annual report
 Website of Premier Bank
Data Analysis & Processing Methods
 Conducted primary data analysis through face to face conversation
with employee, manager and studied additional data from secondary
sources
 All collected data have been analyzed MS Office Software.

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 Analysis

Objective-1:
Deposit Products

1. Double Benefit Scheme:

Under this scheme, any deposit becomes double approximately 6 years
& 6 months. It accepts deposit in multiples of Tk. 10,000.

Year Deposit Amount Maturity amount

6.5 year 10000 or multiples 20000 or multiples

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Analysis Continue
2. Fixed Deposit receipt(FDR):
Tenor Deposit(Amount) Interest Rate
1 Month Any Amount 3.50%
2 Months Any Amount 3.75%
3 Months Any Amount 6.00%
4 Months Any Amount 7.50%
6 Months Any Amount 7.50%
12 Months Any Amount 8.00%
13 Months Any Amount 8.25%
25 Months Any Amount 8.50%
36 Months Any Amount 5.50%
100 Days 5 Lac 9.00%04/08/2021 10
Analysis Continue
3. Monthly Income Scheme(MIS):
MIS is a monthly income based deposit scheme. Deposit a certain amount at the
opening an earned monthly profit till the tenure completes.
4. Monthly Savings Scheme(MSS):

Tenor Monthly Deposit Interest Rate

3 years 500 10.50%
5 years 500 11.00%
10 years 500 11.50%
12 years 500 12.00%

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Analysis Continue
Objective-2:
Lending Product
1. Auto loan:

Features:
a. Auto Loan for the purchase of brand new and reconditioned
car for private use only.
b. Loan amount ranges from BDT 200,000 to BDT 4,000,000.
c. Repayment period of 12 months up to 72 months.

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Analysis Continue
2. Home loan:
Features:
a. An individual who is service holder or a business person who can avail this loan.
b. Maximum amount will be 1 crore & 20 lacs.
c. Interest rate will be vary from 12% to 15%.
d. Maximum repayment period is 20 years.
e. Security for this types of loan is the property which to be purchased through this
loan.
3. Personal Loan
Our Personal Loan is offered or a valid reason from buying household appliances
to emergency medical needs. Some of these could be: Purchase of Electronic
goods, House/Office Renovation, Advance Rent Payments, Travel Expenses etc.

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Analysis Continue
Objective-3:
SL Type 2018 2017
01 Fixed deposits 104,140.93 86,233.07
02 Savings bank deposits 10,055.47 9082.72
03 Current deposits 8,322.64 8,492.17
04 Other deposits 12,982.52 12,761.25
05 Bill payable 3,378.18 2,093.22
06 Deposit schemes 18905.73 10,686.82
07 Special notice deposits 11,654.30 11,341.23
Total 169,439.78 140,690.47

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Analysis Continue
Composition of Total Deposits

Fixed Deposits Savings Bank Deposits

Current Deposits Other Deposits
Bills Payable Deposit Schemes
11%
2%
8%

5%

6% 61%

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Analysis Continue
Loans and Advances

160,000.00

120,000.00

80,000.00

40,000.00

0.00
2015 2016 2017 2018

At the end of 2018, credit portfolio of the Bank increased by Taka 21,068.98 million to reach
the total of Taka 156,960.04 million against Taka 135,891.06 million in 2017. The growth
recorded was 15.50 percent over the preceding year. Our loan recovery efforts were successful
and total non-performing loans accounted for 3.99 percent of total loans at the year-end 2018.
Bank's Credit/Deposit ratio was 82.68 percent as of 31st December 2018.

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 Findings
 To open a new account, the customer should have an introducer.
But sometimes the customer may fail to manage reference for
opening an account. So, in that case, they may sometimes lose
their customer
 IT section is weak and sometimes it is hanged, as a result they

employee face problem at the time of their work.

 Need to technologically on update.

 Less number of ATM booths

 Need to be centralized.

 Premier Bank does not provide devotion on the advertisement.

For instance, a competitive market it is too much essential for

any organization to increase their advertisements procedure.

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 Recommendation
 Bank should introduce some financial products which attract
people more. For example, Salary Loan, Car Loan, Teacher
Loan etc.
 New branches should be launched is order to get more

customers.
 Special emphasis has to give to increase Current Account in

the coming years.

 Moreover, Bank should launch more ATM Booths and service

for the customer.

 Special emphasis has to give to finance the Agricultural &

Construction Sector.

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THANK YOU

04/08/2021 19