Internship Defense Presentation on
"Premier Bank Limited"
By;
Rawha Khan,
ID: 2030592
CONTENTS
1. Introduction & Company Profile 2. Internship Objectives & Department
4. Industry & Competitor Analysis
3. Job Responsibilities & Learning Experience
5. Key Findings & Issues Identified 6. Recommendations
7. Conclusion 8. Q&A
Introduction & Company Profile
Company Profile - Premier Bank Limited (PBL)
Established Type Head Office
June 10, 1999 Private Commercial Bank Banani, Dhaka
Network Core Focus
• 136 Branches • Corporate Banking,
• 128 ATMs • Trade Finance, and
• 175 Agent Outlets • Growing Digital Services.
Internship Department & Objectives
Primary Department
General Banking (Head Office)
Other Exposure
Loans & Advances, Foreign Exchange
Key Objectives
• Bridge theoretical knowledge with practical application.
.
• Understand the operational workflow of a leading financial institution.
• Gain hands-on experience in customer service, compliance, and banking operations
Job Responsibilities & Learning Experience
Key Job Responsibilities Practical Learning Experience
• Assisted in account opening and KYC • General Banking: Observed end-to-end customer
compliance. service operations, remittance, and clearing.
.• Provided information on various banking • Loans & Advances: Learned about credit
.
. products and schemes. appraisal for secured/unsecured, SME, and
. .corporate loans.
• Maintained records for cheque book and card
requisitions. .• Foreign Exchange: Gained practical experience
• Organized documentation for credit activities. in handling LC documents.
• Prepared vouchers for Import Letters of • Key Insight: Experienced the gap between
Credit (LC). academic theory and real-world banking practices.
Industry Analysis (Banking in Bangladesh)
Key Trends:
Competitions: • Digitalization: Rapid Major Challenges:
Highly Competitive with adoption of mobile • High Non-Performing
.
over 60 banks. and online banking.
Loans (NPLs).
• Financial Inclusion:
• Increasing
Expansion to rural
Cybersecurity threats
areas.
Competitor Analysis
PBL vs. Key Competitors
Factors PBL EBL BRAC Bank DBBL
Digital Banking Good Excellent Good Best
Corporate Bank Strong Leader Moderate Weak
SME Banking Average Strong Leader Weak
ATM Network Limited Moderate Limited Largest
Porter's Five Forces Analysis
Threat of New Entrants: Moderate (High for Digital-Only Banks like
Nagad).
Threat of Substitutes: Very High (bKash, Nagad,
Microfinance).
Bargaining Power of Buyers: High (Easy to
switch banks).
Bargaining Power of Suppliers: Moderate
(Regulators, Tech Talent).
Competitive Rivalry: Very High (Price wars, digital arms race).
SWOT Analysis
1 Strengths 2 Weaknesses
Strong corporate Limited ATM network,
banking, competitive slower tech adoption,
rates. weaker branding.
3 Opportunities 4 Threats
Mobile banking
Expand
(bKash), aggressive
digital/SME/agri-loans,
rivals, regulatory
fintech partnerships.
pressure.
Key Issues Identified
1 2
Operational Delays: Slow Loan
Cheque and card Disbursement: Large
processing can take loans can take months
over two weeks. to disburse.
3 4
Complex Product Performance Appraisal
Codes: Employees System: Lack of
face difficulty transparency, subjective
remembering criteria, & insufficient
numerous product feedback, leading to low
Recommendations (Based on Findings)
Process Improvement 1
. Streamline cheque and card processing workflows to reduce time.
Loan Process Review 2
.
Analyze and optimize the credit appraisal and disbursement pipeline.
3
Digital Solution
Implement a digital product catalog for easy employee reference.
.
.
HRM Overhaul
.
• Implement clear, standardized appraisal criteria.
• Train managers on objective evaluation and feedback.
• Focus on continuous feedback and development.
Theory of Planned Behavior for Employee Engag
• To improve performance reviews, PBL must influence:
• Attitude: Make employees see appraisals as fair and developmental.
• Subjective Norms: Foster a culture of transparent communication.
• Perceived Behavioral Control: Provide managers with the right
tools and training to conduct effective reviews.
• This leads to higher engagement and performance.
Conclusion
• The internship was an invaluable experience in understanding the
practical workings of the banking sector.
• It provided deep insights into PBL's operations, competitive landscape,
and internal challenges.
• The recommendations provided are aimed at enhancing operational
efficiency, digital presence, and most importantly, employee satisfaction.
• This experience has significantly strengthened my theoretical knowledge
and prepared me for a future corporate career.
Thank You!
Any Questions?
