Internship Report

Md. Shahadat Hossain ID : School of Business University Of Information Technology & Sciences(UITS).

Prepared For : School of Business University of Information Technology & Sciences (UITS), Dhaka.

Internship Topic : “An Evaluation of General Banking Activities & Financial Performance of National Bank Limited.”

Banking History of Bangladesh After the liberation of Bangladesh the twelve Banking companies who were doing business in Bangladesh, were nationalized by the Government of People's Republic of Bangladesh under president's order no. 26 of 1972 entitled "The Bangladesh Bank (Nationalizations) order, 1972" on 26 March,

Banking History of Bangladesh  The National Bank of Pakistan.  The Bank of Behawalpur Ltd.  The Premier Bank Ltd.  The Habib Bank Ltd.  The Commerce Bank Ltd.  The United Bank Ltd.  The Union Bank Ltd.  The Muslim Commercial Bank Ltd.  The Standard Bank Ltd.  The Austrasia Bank Ltd.  The Estem Mercentile Bank Ltd.  The Estem Banking Corporation Ltd.

About NBL National Bank Limited was born as the first hundred percent Bangladeshi owned Bank in the private sector. It started banking operations in Bangladesh on 23 March

Organizational Profile Mission Vision Core Objectives

Banking Products Deposit Term Deposit Loan & Advances

Division

General Banking GENERAL BANKING Account Opening & Closing Section Local Remittance Collection Section Bills & Clearing Cash Section Account Section

Account Opening and Closing

Remittance Sector Local Remittance Electronic Fund Transfer (MT) Pay Order (PO) Telegraphic transfer (TT) Demand Draft (DD)

Bills & Clearing Section Preparation of clearing Outward and Inward Lodgment and record maintenance of the same. Batch posting as when required.

There are three Essential things for clearing the instrument: Crossing seal. Endorsement seal. Clearing seal.

Cash Section Cash Receipt Cash Payment

Deposit Section Post all kind of transaction ·Provide on demand report. ·Cheque maintenance. ·Preparation of day transaction position. ·Preparation of closing monthly transaction. Closing Accounts ·If the customer is willing to close his account. ·Death of the customer. ·Customer’s insanity and insolvency. ·If the branch finds any reasonable ground for closing the account. ·If there is any notice issued by the Court on the bank branch close the account.

Account Section recording classifying, identifying and Calculation of all transaction maintains clean cash book, supplementary, voucher register etc.

Loans & Advance Section National Bank Ltd. Introduced Consumer Credit Scheme for its customer approved by the Board of Directors of the Bank with the following loan products: (1)Vehicle Loan (2)Domestic Appliances Loan (3)Office equipment Loan (4)Entertainment purpose Loan (5)Loan for intangible items There are some other loan considering the market demand and investment opportunities in Consumer business NBL has formulated the following 4 (Four) products for National Bank Limited. The Four products loans are given below. Auto Loan. Consumer Durable Loan. Secured Personal Loan. Loan for Professional.

Financial Performance of NBL

Capital of NBL Core Capital (Tier-1) Paid-Up-Capital4, , Statutory Reserve4, , Retained Earning5, , General Reserves Core Capital (Tier-2) Provision for unclassified loans1, Exchange Equalization Accounts Other reserve1, Total Capital19, , Total risk Weighted Assets156, ,

Deposit of NBL

Net Profit After Tax

Investment of NBL

Loan & Advances

Import & Export

Remittance

SWOT Analysis of NBL Strengths of NBL Weaknesses of NBL Opportunities of NBL Threats of NBL

Conclusion The National Bank Limited is a very recent bank in the banking business area. It was incorporated on March23, 1983 in Bangladesh as a Public limited Company under company Act, So within this short time the bank already get the popularity in the people. When this bank starts its operation, their first target customer was the army person, but with the demand of general people the bank is also doing business with the general people.

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