Internship Proposal On Overall Banking Performance of Bangladesh Commerce Bank Ltd

NorthernUniversityBangladesh

A study on Overall Banking Performance of Bangladesh Commerce Bank Ltd. Course Name: Internship Course Code: INT 4301 Section: A Prepared to Md. Masud Rana Lecturer Department of Business Administration Northern University Bangladesh

Prepared By Name: Md. Mahabub Alam ID:BBA090250545 Program: BBA Email: mahabub545@gmail.com

Introduction
A bank is a financial institution licensed by a government. Its primary activities include borrowing and lending money. Many other financial activities were allowed over time. All over the world the element of banking has been changing speedily due to technological innovation and globalization. Banking in Bangladesh has to keep pace with the global change. Now banks must complete in the market place both with local institution as well as foreign ones. To survive and thrive in such a competitive banking world, two important requirements are development of appropriate financial infrastructure by the central Bank and development of Professionalism in the sense of developing and appropriate manpower structure and its expertise and experience. To introduce skilled Banker, only theoretical knowledge in the field of banking studies is not sufficient. An academic course of the study has a great value when it has practical application in real life situation. This internship report entitled Overall Banking Performances of Bangladesh Commerce Bank Ltd. has been started at the beginning of the January 2013 under the instruction of our honorable intern supervisor & instructor Md. MasudRana for the partial fulfillment of the requirement of BBA Program. As a financial intermediary commercial bank play an important role to match the Surplus & deficit unit. They collect deposit from surplus unit & lend it to the deficit unit. This mobilizations of deposit & allocation of credit to productive & consumer services leads towards the economic development, but commercial bank in Bangladesh was not so much careful in credit management&, which leads to the widespread loan default & ultimately worse the entire financial cycle. Different commercial banks, specialized banks, Islamic banks offer different types of loan to their Business & individual customer. Especially bank now focus on lending to consumer credit, because it has risk then individual consumer loan, although consumer loan is mainly unsecured. Bank usually gives long-term loan to business firm. However credit management is crucial issue .Bank performance or profitability almost depend on proper credit management

Bangladesh Commerce Bank Ltd. Is a Commercial bank but it has some differences in its formation compare to other private banks. The report is lively narration of various banking activities like General Banking, loans and advance management and any branch banking service. As a conventional bank branch it has a general banking section where the primary task of deposit collection, maintenance of accounts, cash and all local services are done. It performs the job of fund management on behalf of the whole bank. Other main duty of the department is maintenance of the accounts and dealing with the clearinghouse. The loans and advance section is in charge of proper disbursement of the funds to productive as well as profitable ventures. Any branch banking service is unique feature of that bank. The customers who have an account holder of that bank, they will transact any branch and enjoying the mobilization of service.

Problem Statement:
Bangladesh is one of the underdeveloped countries of the world. But the country has a lot of opportunities for massive improvement. In an economy like this, banking sector can play a vital role as an intermediary which can mobilize the excess fund of surplus sectors to provide necessary finance to those sectors which need funds to grow. Thus banks can establish a sound base for the development of the country. Performance analysis is one of great measurement to know any Bank Financial position. Ratio analysis is an important tool for analyzing the company's financial performance. Ratio analysis is an important technique of financial statement analysis. Accounting ratios are useful for understanding the financial position of the company. Different users such as investors, management, bankers and creditors use the ratio to analyze the financial situation of the company for their decision making purpose. Here actually we try to analyze the performance of Bangladesh Commerce Bank Ltd based on ratio analysis. By analyzing performance we can identify periodic and current position of BCBL. It is very difficult to identify the responsible factors for being a problem bank of BCBL. How many steps should be taken for improving their position? Finding the initiative taken by the BCBL? It is very difficult to provide any policy or suggestion that is needed for Bangladesh Commerce Bank to improve their current financial position.

Objective of the Study

Main Objective:To research the overall Banking Performance of Bangladesh Commerce Bank ltd. and evaluate the performance of BCBL comparison with other private commercial bank. Supporting Objective: To find out the trend of profitability of BCBL To evaluate the financial position and performance the Bank To evaluate the factors affecting performance of the Bank. To suggest the better ways of enhancing the performance of the Bank. To know opening bank account and issuing Chequebook, Pay order and others general banking. To understand the different modes of investment. To know the movement of foreign exchange through BCBL To review the overall activities of the Bank

Scope of the study

This report covers the organizational overview of the Bangladesh Commerce Bank Ltd, Management and financial activities performed by the Bangladesh Commerce Bank Ltd. It also covers overview of the general banking, identification of problems regarding general banking, of the Bangladesh Commerce Bank Ltd as a whole and as well as DilkushaBranch.

Methodology
While conducting the study, sources were explored for primary information and data. But hardly any updated data could be found. In the absence of updated information or data dependence on secondary has been inevitable. However, wherever possibly primary data has been used. Data were also collected by interviewing the responsible officers and from some documents & statements printed by the bank and the website of BCBL. There have been used some statistical tools and graphical representation to find out different types of analytical results and interpretations.

Sources of Data
The following sources have been used for the purpose of gathering and collecting data as required. Primary data 1. Practical desk work. 2. Official record of BCBL. 3. Data collection of own supervision. 4. Face to face conversation from different banks clients. 5. Branch Manager & Second Officer. 6. To observe daily activities regularly. 7. Oral and informal interview of officers and employees in BangladeshCommerce bank and personal observation. Secondary Data 1. Annual report of BCBL. 2. Official files and folders, working papers, published and unpublished documents. 3. Various prescribed forms of investment were analyzed. 4. Official records of Bangladesh Commerce Bank limited 5. Website of Bangladesh Commerce Bank limited 6. Manualsof investment of BCBL. 7. Different text books & materials. 8. Audit reports 9. Internet and various study selected reports.

Limitation of the study

In preparing this Proposal, I have encountered some problems and limitation which are as follows:

First problem I face in preparing this proposal, which topic should I choose among these
various types of topic?

Secondly if I choose performance analysis of Bangladesh Commerce Bank Ltd. Among

various types of performance analysis which technique of performance analysis should I use?

Finally which source of data should I use is it primary or secondary?If secondary which
secondary source?

Time frame Gantt chart

The following Gantt chart will explain the time frame of the internship period. Activities Duration Time (Month) January Proposal 7 days( 1623,Jan , 2013) 38 Days February March April

Data collection Report writing

45 days

Submitting 10 days of final report