INTERNSHIP REPORT

ON
GENERAL BANKING ACTIVITIES
OF
DUTCH BANGLA BANK LTD.

i
United International University

Internship Report
On
General Banking Activities of the
Dutch Bangla Bank Limited

Submitted To
Mohammad Amzad Hossain
Assistant Professor- AIS
School of Business & Economics (SOBE)
United International University (UIU)

Submitted By
Jesmin Ferdousi
ID: 111 131 264
BBA Program
United International University

Date of Submission: 31th May, 2018

ii
 Letter of Transmittal

May 31th, 2018

Mohammad Amzad Hossain
Assistant Professor- AIS
School of Business & Economics
United International University (UIU)

Subject: Submission of Internship report on “General Banking” of Dutch Bangla Bank

Limited.

Dear Sir,
I am pleased to submit the internship report on “General Banking Activities of Dutch Bangla
Bank Limited” of Panthapath branch a partial requirement of the course INT 4399.

In this report, I have tried to focus some key aspects of Dutch Bangla Bank and their activities
and responsibilities on Bangladesh. While preparing this report, I tried my level best to follow
your instructions and the instruction that have given to me by my organization supervisor.

In spite of various inadequacies I have tried to cover all the relevant information that you have
assigned me. It is quite worthy to mention that without your kind hearted guidance and
cooperation it would not be possible for me to authenticate this paper. I will be pleased and
grateful to you to answer if you have any queries regarding this report.

Sincerely yours,

------------------------

Jesmin Ferdousi

ID: 111 131 264

iii
 Acknowledgement

At the very outset, I would like to praise our gracious and beneficent Almighty due to provide us
enough strength, patience, courage and ability to work on for this term project report.

After that, I would like to show the biggest gratitude my honorable faculty, Mohammad Amzad
Hossain for his sincere guidance and valuable advice throughout the training program. I am
thankful to him for how he guided me with his extreme consistency in every aspect make the
report.

Furthermore, I would like to thankful who I Interviewed and asked opinion for the report. I am
also grateful to the other employees of The Dutch Bangla Bank Limited of Panthapath Branch
who have shared their experience with me which enlightened me very much and also helped to
learn about the banking services.

Eventually, I must mention the excellent working environment and group commitment of this
bank that has enable me a lot of deal to do and observe the banking activities during my
internship period of three months.

iv
 Table of Content

Chapter-1: Introduction
1.1 Introduction ………………………………………………………….....................2-3
1.2 Origin of the study ……………………………………………………………...........3
1.3 Objective of the study ……………………………………..……………………...3- 4
1.4 Scope of the Study……………………………………………............……...............4
1.5 Methodology of the Study…………………………………………...………...…...4-5
1.6 Limitation of the Study………………………………………,............…………........5

Chapter-2: Overview of the Dutch Bangla Bank Ltd.

2.1 Historical Background of Dutch Bangla Bank ……………………................…….....7
2.2 Nature of Business .......................................................................................................8
2.3 Dutch Bangla Bank at a Glance .................................................................................. 9
2.4 Hierarchy of DBBL ...............................................................................................10-11
2.5 Mission …………………………………………………………………........…........12
2.6 Vision …..………………………………………………………………....................12
2.7 Objectives …………..……………..............................................……............….....12
2.8 Corporate Division ........................................................................................... 12-13
2.9 Operation Relation …………………………………………………............………..13
2.10 Social Responsibilities & Economic performance……………………………........14
2.11 Footpoint of Dutch Bangla Bank Ltd ........................................................................15

Chapter-3: General Banking Activities of DBBL

3.1 General Banking ...........................……………………………………………......... 17
3.2 Components of General banking………………………………………………........ 17
3.3 The Procedures og Opening Account………………………………………........ 18-20
3.4 To Close An Account…………………………………………………………….......20

v
 3.5 Deposite Account……………………………………………………………….. 20-21
3.6 Issurance of Cheque book ..................................................................................... 21-23
3.7 SMS Banking…………………………………………………………...................... 23
3.8 Internet Banking…………………………………………………………….…........ 24
3.9 Clearing Section………………………………………………............……….... 24-27
3.10 Remittance Section ......................................................................................... 27-29

Chapter-4: Internship Duties, Responsibilities & Learnings

4.1 Functions & Responsibilities as an intern…………….........………………………. 31
4.2 Learning from DBBL……………………………………………………………..... 32
4.3 Internship Experiance…………………………………………………………... 32-33
4.4 Problem faced in the Workplace……………………………………………… ..33-34
4.5 Issue Analysis with Relavent Theory……………………………………………34-35

Chapter-5: Analysis and Findings of DBBL

5.1 SOWT analysis…………………………………………………………………...37-39
5.2 Survey Analysis…………………………………………………………….…….39-44
5.3 Problems found in DBBL Panthapath branch……………………….....……..........45
5.4 Other findings…………………………………………………..……………...….....46

Chapter-6: Recommendations and Conclusion

6.1 Recommandations…………………….………………………………………...........48
6.2 Conclusion…………………………………………………………….........…..........49

Chapter-7: Référence
7.1 Reference……………………………..……………………….…..............…………51

Chapter-8: Appendix
8.1 Appendix……………………………..……………………….……….....................53

vi
 List of tables and figures

Table :
Table 1 : DBBL at a Glance ........................…………………………………………….. 9
Table 2 : Corporate Division of DBBl ………………………………………………..... 13
Table 3 : Rates of Deposit Account…………………………………………………….. 21
Table 4 : Work Description ...............................................................................................31

Figure :
Fig 1 : Dutch Bangla Bank footprint……………………………………….............…….15
Fig 2 : Issurance of Cheque Book .....………………………………….........…………...22
Fig 3: Types of Cheque book ...............…………………………................……………25
Fig 4: Satisfaction Level of Customer……………………………………….................. 40
Fig 5 :Overall services of Panthapath Branch ..................................................................41
Fig 6 :Timeliness of Services ...........................................................................................42
Fig 7: Premises of panthapath Branch…...........................................................................43
Fig 8: Best product of Dutch Bangla Bank Limited…………….....…………............….44

List of acronyms:

A/C Account
ATM Automated Teller Machine
BB Bangladesh Bank
CD Current Account
FDR Fixed Deposit Receipt
L/C Letter of Credit
PO Pay Order
SB Savings Banking
STD Short Term Deposit

vii
 Executive Summary

In the present situation of the banking sector is walking with competitive advantage, inspired
way, just like a panorama of a race to reach the leading position of the banking. Most of the bank
now concentrates on marketing feasibility to earn and generate opportunity to hold existing to
keep loyal customers, as the business humanity believed that loyal customers increase the
forthcoming gainful revenue. The report has focused on the wide consumer expectations,
perception, and its implementation possibility and general banking for the DBBL to overcome all
kinds of customer objections for the service failure and weakness.

First part of this report is based on the introductory part which includes topics like origin,
objective, background, limitation of the study. Basically it defines the way and background of
the study to prepare the report. The next part of the report highlights a brief background of Dutch
Bangla Bank Limited, with their mission, vision, objectives. And also provides a brief summary
of all general banking offered by the Dutch Bangla Bank Ltd.

Next part is organized with the descriptions of the tasks done by me during my internship period
and a survey based on the services of Panthapath branch and on customer’s satisfaction This
report conjointly consists of all the findings of the report given some recommendations so as to
enhance clientservice quality still as client satisfaction level primarily based on the observation
and work experience during the internship period.

viii
Chapter 01
Introduction

1
1.1 Introduction:

Mostly through the word “Bank”, we can effortlessly understand that the economic association deals
with money. But there are different categories of banking concern like; Fundamental Banks,
Profitable Banks, Reserves Banks, Investment Banks, Manufacturing Banks, Co-operative Banks’,
etc. But we use the word “Bank” without any preface, or essential, it refers to the ‘Commercial
Banks’. Commercial Banks are the tonality provides to the economy of a country. All over the world,
the dimension of banking has been changing rapidly due to Deregulation, Technological innovation
and Globalization. Banking in Bangladesh has to keep pace with the global change. Now banks must
compete both as local institution and foreign one.

The declaration of Government’s bold and far-sighted decisions to allow banks in the private sectors
to play its due role in the economy of Bangladesh, have started the process of creating new and
dynamic financial institutions. One such establishment is that the Dutch Bangla Bank Ltd. (DBBL).
At present, the emergence of Dutch Bangla Bank Ltd. Is a very important event within the non-public
banking arena of Asian Bangladesh.

The company offers deposit products including savings deposit accounts, current deposit accounts,
short term deposit accounts, resident foreign currency deposits, foreign currency deposits,
convertible and non convertible take accounts, exporter’s FC deposits, and term deposits.
It also provides loans and advances, such as personal credit facilities, loans against trust receipts,
transport loans, real estate loans, loans against accepted bills, industrial and agricultural term loans,
lease finance, and other term loans, as well as foreign currency loans and overdrafts.

The company offers corporate banking services, including project finance and working capital
finance, syndications and structured finance, trade finance, equity finance and social and
environmental infrastructure finance and small and medium enterprise banking services consisting of
cash credit, term loans, festival loans, women entrepreneurs financing, distributor financing and
small shop financing schemes.

Further, it provides import and export finance, foreign remittance and treasury services, debit and
credit cards, internet mobile, and SMS banking services, and automated teller machine (ATM) agent
banking services. As of December 31, 2016 the company operated 165 branches, 4331 ATMs and
708 fast tracks as well as student electronic booths and point of sales terminals.

2
1.2 Origin of the Report:

The internship program is an obligatory requirement for the students who wish to be a B.B.A
graduate from United International University. I was involved with a host organization named Dutch
Bangla Bank Ltd. for this internship program. This report has been equipped with my practical
experiences on the day to day banking activities, academic knowledge and under close direction of
my core support as well as my official supervisor. The report entitled “General Banking Activities of
Dutch Bangla Bank Limited” has been completed as a partial fulfillment of BBA program accredited
by the Department of Business Administration, United International University.

This report made for the internship program of United International university (UIU) as BBA
Department. This internship program lasted for 3 months from 18 February to 18 May . United
International University help to get internship in Dutch Bangla Bank limited by drop CV, and Dutch
Bangla Bank give me the opportunities to get a lot of practical experiences from this bank.

1.3 Objective of the report:

The fundamental purpose of this report is to obey with the requirement of the Dutch Bangla Bank
Ltd. But the aims of this study are rather broader. The objectives are categorized in the following:

Primary Objectives:
The main objective of this report is to assess the general banking performance of the Dutch Bangla
Bank Limited in Bangladeshi banking sector in providing products and services to the customers.

Secondary Objectives:
 To apply academic knowledge in the practical field,
 To observe the working environment in commercial banks,
 To explore present banker-customer affiliation,
 To realize the general function of the bank,
 To establish a bridge between the theories and hands-on processes day-to-day banking
operations,
 To gain practical knowledge by working in different desks of Panthapath branch of
Dutch Bangla Bank Ltd.
3
  To have possible exposures that will be helpful for my future career.

1.4 Scope of the Report:

I have a lot of scope to get a lot of experience because those bank’s manager, supervisor and officers
help me and this report enclosed the overall banking system of Dutch Bangla Bank Limited and also
includes a relationship with the customers with the bank as well as the principals covered by the bank
as a general banking system.

1.5 Methodology of the Report:

Methodology comprises of all the activities that is required to conduct the study and generate it into a
report. This report has been prepared based on data collected from both primary and secondary
sources.

The Primary Sources are-

 Personal observation during the attachment period,

 Practical work experience in different desk of the bank,

 Face-to-face conversation with the respective clients,

 Discussion with senior officers of the Customer Service (CS),

 Applicable documents linked to the study as provided by the officers.

The secondary sources are-

 Periodical published by Bangladesh Bank,

 Annual report of Dutch Bangla Bank Ltd.
 The internet as general sources of information,
 Various book, articles, compilations etc.

1.6 Limitations of the Report:

4
The officers are very cooperative, but sometimes they are too busy to find some time to tell me the
reasons behind their regular activities.
Since I had to prepare this report all by myself, I faced some constraints during the period of my
internship as follows:

Shortage of time: I had to complete this report within 3 months here is a very shorter period of me.
Therefore, it is a limitation of the study, that hampering the course of enormous range.

Inadequate opportunities: All required particular information is not available in any particular
outgrowth of the bank, and there is also small opportunity to visit more than one branch.

Busy working environment: Bank is a busy organization with comparison to others. There are
rushes of people for about whole day and the officers have to handle them. So it is very much tough
for them to allocate time for an internee.

Lack of sufficient well informed officials: Many staffs and members of the branch are not well
informed about different systems of Dutch Bangla Bank. They know but the less. I had to face many
difficulties to collect this information.

5
 Chapter 02
Overview of
The Dutch Bangla Bank

2.1 Historical Background of Dutch Bangla Bank:

Dutch Bangla Bank restricted could be a scheduled bank. The bank is established collectively by
native Bangladeshi parties spearheaded by M Sahabuddin Ahmed (Founder & Chairman) and
therefore the Dutch company FMO. And conjointly established beneath the Bank firms Act 1991 and
6
incorporated as a public Ltd. beneath the businesses Act 1994. In People's of Republic Bangladesh
With the first objective to hold on every kind of banking business in Bangladesh. The Bank is listed
with Dhaka exchange restricted and city exchange restricted. DBBL could be an Asian nation
European personal venture scheduled bank commenced formal operation from June 3, 1996.

DBBL could be a public Ltd. by shares, incorporated in Asian nation within the year 1995 beneath
firms Act 1994. With half-hour equity holding, European nation Development no depository
financial institution (FMO) of European nation is that the international co-sponsor of the bank. Out
of the remainder seventieth, hour equity has been provided by distinguished native entrepreneurs and
industrialists and therefore the rest 100% shares is that the public issue. Throughout the initial
operative year (1996-1997) the bank received talent augmentation technical help from ABN Amor
BankofBangladesh.

DBBL has started its business with foreign Bank. DBBL commenced its business as scheduled bank
with impact from Gregorian calendar month 04, 1995 with one branch Motijheel Branch, Dhaka,
with a maxim to grow as leader within the banking arena of Asian nation through higher guidance
and impact services to purchasers and so to revitalize the economy of the country. All the branches
area unit presently providing really On-Line banking facility. DBBL resumed its operational
activities at the start with a certified capital of Tk. four hundred million and paid up capital of Tk.
202.14 million.

2.2 Nature of Business:

 The bank conducts all types of commercial banking operations.

 The company offers deposit products including savings deposit accounts, current deposit
accounts, short term deposit accounts, resident foreign currency deposits, foreign currency

7
 deposits, convertible and non convertible take accounts, exporter’s FC deposits, and term
deposits.
 The company offers corporate banking services, including project finance and working
capital finance, syndications and structured finance, trade finance, equity finance and social
and environmental infrastructure finance.
 The bank is also providing individual credit, facilities related to local and foreign remittances
and several products related services.
 The outline of the Bank, which is considered to support the fixed income group in nurturing
the standard of living is competitively priced and has been widely appreciated by the
customers.
 This banking services consisting of cash credit, term loans, festival loans, women
entrepreneurs financing, distributor financing and small shop financing schemes.
 It also provides import and export finance, treasury services, debit and credit cards, internet
mobile, and SMS banking services, and Automated Teller Machine (ATM) agent banking
services.

2.3 Dutch Bangla Bank at a glance

Name Dutch Bangla Bank Ltd

Founder M Sahabuddin Ahmed
Foreign Commercial Bank,
Types of Financial Institution Second generation private sector com. bank.

8
Form of Company European private joint venture.
Date of Incorporation July 23, 1995
Date of Starting Operation July 04, 1996 with one branch
Registered Office Senakalyan Bhaban 3rd , 195, Motijheel C/A,
Dhaka-1000, Bangladesh
Name of the Chairman Mr. Abul Hasnat Md. Rashidul Islam
Slogan Your Trusted Partner
Number of Branches 260 (up to 2017)
Services Provided Deposit scheme , Loan & other Banking
Diversification of Products & Services Corporate banking, Retail banking &
Consumer banking
Paid up Capital 202,135,000
Publicity Traded Company Share quoted daily in DSE & CSE
Available Cards DBBL MASTER, VISA & NEXUS
Banking Operation System Both conventional and Islamic banking
system
Telephone (88020)7176390-93
Fax (8802)9561889
E-mail [email protected]
Web-Site www.bddl.com.bd
SWIFT BDDL BD DH

Table 1: DBBL at a Glance

2.4 Hierarchy of Dutch Bangla Bank Limited

Chairman

Managing Director and CEO

Additional Managing Director

9
 Deputy Managing Director

Senior Executive Vice President

Executive Vice President

Senior Vice President

Vice President

First Vice President

Assistant Vice President

First Assistant Vice President

Principle Officer

10
Senior Executive Officer
 2.5 Mission:

Dutch Bangla Bank engineers enterprise and creativity in business and industry with a
commercial to social responsibility. “Profits Alone” do not hold a central focus in the banks
operation, because “man does not live by bread and butter alone.

2.6 Vision:

DBBL’s essence and attribute rest on a cosmos of ability and therefore the, marvel-magic of a
charmed life that abounds with spirit of life and adventures that contributes towards human
development. Dutch Bangla Bank dreams of butter Bangladesh, wherever arts and letters, sports
and athletics, music and recreation, science and education, health and hygiene, clean and
pollution, free atmosphere and specifically a society supported morality and ethics build all our
lives price living.

2.7 Objectives:

The objective of core is Dutch Bangla Bank believes in it uncompromising commitment to fulfill
its customer needs and satisfaction and to become their first choice in banking. Taking cue from
its pool esteemed clientele, Dutch Bangla Bank intends to pave the way for a new era in banking
that upholds and epitomizes its vaunted marquees “Your Trusted partner”.

2.8 Corporate Division:

Dutch Bangla Bank Limited basically deals with three separate departments to provide banking
services. There are-

1. General banking division

2. Foreign exchange division
3. Investment Division

11
Corporate Division of Dutch Bangla Bank

.
Dutch Bangla Bank Limited

General Banking Foreign Remittance Investment

A/C Opening Clearing

Cash Export Import Remittance of Funds

Table 2: Corporate Division of DBBL

2.9 Operation Relation:

It is considered as an essential component for business corporations as it has the ability to bind
the organization together. The culture and values of Dutch Bangla Bank Ltd have been proved as
a competitive advantage for the bank and are acting as a key component to establishing the
relationship between the bank and employees and, in term, between employees and customers.
Culture and values also encourage customers and employees to join with the bank and stay with
them. This bank is one of the most disciplined banks with a distinctive corporate culture. Dutch
Bangla Bank Ltd believes in shared meaning, shared understanding and shared sense making.
Bank’s employees can see and understand events, activities, objects and situation in a distinctive
way. They mold their manners and etiquette, character individually to suit the purpose of the
Bank and the needs of the customers who are of paramount importance to the bank. Dutch
Bangla Bank Ltd has been able to improve organizational performance via improving the
performance of individual contributors, recognizes existing talents to fill up the higher vacancies
within the organization or place them in the right position.

12
 2.10 Social Responsibilities & Economic performance:

Corporate Social Responsibility is becoming an increasingly important activity to business in our

country as well as other countries around the globe. Many of the corporations have progressively
recognized the benefits of providing CSR programs in their various locations. In recent years
CSR has become a basic business follow and has gained a lot of attention from all the involved
farms of the country. The ethics of DBBL for following its activities in social arena possesses
additional momentum along with your enthusiasm and support. Dutch-Bangla Bank Foundation
(DBBF) is systematically following its objective of being active in those social areas wherever
it's required most. the inspiration carries out various social and philanthropic activities within the
field of education, health, conservation of nature, creation of social awareness, rehabilitation of
distressed folks and such alternative programs to redress human sufferings. It conjointly
promotes totally different socio-cultural and sports activities. Board of administrators so as to
discharge its company social responsibilities in an exceedingly bigger perspective continued its
contribution amounting to five percent of Bank’s profit when charging loan loss provision to
Dutch-Bangla Bank Foundation (DBBF).DBBL is socially accountable in varied says. It’s
serving to the society within the following ways:

13
2.11 Footprint of Dutch Bangla Bank:

10

03 10

13

67
08 10

25
09

Fig 1: DBBL Footprint

14
 Chapter 03 3.1 Gene
ral

General Banking
Activities
Of
Dutch Bangla Bank

Banking
Ltd.
All business concerns make a profit through selling either a product or service. A bank does
not produce any tangible product to sell nevertheless does offer a variety of financial services
to customers.

15
 General Banking Department is considered as the direct customer service center. It is the
starting point of all the banking procedure. This department portrays one of the most
important roles in the commercial banks. And this department provides some ancillaries
services and daily services to the customers as well. Every day it receives deposits from the
clients and meets their demand for cash by honoring cheques. It opens new accounts, remit
funds, issues bank drafts and pay orders etc.

A banker and customer relationship to established the first step is account opening. But an
opening account is very crucial for a Bank to selection of customer. The Banker and
customer contractual relationship become create opening of an bank account.

3.2 Components of General Banking

General banking consists of the following sections in the branch. These are as follows:

 Account opening
 Account closing
 Deposits account
 Issuance of cheque book
 Payment order
 Issuance of Debit Card and solve the problems related with the customer
 SMS Banking
 Internet Banking
 Clearing cheques
 Provide foreign remittance services.

3.3 The procedures of opening account

It is said that there is no manager customer relationship if there is no account of a person in that
bank. By opening an account banker and customer create a contractual relationship. However

16
selection of customer for opening an account is very hard for a bank. Dutch Bangla bank opens
three types of account. Savings Account, Student Account & Current or Business Account.

Before opening of a Savings & current account, the following formalities must be completed by
the client

 Applicant fills up the relevant application form in the prescribed manner.

 Applicant is required fill up the specimen signature card if needed

 For individual information is needed by an account holder

 The authorized officers examine the documents submitted

 Issuance of slip and the deposit must be made in cash

 After depositing the cash one cheque book issued.

 Account is opened.

Opening a Student account, formalities are same as savings account but cheque book are not
issued in this account.

General requirement for opening Savings/Business Account

There are few general rules for opening all type of account which is as follows:

 Account opening form to be filled in and signed by the account holders.

 Introduced by an existing account holder with signature, account number, branches,
relationship with account holder, mobile number or any other person acceptable to the
bank.

17
  Two copies of recent passport size photographs of each account holders attested by the
introducer. And NID card photocopy.
 One copy passport size photograph of nominee attested by the account holder. And NID
card photocopy
 Utility bill copy where account holder is living.

Additional documents that required for opening accounts

The rules and regulations to open a new account may differ from person to person, depending the
type of account customer wishes to obtain. First of all, different of customers such as individual,
joint, proprietorship, partnership, private limited company, public limited company, associations,
club, societies, trusts etc can open their various types of accounts according to their requirements
which are as follows:

Individual and Joint Account

 A copy of passport/ national ID card/ driving license/ office ID/ Word commissioner
certificate, any ID acceptable to the bank.
 Attested photocopy of passport with visa for Foreign Currency Account.
 Joint account declaration form for the joint account.
 TIN Certificate.

Proprietorship Account

 Declaration form of sole proprietorship from the bank must be filled up.
 TIN Certificate.
 Submission a copy of trade license.

18
Partnership Account

 A copy of registered partnership deed.

 Submission of a copy of partnership deed.
 Association letter duly signed by all partners.
 Copy of trade license.
 Photocopy of company TIN
 List of partners with full address and phone number.

3.4 To close an Account

 Account holder requires applying in a particular form with full signature.

 He/ she/ they must surrender the remaining cheque book and card issued by the bank.
 Verifying the signature and approved by operational head.
 Closing the account.

3.5 Deposits Account

Dutch Bangla bank Deposits Accounts two types. One is DPS (Deposit plus Scheme) where is
periodically such as 3 years, 5 years and 10 years. And this interest rate is 5.96%. This is very
low interest rate other then Banks in Bangladesh. Additional requirement is one copy passport
size photo and NID or Driving license or passport copy to the account holder and nominee one
copy photo with attested to the account holder and NID copy. And obviously account holder
must be open savings account. Then he/she open or create Deposit account.

19
 Table 3: Rates of Deposit Account

Another is Fixed Deposit Account where is periodically such as 1 month, 3 months, 6 months, 1
year, 3 years, 5 years and 10 years. And this interest rate is fluctuate in periodically. its
Additional requirement is one copy passport size photo and NID or Driving license or passport
copy to the account holder and nominee one copy photo with attested to the account holder and
NID copy. Then he/she open or create Deposit account. Use DBBL authorized Exchange House
to receive remittance with 1% extra bonus. Biometric Fixed deposit are available to the Dutch
Bangla bank.

3.6 Issuance of Cheque Book

Only account holder requisition on the prescribed requisition slip fresh cheque book is delivered
to the account holder. In the cheque book issued previously, bank officer check the account
holder’s signature verification, the bank deputy manager’s authorized there proper
acknowledgement.

20
The In-Charge of the departmental officer’s will receive the request and allow entering the
Departmental Cheque Books Issued Register, and separate foils in the register give account
holders signature. The current account and savings account Cheque Books are around of 20, 50
pages. Create an opening such account, the officers take the customer sign to required a cheque
book requisition slip. He/she will receive a cheque book only 3 workings day if the account
opening form is found complete in all respects. The officers enters the name and account number
of the customer in the DCBIR, the particular cheque book khata, and keeps a record on the
computer database. The requisition slip should be preserved as vouchers of the account holder.
And after 3 working days later Bank Hand over cheque book from the customer. And savings
account cheque requisition rate is 80tk plus 15% VAT. and these amount reduction their own
account.

Bank
Requisition Issuance the
Slip new cheque
occupied up Banker Verifies the book if
accurately Slip everything
along with is the right
the account form
number

Enter the cheque

book number in the
register book of the
specific customer
name

fig 2: Issurance Of Cheque Book

21
The subsequent processes are upheld for issuing of a cheque book

 In the beginning, the clients must have to fill up the cheque requisition form.
 The officer In-Charge enters the name, and account number of the customers in the
cheque book register against the fixed cheque book series.
 Then the officer In-Charge from the deposit department signs the register cheque book
and the requisition slip.

Then the customer receives the cheque book from the officer of the deposit department after the
acknowledgement on the request slip and register book.

3.7 SMS Banking

Dutch Bangla Bank launched SMS Banking services to provide immediate contact to client
account information at any time. Any mobile phone operator having an account of Dutch Bangla
Bank can get the service through the mobile phone upon registration.

Advantages of SMS Banking

 Quick control over the status of the account – the message regarding the transaction is
received immediately.
 Dutch Bangla Bank SMS info service is available for both individuals and corporate
clients and all cards issued by the bank.
 Avoid fraud – Fast information in the case of theft or the card is being used without
proper authorization
 Unlimited messaging service received regardless the number of transactions.
 Control over transactions made using secondary card.
 Dutch Bangla Bank SMS Information service is available in place, in all areas covered by
mobile operators having roaming agreements.

22
3.8 Internet Banking

Dutch Bangla Bank has with pride introduced the ground-breaking "Two issue Authentication
(2FA) Security Solution" that protects a customer's identity associate degreed account info from
access by an unauthorized person. This security answer is intended for web banking third party
fund transfer transactions inside the Dutch Bangla checking account holders.

Only the 2FA registered users will perform the third party fund transfer group action through
web industry.

DBBL 2FA is an extra layer of security that gives a second verification of your on-line identity.
You may get a token that generates a brand new and unpredictable word each sixty seconds. Mix
this range along with your existing user name and word to form group action exploitation our net
services. This verification is finished exploitation Secured ID Tokens. Use of Secured ID Tokens
is as straightforward as coming into a word, however far more secured. This new feature will
increase the safety of your accounts. There are pair of forms of token we tend to are providing to
form a secure group action. These are Hardware and package token.

3.9 Clearing Section

Clearing is a coordination by which a bank can assemble clients fund from one bank to another
through a clearing house. It is a place where the representatives of different banks get together to
receive and deliver cheque with another bank.
Usually, BD Bank performs the Clearing House in Dhaka, Chittagong, Rajshahi, Khulna, &
Bogra. Where there is no branch of Bangladesh Bank, Sonali Bank arranges this function.

As far security is concerned client get crossed check for the transaction. The principal purpose of
clearing section is to operate with safety and security of economic transaction of the financial
instrument like DD, PO, Cheque on behalf of the customers through Bangladesh Bank Clearing

23
House (BCH), Outside Bank Clearing (OBC), Inter Branch Clearing (IBC). This segment
examines in the following way:

 Whether the remunerating bank within the Dhaka city.

 Whether the remunerating bank outside the Dhaka city. Then these cheques can be
cleared by OBC, OBC stands for an Outward Bill for Collection.
 Whether the remunerating is their branch. These cheques can be cleared by IBC (Inter
 Branch Bill for Collection).

Types of Clearing

1. Inward Clearing
Clearing House and
2. Outward Clearing

Fig 3: Types of Cheque Book

Inward Clearing

When the Banks receive cheque drawn on them from other banks in the clearing house, it is
Inward Clearing. When the cheques of its customer are received for collection from other banks,
the following should be monitored very carefully,

 The cheque must be crossed.

 The amount both in words and figure in deposit slip should be same, and it should be
adapted to the amount mentioned in words and figures in the cheques as well.
 The cheque should not carry a date older than the receiving date for more than months.

24
  The collecting bank must check whether the endorsement is done properly or not.
 Instrument (DD/Cheque /PO) comes from principle office.
 Entry in “Inward Register”
 Checking in the computer
 Pay respective order register.
 Sign in the register by authorized officer.
 Cancellation of instrument.
 Send IBCA to Local Office for honored instrument.
 Send return memo, showing cause to office for dishonored instrument.

Outward Clearing

When the bank receive a cheque from its customers drawn on the other Banks within the local
clearing zone for collection through Clearing House, it is Outward Clearing. When particular
branch collects the financial instruments like PO, DD, Cheques within the Dhaka City and not of
their branch, then the Outward Clearing will be functional.

The procedures of Outward Clearing are as follows:

 The instruments with schedules to the principal in the event of any of Dutch Bangla Bank
Ltd after issuing an Inter Branch Debit Advice (IBDA)
 Clearing stamps should be attached to the instruments,
 The authorized signature endorses instruments,
 The customer receives the duty signed instruments and also branch code number affixed
on the instruments,
 Entry in the Outward Clearing Register,
 Receipt of an instrument with paying in slip,
 Affixing of seal,
 Special crossing seal,
 Clearing seal (Instrument & Paying in slip)
 Endorsement seal with signature,

25
  Separation of the instrument from paying in slip,
 Sorting of instrument bank wise and branch wise,
 Preparing for schedule as per branch,
 Preparation Banking program,
 Preparation of clearing house sheet,
 Details of the instruments and vouchers are recorded in the “Outward Clearing” register,
 Sending instruments to the main branch with the schedule.

3.10 Remittance Section

The word ‘Remittance’ means the distribution of money from one place to another place through
a post and transmits. Money- making banks represents this facility to its clients using unloading
money from one branch of the bank and making an easier arrangement for payment to another
branch within the country.
The main function of remittance department is to transit the money from one place to another
place to minimize the risk associate with handling cash. I have learned the various mechanism of
remitting fund. There are three ways of paying fund.
1. Payment Order (PO)
2. Demand Draft(DD)
3. Telegraphic Transfer (TT)

Payment Order

It is a non-negotiable acclaim document. It is usually used as a substitute for cash. It can also be
recycled as the safety of the loan. A bank concerns he pay-order in term of a quantified charge o
safely altercation of money. For transmitting money, pay-order can be used as cheques where the
client of other banks can easily credit through clearing the pay-order.

This is the appliance allotted by the branch of a bank for permitting the customer to remuneration
certain amount of money to the order of an individual/ association/ branch/ workplace within the
same clearing house area of the pay order-issuing branch.

26
Pay Order has various kinds of features

 The issuing branch and the paying branch must have to be same.
 Application for payment within the clearing house area of the issuing branch.
 This may be open or can be crossed.

Procedures for Pay Order payments

 Examine genuinely of the pay order.

 Enter in to pay order register and give conra entry.
 Debit if the fund is ok for payment

Demand Draft

Demand Draft is similar to the telegraphic transfer except using an application note for moving
money from branch to branch of Dutch Bangla Bank Ltd.
Demand Draft is a kind of bill of exchange. It is the most commonly used way of inland
remittance. It is a complete instruction of the bank to pay a certain amount of money from one
branch to another branch as per application. While transferring the money safely from one city to
another city, individuals use DD since it can transfer the money between the different branches
of the same bank easily and fast. If a significant total is required to be moved from one place to
another, then a customer can request to do the DD and bear I to his destination instead of cash.

Issuing procedure of Demand Draft

27
  Acquiring demand draft application form which is correctly filled in and signed by the
applicant.
 Receiving the amount of transfer as per suggested form the commission and postage
charge,
 Inserting test number.
 Entering in the D.D register.
 Issuing advice to the payee branch.

Payment procedures of Demand Draft

1. Examine generally of the demand draft viz. the amount, verify the signature, request, test,
series, etc.
2. Entering in the demand draft payable register,
3. Verifying with the IBCA (Inter Bank Credit Advice)
4. Passing necessary vouchers.

Telegraphic Transfer

Telegraphic Transfer is an instrument for transferring money by a telephonic message or telex

from one bank to alternative of unlike locality or from one branch to another branch of altered
place of the same bank. Mostly, it is an instruction from importer’s bank to the exporter’s bank
or some other bank in the exporter’s country to a named person. And it’s not available now.

Telegraphic Transfer is the most speedy and convenient but expensive method. There are
different types of telegraphic transfer such as Fax, Mobile, Telephone, Telex, and Telegram.

28
 Chapter 04
Internship Duties,
Responsibilities &
Learnings

29
4.1Functions and Responsibilities as an Intern

As a student of BBA with the basic of my course, For my internship, I was founded Dutch
Bangla Bank Ltd to Panthapath Branch from Dhaka. On the General Banking sector, I am there
apportioned. To work Subsequently, my duties all are on general banking activity. In the course
area, practical experience gathered where it is essential for anyone. In this three months
internship program, I have learned many things about General Banking. Every bank employees
helped me to understand the work efficiently. Throughout my Internship period, I have operated
in different units. I have worked from 10.00 am to 5.00 pm everyday in my internship programs.

Work Description
Works I have done in Dutch Bangla Bank
1. Fill up Account opening forms Savings Account
2. Fill up Account opening form of Current Account
3. Fill up Account opening form of Student and Salary Account
4. After receiving cheque requisition slip have to put branch seal & endorsement seal
5. Have to entry the client’s name along with account no &ATM Card no on register copy
6. Have to phone to a client to collect their cheque books
7. Have to sequence all the closed form twice a month
8. Phone to the client for ATM Card & PIN Collection
9. Remittance Services provided to the customer

Table 4: Work Description

4.2 Learning’s from Dutch Bangla Bank

The learning’s from Internship program was a different practice since such event is very
firsthand in a student’s liveliness

30
  Whether it is woke up early in the morning or getting a task done on time, punctuality is
essential. It shows that I am devoted to my work, and that I am capable of all
responsibility.
 I have known many banking activities, such as opening an account and closing an
account, taking the profit and transferring and also deal with various types of customers
and different situations.
 I have learned to subject a bank’s documents and formulate an attachment report.
 Within the period, I had to deal with different designated employees and staffs of the
branch and various types of customers. I witnessed different kinds of situations.
 I have come to know that how the environment of an office is and how to deal with
employees and customers.
 This experience undoubtedly made me prepared for my next corporate life.

4.3 Internship experience

The banking sector and their activities all are learned to me. Since all times my focus was in
General Banking, so I was more involved with this sector, rather then another department. Now,
it is obvious to me how Dutch Bangla Bank Ltd. operates on the ground of general banking in
Bangladesh. This Internship experience is going to help me much to build my career. My
proficiencies are as bellows:

 I educated myself how the procedures of opening several accounts in Dutch Bangla Bank
Limited.
 I also learned the ways of closing an account.
 I got to know the importance of providing information to the client.
 I learned the way about how Dutch Bangla Bank provides the information to their client.
 Authenticate sign in different dispute was one of my learning’s from the bank.
 I practiced the formalities to issue Demand Draft.
 I learned how to issue cheque book.

31
All this above knowledge point will be supportive for my forthcoming. Those will be
cooperative for my career. As I have sophisticated many things, I can use them on my position to
run quicker on the job market.

4.4 Problem Faced in the Workplace

Dutch Bangla Bank of Panthapath Branch deals with many reputed clients. Customers are
satisfied with their banking services. Dutch Bangla Bank has expanded its business very quickly
but they have some limitations. If Dutch Bangla Bank is able to overcome these limitations, they
can grow more. The limitations that I have observed during my internship period are on the
bellow:

Lack of skilled employees

Dutch Bangla Bank of Panthapath Branch has enough employees to provide quality services to
its customers. But according to the work pressure and responsibilities, many employees in this
branch are not very skilled. Sometimes they provide wrong information to the customers and
they become puzzled as they take long time to do any task such as closing account, giving cheque
book etc. These problems mainly occurred in General Banking.

Analog Cash Department

In today’s technology, Dutch Bangla Bank practices old deposit system and there were always 6
cash officers in the Cash for the payment of cheque and receiving money for deposit and
customer has to stand in long queue and time a lot of time to deposit the money. Man power
shortage problem is the regular scenarios in this branch, as result productivity of the employees
are low.

Shortage of Instruments

In this branch, there is huge shortage of printers. As a result, employees don’t provide value
services to customers most of the time.

32
4.5Issue Analysis with Relevant Theory

Current Ratio

Current ratio measures a company’s ability to meet its short term crises with the help of its short term
assets, cash. Failure to meet these short comings may limit the company’s future access to credit and
thus leverage options and growth. The higher the ratio, the better the company’s ability to deal with
short term crises. From the analysis it shows that Dutch Bangla Bank had current ratio of 1.110 in
2012, as in the next year the current ratio increased but it did not increased in the following years. So
it’s not good for the bank and they should improve the current ratio. Compared to its competitor
they are doing much better than Dutch Bangla Bank-

Earnings per Share (EPS)

Earnings per share are a market prospect ratio that measures the amount of net income earned per
share of stock outstanding. It shows how profitable a company is on a shareholder basis. Over the
last five years it shows that the EPS of Dutch Bangla Bank is not stable. In 2013 the EPS was 1.98
and the following year it was 1.63. Again in 2015 the EPS was 1.92 and the following year was 1.48.
And this shows that EPS is not stable. Earnings per share, is a market prospect ratio that measures
the amount of net income earned per share of stock outstanding. Comparing to its competitor they
are doing good.

Return on Assets (ROA)

Return on assets shows the percentage of profits the company earns in respect to its overall
(total) assets. It determines how efficiently the company can manage its assets to generate
profits. From the analysis, it can be seen that the company had an ROA of 1.40% in 2013 but in

33
the following year it decreased to 1.04%. Again in 2015 ROA was 1.15% and in the following
year it decreased to 0.84%. It shows that ROA of Dutch Bangla Bank is not stabled which is not
much by standards, when compared to other competitors in the market.

Return on Equity (ROE)

Return on equity measures the company’s profitability by computing how much profit a company
generates with the money shareholders have invested. From the analysis, it can be seen that the
company had an ROE of 13.43% in 2013 but in the following year it decreased to 10.18%. Again in
2015 ROE was 11.34% and in the following year it decreased to 8.68%. It shows that ROE of Dutch
Bangla Bank is not stabled which is not much by standards, when compared to other competitors in
the market.

34
 Chapter 05 5.1

Analysis & Findings

Of
Dutch Bangla Bank
Ltd.
SWOT Analysis

SWOT analysis is a procedure that classifies an administration’s strengths, weaknesses,

opportunities, and threats. Using conservational data to estimate the focus of a company, a

35
SWOT analysis defines what supports the firm in completing its objectives, and what hindrances
must be overwhelmed or else diminished to attain preferred results: where the organization is
these days, and anywhere it may be stood in the forth coming.

Strength

The high point of Dutch Bangla Bank Limited, Panthapath branch that can be invention out since
the SWOT analysis that is followed:

 Among clients and regulators to earn good reputation surrounded by a brief period in that
panthapath area.
 Dutch Bangla bank Limited, Panthapath branch has the repute of existence the provider
of high-quality facilities to its customers.
 It has grown quite rapidly in all sperate of banking services.
 To give comparatively greater provide on deposits in saving schemes that other banks.
 Quite practicalof all Service controls.
 High growth in the revenues and payment sub-division of the bank has already shown.
 The number of deposits and the loans and advances are also increasing rapidly.
 The working environment is very first, interactive and formal. And while the superior and
the employees are communicating, there are no hidden barriers or boundaries.
 An incredible motivating factor among employees are involve the corporate culture
works.

Weakness

The feebleness of Dutch Bangla Bank Limited that I identified that is below:

 Lack of proper inspiration, training and job rotation.

36
  Inadequate publicity and advertising of bank’s products and accomplishments.
 In general banking unit, they follow the traditional banking system. The complete general
banking procedure is not fully computerized.
 According to individual customer, opinion introducer is one of the complications to open
an account. If a person who is entirely new to the city wants to initiate an account, it is a
delinquent for him/her to assemble an introducer of accounts holder.

Opportunity

The opportunities that are available for Dutch Bangla Bank Limited to explore itself are
followed:

 They can expand their marketing side to emphasize out the branch.
 Furthermore of those things, Dutch Bangla Bank Limited can announce superior
corporate pattern for the commercial client or offer who have a sophisticated income
level from the service holder.
 The growth of global economy and Bangladesh’s foreign trade in the coming years can
provide tremendous growth opportunities.
 Online banking facilities can make the operation of the bank more efficient.
 Expansion of banking services into other different services.

Threats

 The macroeconomic situation of the country can deteriorate.

37
  The reduction of BDT again major currencies (USD, EUR, JPY) is a significant hazard to
foreign exchange transaction and profitability.

 Intensifications of rivalry in the industry.

 All sustaining and upcoming multinational, foreign and private banks pose enormous
threats to Dutch Bangla Bank Limited, Panthapath branch.
 The little compensation package of the employees from the mid-level to the low-level
position is a reason for threats employee motivation. As a result, quality employees leave
which affect organization as a whole.
 The Government has been controlling industrial credit.

5.2 Survey analysis

The service quality department of The Dutch Bangla Bank Limited maintains the services of
every branch by survey. This work is done by the interns of every branch and has to submit the
form every week at least 10 customers. As an intern of Panthapath branch my duty was to
observe the overall branch and their services. Here is the result of overall performance of
Panthapath branch in terms of customer satisfaction is as follows:

Question – 1

38
 Did our officer serve you as you expect?

90.00%
80.00%
70.00%
60.00% 88.76%
50.00%
40.00%
30.00%
20.00% 11.24%
10.00%
0.00%
Yes No

Fig 4: Satisfaction level of customers

According to customers survey 86.25% customers are satisfied about the service of the branch.
but 13.75% are not satisfied. Sometimes bank officers are so much busy of the other works at
Panthapath branch. Because this branch are so small other then branch. And employees are few
thatswhy one officers are maintain whole work of the general banking sector. sothat the
customers have to wait for a long time and they don’t like to wait. We are all know that the
banking services are lengthy process, so customers must have to wait for their services. So some
people are shouting sometimes.They were pressure to the officers and cannot wait for a long
time. so this reason some people leave the place without taking services.. That’s why they didn’t
get the services as they expect.

Question -2

39
 How would you rate the overall service of this branch?

70.00%

60.00%

50.00%

40.00% 60.49%
30.00% 39.59%
20.00%
0.00%
10.00%

0.00%
Good Average Poor

Fig 5: Overall service of Panthapath Branch

According to the survey 65.89% customers are satisfied with the overall services of Panthapath
branch. On the other hand 34.11% customers are average satisfied. This average satisfy
customers are most of the waiting customer. And another reason, there waiting seats are limited
so the customers did not sit there. Because they have to wait when the seats will be available for
them. But one positive side is that there is no customer who is totally dissatisfied with the
services of Panthapath branch.

40
Question-3

What do you think about the timeliness of receiving the desired

services?

60.00%

50.00%

40.00%
56.80%
30.00% 42.33%
20.00%

10.00% 0.87%
0.00%
Good Average Poor

Fig 6: Timeliness of service

As we are know that all the banking services are lengthy process so sometimes it takes a long
time to finish services. Many times 2 or 3 years old files have not find out from storage. So this
is not an easy task to find the old files. And thats why sometimes many customers have to wait
for long time. But the customers and bank employees whole are not ready to wait for so long.
That’s why 7.44% customers rated poor and 42.33% average. It means that all customers are not
wholly satisfied with the service of panthapath Branch.

41
Question-4

How would you rate the premises of this branch?

100.00%
90.00%
80.00%
70.00%
60.00% 93.16%
50.00%
40.00%
30.00%
20.00% 0.00%
6.84%
10.00%
0.00%
Good Average Poor

Fig 7: Premises of Panthapath Branch

As the Panthapath branch 97.47% customers liked the branch but unfortunately 2.53% customers
didn’t liked it. Because most of the custmer are aged people, there are renovated recently so the
premises is decorated perfectly by using modern accessories. That’s why, its very first day it had
only one floor. So it becomes to take the stairs to reach at the first floor, it is very difficult for the
aged people. Thats why 100% customer are not premises of this panthapath branch.

42
Question-5

What is the best thing you like about our product/feature?

30.00%

25.00%

20.00%

29.26%
15.00% 26.94%
20.83%
10.00%
12.33%
10.64%
5.00%

0.00%
CA/SA FDR Loan Amex Others

Fig 8: Best product of Dutch Bangla Bank Limited

According to the survey 45.10% customers like to open current account and the savings account.
Daily 5-9 CA and SA are opening to the branch officer. The facilities are more of opening
accounts other than other banksin DBBL. So the customers come to the branch and open in
DBBL various account. After the lowest rate is in Amex is 4.50% because the this rate decreased
and other banks are providing high interest rates. On the other hand Loan are rated 25.50%. The
other products are-internet banking, Nexus card, VISA & MASTER card etc. among them
sanchayapatra is not Available in this branch but other branch it is available. Loan Facilities is
the most popular product of DBBL because only Dutch Bangla Bank has the facility to purchase
Home oan, car loan, etc loan according to Bangladesh Bank’s rate. That’s why customers prefer
this service as no other bank is giving this kind of facilities.

43
 5.3 Problems Found In DBBL Panthaath Branch
The problems existing in this are many and explained as follows:

1. Time consuming is the present system for both the bankers as well as the clients. In terms
of bankers, other employees have to founded a lot of files in short time. To searching the
particular transaction, but it it is backdated to the system. That why the clients, they have
to wait in a long time. So customers are angry to the branch officers.
2. During a busy hour creates a negative situation thats why some cases not paying attention
the customers.
3. Some times customers do not create appropriate attention. Even though these customers
are not account holders of the bank, they talk negative word of their mouth of the bank
environment and its overall quality service of the banks are hampered in this situation.
4. Customers did not get that they are waiting for a long time like half an hour or more
times for receiving their services.
5. In this floor, there are limited waiting seats get the panthapath branch. Some times where
the branch is fullfill, the customers have not sit. So, customers ae stand up for a long
time.
6. There is token system in panthapath branch but customer do not maintain this services.
So, it is very difficult to find out the officer, who comes first and whose last and the
customers become angry if the last person gets the service first.

44
5.4 Other Findings:

 The Dutch Bangla Bank is much centralized. Branch office described to get authorization
from the head office, for every work in bank. The head office controls every branch
office very tightly. This reason is very slow down because of their dependence on head
office for their activities.
 The bank is not still technology updated. Especially, in general, banking department, they
follow the traditional banking system. The entire general business procedure is not fully
computerized.
 Call center team often provides inadequate or incorrect information to the customers. So
customers are dissatisfied from DBBL services.
 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 to initiate an account in that bank.
 Dutch Bangla 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.

45
 Chapter 06
Recommendations &
Conclusion

46
 6.1 Recommendations

The banks are in reality service administrations. Dutch Bangla Bank Limited has certain
complications in General banking events. I would like to bid several proposals and endorsements
to overwhelm the difficulties relating the topic mentioned above of Dutch Bangla Bank and also
to improve the performance of Dutch Bangla Bank regarding general banking. The following
recommendations are not decisions, rather they are only propositions to progress the

Performance to accomplish the customer contentment so that, the clients pay more attention to
Dutch Bangla Bank. Now, in below some endorsements are mentioned:

 Branch should introduce a smoother function to deal with the customer.

 Adding a fully computerized general banking system to satisfy the customers by
providing faster service.
 Establishing a networking system inside the branches to transfer data within a short
period.
 Cancel the introducer system to collect more deposit through the new account which will
result satisfying the customers.
 Upgrading the general banking conveniences rather than the conventional banking
system for easier understanding.
 Setting up sophisticated technology and formulating appropriate programs to develop the
captioned activities.
 The bank should increase their staff according to customer demand,
 The bank must deliver rapid client service to escape haphazardness.
 There is no facility of working out for intern students. They can introduce workspace or
seminar for short term period training for an intern that will enrich the recital and
knowledge of the intern students.
 Every branch should have their capability about the power system and internet
connectivity for diminishing the service down time.

47
 6.2 Conclusion

Every bank’s has their unique strategy, which jumper’s cable to their aim. Some wishes to
develop quicker and attain some long range mountains of growth. On the other hand, some can’t
want to lead a silence life history minimizing the risk of infection and convoy a mental image of
a sound bank. Bank Dutch Bangla Bank Ltd. is still quite new in its operation. The financial
analysis of the bank is performing well; appears the bank is doing very well in the banking sector
of Bangladesh and has well-to-do.

Dutch Bangla Bank Ltd Panthapath Branch is working well. However, there are some
downsides in realizing the different tasks manually; it can be overcome through the involvement
of more experts in decision making process and utilizing the tools to judge the integrity of the
customers. In conclusion, it can be discussed that over the results accomplished so far are not
reasonable, why the bank is not expanding a modern systematic procedure for attractive its asset
and there is the chances to make it more actual in the future for their benefit.

The intention of the placement program is to expand knowledge of practical banking and to
compare this concrete knowledge with academic experience. Throughout, the three months of an
internship program, it is not probable to drive to the wisdom or each activity of division because
of time limitation. So, objective of internship program have not been fulfilled with complete
satisfaction. However, the highest effort has been given to achieve the aims of the internship
program.

I think this report may show a guideline to Dutch Bangla Bank Ltd. for future planning and
successful operation to accomplish its goal in the competitive business environment.

48
Chapter 07

Reference

49
7.1 Referance:

1. "Brief History". (2018). Retrieved march 25, 2018, from Dutch-Bangla Bank Limited
[BD]: https://www.dutchbanglabank.com/about-us/brief-history.html
2. B. (2018). Retrieved from http://www.assignmentpoint.com/arts/sociology/social-
responsibility-of-dutch-bangla-bank.html
3. Credit Definition | Investopedia, http://www.investopedia.com/terms/c/credit.asp
4. Cheque. (n.d.). Retrieved from Wikipedia, the free encyclopedia:
https://en.wikipedia.org/wiki/Dutch_Bangla_Bank
5. Dutch-Bangla Bank Limited, All Forms, Untitled-5-deposit_plus.pdf,
http://www.dutchbanglabank.com/forms/retail/deposit_plus.pdf
6. Dutch-Bangla Bank Limited, All Forms, Auto Line [Converted] ai-Auto_line.pdf,
http://www.dutchbanglabank.com/forms/retail/Auto_line.pdf
7. Dutch-Bangla Bank Limited, All Forms, Untitled-5-home_line.pdf,
http://www.dutchbanglabank.com/forms/retail/home_line.pdf
8. https://www.dutchbanglabank.com/schedule_charge/schedule-of-charges.pdf (2017,
February 3). Retrieved from
9. http://dspace.bracu.ac.bd/xmlui/bitstream/handle/10361/4709/Shabnam
%20Shirin_13164014.pdf?sequence=1&isAllowed=y
(2015, December 20). Retrieved from
10. (n.d.). Retrieved from https://www.academia.edu/3217128/Internship Report Dutch
Bangla Bank Limited Operation Evaluation and Credit Management
11. Online banking . Retrieved from https://www.dutchbanglabank.com/internet-
banking/2fa-guidelines.html
12. Press Releases · Sponsorship & Events · Download Forms · Request for Proposal · EMI
Calculator. (n.d.). Retrieved from http://bankinfobd.com/banks/17/Dutch_Bangla_Bank
13. T. (2017, December 27). Retrieved from
http://www.assignmentpoint.com/business/internship-report-on-customers-satisfaction-
towards-ific-bankltd.html

50
Chapter – 8
Appendix

51
8.1 Appendix:

52
Survey Questionnaire

53