Internship Report on Bank

Banking sector is one of the largest and important sector for a nation’s economy. Bank provides enormous and quality services to its customers so that a person or an institution can have a safety of their money, financial assurance and most of all they have a financial backup for their own life or business. In my internship period I have great opportunity to join myself to a most successful and above all fully Bangladeshi entrepreneurs based established Bank which name is National Bank Limited. National Bank Limited is a fast growing private bank in our country. It focuses on providing high quality customer service at a very competitive price. In my internship period I was assigned to learn about and work in the foreign exchange division of this bank. In my internship period I was exposed before so many foreign exchange activities and export import procedures of this bank. So I have prepared this report based on Foreign Exchange Activities of National Bank Limited. In my whole internship period I was tried to focus on the foreign exchange documentations, procedures and other relevant activities which were performed or occurred in a foreign exchange activity. So this report focuses Three months working experiences of foreign exchange division National Bank Limited, Banani Branch, Dhaka. This report will give a clear idea about the procedures of Foreign Exchange Activities and also the items and documents are needed during a foreign exchange activity in National Bank Limited. In our countries current economic condition it is very important and necessary to develop foreign exchange and make sure that our country gets more foreign remittance from this exported products. As I said before that our country is a developing country and most of our economy is dependent on Exporting products. Thus Foreign Exchange Activities of any bank is very important for a countries economy.

KATA PENGANTAR

Beberapa hal yang baru selalu muncul mengikuti perkembangan dunia yang semakin cepat berubah karena adanya teknologi-teknologi terkini yang hadir.  Perubahan itu suatu hal yang pasti tanpa seorangpun bisa mencegahnya. Lihat saja kehadiran ponsel canggih (smartphone) telah mengubah seluruh wajah dunia dalam satu genggaman.  Semuanya ada di dalam genggaman termasuk informasi-informasi mengenai bank dan lembaga keuangan.  Saat ini seorang dosen dituntut untuk berkreativitas dan berkoneksitas dengan teknolgi canggih dibidangnya jika ingin maju dan tidak ketinggaln zaman.
Dalam bidang perbankan ada perubahan yang cukup signifikan yaitu hadirnya Otoritas Jasa Keuangan (OJK) sebagai lembaga independen yang mengawasi bank mengantikan posisi yang dulu ada ditangan Bank Indonesia.  Tidak itu saja, OJK juga hadir sebagai lembaga pengawas lembaga keuangan non bank yang sebagian dulu berada dibawah kendali BAPEPAM-LK.  Kehadiran OJK sebagai lembaga baru dibidang pengawasan bank dan lembaga keuangan non bank mengubah banyak hal pada buku-buku teks tentang bank dan lembaga keuangan non bank yang  beredar saat ini. Begitu juga dengan kehadiran Lembaga Penjamin Simanan(LPS) sebagai lembaga penjamin simpanan nasabah di bank.
Penulis mencoba menyelami dan mengambil suatu kesempatan untuk mencoba menulis buku  sesuai kondisi terkini di bidang perbankan dan lembaga keuangan mengikuti perubahan-perubahan yang sedang  terjadi.  Perubahan-perubahan yang juga sangat terasa itu diantaranya dengan kehadiran Fintech sebagai salah satu pemain baru di bidang penyaluran kredit secara online berbasiskan internet (branchless) yang otomatis menjadi lembaga keuangan non bank yang berada dibawah asuhan OJK.  Disamping itu  juga kehadiran Lembaga Keuangan Mikro baik konvensional maupun syariah yang tentunya menunggu regulasi dari pemerintah dan lembaga yang mengawasinya yakni OJK. .
Pada bagian pertama buku ini yang terdiri dari sembilan bab yang membahas tentang lembaga keuangan bank yang teridiri dari (1). Overciew Lembaga Keuangan, (2). Sejarah Bank, (3). Bank Indonesia, (4). Bank Umum, (5). Kegiatan Menerima Dana, (6). Kegiatan Menyalurkan Dana, (7). Kegiatan Layana Jasa,  (8). Bank Syariah, dan (9). BPR.  Dalam bab ini Penulis mencoba menghadirkan suatu hal yang baru dengan memadukan pengalaman dibidang profesional sebagai seorang karyawan di industri perbankan, finance dan pasar modal yang dikombinasikan dengan pengalaman sebagai akademisi dibeberapa perguruan tinggi selama belasan tahun lamanya. 
Pada bagaian kedua buku ini yang terdiri dari sebelas bab, yang membahas tentang lembaga keuangan non bank yang terdiri dari (1) Fintech, (2) Perusahaan Pembiayaan Insfrastruktur, (3) Leasing, (4). Anjak Piutang, (5). Kartu Kredit, (6). Modal Ventura, (7). Pegadaian,  (8). Asuransi, (9). Pasar Modal, (10). Pasar Uang dan Valuta Asing,  dan  (11) Dana Pensiun yang  juga tidak terlepas dari pengalaman penulis sebagai seorang profesional di bidang keuangan seperti di perusahaan Leasing, di bidang pasar modal, di bidang asuransi dan bidang keuangan lainnya yang pernah bersentuhan dengan pekerjaan yang lalu. 
Pada pembahasan bab 3 buku ini terdiri dari dua bab yang membahas tentang lembaga keuangan independen merupakan suatu hal yang baru secara terpisah dari lembaga keuangan bank dan non bank. Penulis menambahkan lembaga keuangan independen sebagai salah satu unsur dalam lembaga keuagan yang secara fungsinya tidak melakukan kegiatan menerima dana (saving), menyalurkan dana (lendingg/financing) dan melayani jasa  (service). Lembaga keuangan independen menjalankan fungsinya sebagai pengaturan, pengawasan, pemeriksaan dan penyidikan  serta penjamin kegiatan lembaga keuangan bank dan non bank.  Lembaga keuangan independen ini terdiri dari; (1).  Otoritas Jasa Keuangan (OJK) dan (2). Lembaga Penjamin Simpanan (LPS)). Penulis sangat menyadari bahwa buku ini belum sempurna dan setiap pekerjaan itu pasti ada kekurangannya, termasuk dalam hal penulisan buku ini. Masih  banyak  yang harus  penulis pelajari dan kuasai.   
Buku ini hadir setelah dua tahun berjalan dalam proses penulisannya. Terkadang energi menulis ini begitu besar, teradang juga surut  karena berbagai hal. Dengan kehadiran buku ini, penulis sangat mengharapkan dukungan doa dan pemikirannya untuk kembali menyiapkan buku tentang pengalaman sebagai Account Officer di perbankan syariah.  Semoga buku ini bermanfaat bagi seluruh pembaca yang budiman.  MERDEKA
Banjarmasin,  Desember 2019

SYAFRIL

This is my internship report that I have completed for the partial requirement of my MBA degree. This report is thoroughly monitored and supervised by Md. Mahmudul Huq sir. I have created this report based on my internship at Southeast Bank Ltd (14th February - 12th May 2022). This report is based on foreign exchange, foreign trade, imports, exports, analyses, remittances, etc.

This report is an individual assignment as a part of the internship program under the BBA curriculum of IUBAT. The primary objective of this report is to know what marketing strategy Jamuna Bank is following and how they are promoting their products to the customers.
The internship program helped me to learn about the current situation of a financial institution. I have also implemented my theoretical knowledge into practical and realistic work environment.
Banks have a unique challenge when it comes to marketing because they do not offer tangible products for consumers. Promoting a bank requires convincing consumers to trust a bank with their money and make customers feel like they are getting the most value for their money. Once customers invest with a bank, the bank must work to keep customers and get them to buy-in to additional products.
Banking industry in Bangladesh up to now is leading the financial system. All of the banks in Bangladesh are introducing new and new products to meet the dimensional demands of customers. But only adoption of new products is not sufficient. Customers should get the proper information about the products. For this Banks are now emphasizing on proper marketing strategy. And of course in this aspect they are applying different promotion mix.
This is a descriptive research designed to evaluate the advertisement and promotion strategy of Jamuna Bank Limited based on observed facts and figures. This report “Advertisement and Promotion strategy of Jamuna Bank Ltd.” is the picture of marketing and promotion strategies used by one of the well-known private commercial bank of Bangladesh Jamuna Bank Limited. The study covers the following sections:

 Brief discussion about Jamuna Bank Limited (JBL)
 Advertisement strategy followed by Jamuna Bank Limited
 Promotional strategies and activities performed by Jamuna Bank Ltd.
 Evaluation of current strategies.
 Findings & Recommendations.

Al Baraka Bank (Pakistan) Limited is a relatively new emerging bank and it is trying to get market share in the presence of national and foreign banks operating in the country. It has played an important role in boosting the economy of the country but there always exists some room for improvement.
From the previous analysis of the financial statements, I have realized that that Al – Baraka Islamic Bank is performing very well since its inception and before acquiring of Emirates Global Islamic Bank. However, nothing is perfect; there is always a room for improvement.
As the business and economic conditions remain uncertain, Al Baraka Bank (Pakistan) Limited is constantly developing and offering new products to cater the needs of its current and as well as potential customers. It is continuing to make efforts for refining its products and services to make them more compatible.

This study aims at measuring and comparing the financial performance of three branches of National Bank Limited in Bangladesh. In a competitive financial market bank performance is very important because it provides signal to depositors and investors whether to invest or withdraw funds from the bank. Similarly, it flashes direction to bank managers whether to improve its deposit service or loan service or both to improve its finance. Regulator is also interested to know for its regulation purposes. Specifically two objectives were pointed out in these study as to analyze comparative branch financial performance among three branches in the light of growth and profitability performance and evaluate comparative branch financial performance among three branches in the light of employee performance.
For comparative branch performance analysis three branches are being selected. For the organization part, much information has been collected both from the primary sources and as well as from the secondary sources. The bank personnel usually don’t want to disclose all the statistical information about their organization due to obvious reasons of scrutiny and confidentiality. Time is another major limitations the duration of the program was 45 days only and being a temporary member of the organization.
The emergence of National Bank Limited in the private sector was an important event in the Banking arena of Bangladesh. When the nation was in the grip of severe recession, the government took the farsighted decision to allow the private sector to revive the economy of the country. Several dynamic entrepreneurs came forward for establishing a bank with a motto to revitalize the economy of the country.
Among three branches Kaliakoir branch performed very well in term of collecting deposits. By providing large amount of advances to import business, Bogra branch sanctioned excess loans and advances from its budgeted ones. Kaliakoir branch achieved high growth rate profit among three branches due to increase in interest received from loans and advances, increase in interest received from IBTA and there was no interest paid on IBTA. Growth rate of per employee deposit in Kaliakoir branch was high which was being meant high employee performance comparison among three branches. Bogra branch was high employee performance in terms of per employee advances. In terms of per employee profit-loss Kaliakoir branch was high employee performance among three branches. Overall performance of Kaliakoir branch of National Bank Limited was high among three branches in terms of growth and profitability performance and employee performance of a branch. Bogra branch of NBL should give equal focus on all schemes of deposit. On the other hand Pabna branch of NBL should give a good attention regarding loan and advances sanction. Bogra branch should decrease its interest payment on IBTA and operating expense in order to turn back increasing profit trends. Employees of Bogra branch should more concentrate on their customer segments, markets, product-use profiles and financial position of loan seeker in order to reduce loan loss.
However, National Bank Limited is a new generation Bank. It is committed to provide high quality financial services or products to contribute to the growth of GDP of the country through stimulating trade and commerce, accelerating the pace of industrialization, boosting up export, creating employment opportunity for the educated youth, poverty alleviation, raising standard of living of limited income group and overall sustainable socio-economic development of the country.

The two-week work at the ICICI Sri Lanka has been particularly enriching and educational. The report elaborates the working practices learnt at the RPC, Treasury, Finance and Trade departments at the internship. It is followed by a Financial analysis of the bank coupled with a few suggestions from the point-of-view of an intern.
The work experience section would list out basics of the mentioned depts. and the Financial Analysis section would discuss the financial performance of the bank in the past few years in the international context.

Acknowledgment
The internship opportunity I had with Global IME Bank Limited (Koteshwor Branch) was a great chance for learning and professional development. I am also thankful for having a chance to meet so many delightful people and professionals who led me through this internship period.

Di dalam anggaran komprehensif yang telah disusun termuat di dalamnya laporan anggaran. Laporan anggaran (Budget Report) adalah laporan yang sistematis dan terperinci tentang realisasi pelaksanaan anggaran beserta analisis dan evaluasinya.
Apa saja jenis anggaran yang akan dilaporkan tergantung apakah aktiitas tersebut telah disusun rencana/anggaran atau belum. Bila suatu aktivitas telah disusun anggarannya maka pada akhir periode akan dapat disusun laporan anggaran.

The report presents a concrete analysis of the overall training effectiveness of Al-Arafah Islami Bank Limited (AIBL) while focusing on the Sonargaon Janapath Branch as the key investigation area. The objective of this report is to indicate whether the training program is effective and provide future research direction. For the collection of primary data, branch staff were interviewed using an open-ended questionnaire. For the analyses, Kirkpatrick’s four levels of training evaluation have been considered as variables.  The findings section presents the data after a thematic analysis. All four variables have shown a majority percentage of positive response, indicating the training program as effective. Since this is a branch centered investigation, the findings of this report do not conclude the training program of AIBL as effective but indicate its effectiveness. The report provides future research direction on the topic using a larger sample size, single program-specific investigation, or inquiring into employee training knowledge at AIBL.

 To evaluate the loans and advances management section of ONE Bank Limited
 To have idea regarding various types of Loan and Advances of ONE Bank Limited.
 To identify the loan sanction procedure in different sectors in last some years.
 To identify the credit approval, their securities and monitoring process of ONE Bank Limited
 To know the loan and advances activities of ONE Bank Ltd. at Dhanmondi branch.
 To identify the recovery rates of the loans in different sectors in last some years and have a comparison among them.
 To identify the problems regarding loan and advances and give some recommendations for improving the effectiveness and efficiency of Loan and Advances services.

This report is prepared based on Internship experience and opinion of the customers’ on Foreign Remittance Activities of Bangladesh Krishi Bank Nilfa Bazar Branch, Gopalganj. The main objective of this study is to know about Foreign Remittance activities of Bangladesh Krishi Bank Nilfa Bazar Branch, Gopalganj. Data were collected from primary sources and secondary sources through face to face conversation, direct observation and work experience at Bangladesh Krishi bank as a regular employee.

Social Islami Bank Limited (SBL) is a private commercial bank in Bangladesh registered under the Companies Act, 1994. SIBL incorporated in 5th July 1995 and being into its commercial operation on 22nd November with a view to provide exclusive service facilities to its client and accordingly meet the demand of banking service all over Bangladesh. During the short span of its operation the bank had been widely acclaimed by the business community from small business persons to industrial conglomerates for forward looking business outlook and innovative financial solution. The study has been conducted for around three month. In the three month I prepared a report which consists of several Parts & Chapters. I discussed about the objective, scope, limitation of the studying the introduction part. I also discussed about the organization and overall history of SIBL, their product information, Strength, Weakness and their major competitors. During the internship period, the scope of the work was fast as I was assigned to work in every department of the bank in Maijdee Branch, I have tried to observe and understand the all banking activities especially general banking activities and other day to day functions performed in this branch. During my working on SIBL Maijdee Branch, I have found some lacking from my observation. I have tried to recommend some solution to solve these problem and conclusion based on my study. Through the report I mainly try to critically review the General Banking Activities especially Account opening and bills& clearing section at Maijdee Branch of Social Islami Bank Limited Bangladesh.

Latest annual reports of the sample enterprises have constituted the principal source of secondary data. The annual reports of the sample enterprises which contained valuable financial and non-financial information about the corporate affairs have been utilized for constructing the reports. Besides, secondary data also include: research studies, the relevant articles published in highly esteemed journals, books, different published documents of the bank, and internet etc.