Ahsanullah University of Science and Technology (AUST) INTERNSHIP AFFILIATION REPORT ON Performance & Activities of Foreign Exchange of Janata Bank Limited An Internship Affiliation Report Presented to the School of Business Administration in Partial Fulfillment of the Requirements for the Degree of Bachelor of Business AdministrationSupervised by:

Ms. Salma AkterLecturerSchool of businessAhsanullah University Of Science and Technology

Submitted By:Mohammad Ashikur RahmanBBA program, 2014 (25th Batch)ID: 10.01.02.108Major: AccountingSchool of businessAhsanullah University of Science & Technology

Date of Submission: August 14, 2014

INTERNSHIP AFFILIATION REPORTON Performance & Activities of Foreign Exchange of Janata Bank Limited

Letter of TransmittalAugust 14, 2014

Ms. Salma AkterLecturerInternship SupervisorSchool of businessAhsanullah University of Science & Technology

Sub: Submission of Internship Affiliation Report

Dear Madam,I am submitting my internship affiliation report on the topic Performance & Activities of Foreign Exchange of Janata Bank Limited to you within the given time allowed to me by you. I just tried my level best to participate, observe and identify the Banking activities, specifically on the Foreign Exchange Department of Janata Bank Ltd. It has written it down in this report from my own experience. For preparation of this report I collected as much information as possible from the Foreign Exchange Department of the bank.During the course of my practical orientation I have tried to learn the practical banking activities to realize it with my theoretical knowledge, which I have greathearted and going to acquire from various courses of my BBA program.

Yours Sincerely,

Mohammad Ashikur RahmanBBA Program, 2014 (25th Batch)ID: 10.01.02.108Major in Accounting School of BusinessAhsanullah University if Science & Technology

AcknowledgementCompletion of anything need support & help. I am very much fortunate to get the sincere guidance and supervision from a number of persons. My sincere gratitude goes to As an internee of JBL, I have truly enjoyed my internship from the learning and experience viewpoint. I am confident that this three months internship program at JBL will definitely help me to realize my further carrier in the job market. Without his supportive hand and recommendations, it would be difficult for me to complete this Report.

Letter of Endorsement

The Internship Affiliation Report entitled Performance & Activities of Foreign Exchange of Janata Bank Limited has been submitted to the Office, in partial fulfillment of the requirements for the degree of Bachelor of Business Administration, Major in Accounting, and School of Business on 14th August by Mohammad Ashikur Rahman ID: 10.01.02.108 The report has been accepted and may be presented to the Internship Defense Committee for evaluation.

Supervisory Committee___________________MS. Salma AkterLecturerInternship SupervisorSchool of Business Ahsanullah University of Science & Technology (AUST)

TABLE OF CONTENTSContentsPage No.

Internship Affiliation Report

01-02

Letter Of Transmittal

03

Acknowledgement04

Letter Of Endorsement

05

Title Report

07

Introduction

08-13

Activities Undertaken

14-25

Challenges & Proposed Course of Action & Improvement

26-29

Lessons Learned From Internship

30-31

Concluding Statement

32-34

Suggestions

35-36

Appendix37-38

Chapter -1

TITLE OF THE REPORT:

Performance & Activities of Foreign Exchange of Janata Bank Limited

CHAPTER -2

Introduction

2.1)Rational of the Report A bank is financial intermediary a dealer in loans and debts. After completing my Bachelor of Business Administration (BBA) as a student of Ahsanullah University of Science & Technology I got the opportunity to perform my internship in the JBL as an intern. The internship report on the topic Performance & Activities of Foreign Exchange of Janata Bank Limited is prepared. I have selected Foreign Exchange department of Janata Bank Limited because here all international transaction occur through Import and Export. And anyone can easily trade with other foreign countries through L/C. So I have tried to represent their performance and prospects on the ground of foreign trade. I choose this topic to know overall foreign trading system and currency exchange policy

2.2Historical Background of the Organization Janata Bank Limited is the 2ndlargest state owned commercial bank in Bangladesh. Immediately after the emergence of Bangladesh in 1971, the erstwhile United Bank Limited and Union Bank Limited were named as Janata Bank. It was established under the Bangladesh Bank order 1972. During the privatization process it was incorporated as a public Limited Company on 21 May, 07 vide certificate of incorporation No-C66933(4425)07. The Bank has taken the over the business of Janata Bank at a purchase consideration of Tk. 2593.90 million as a going concern through a vendor agreement signed between the Ministry of Finance of the Peoples Republic of Bangladesh and the Board of Directors on behalf of Janata Bank Limited on 15thNovember 2007. Janata Bank Limited operates through 851 branches including 4 overseas branches at United Arab Emirates and a subsidiary company named Janata Exchange Company Srl in Italy. It is linked 1202 foreign correspondents all over the world.

2.3) Branches There are 851 branches of Janata Bank Limited in home and abroad. Among them 443 branches are situated in urban areas including four foreign branches and 408 branches are in rural areas. And all foreign branches are situated in United Arab Emirates. DivisionTownRural zoneTotal

Dhaka16282244

Chittagong10088188

Rajshahi80131211

Sylhet223658

Khulna7571146

Overseas404

Total443408851

Overseas Branches

SL.No:CityNo of BranchStatus

01.Abu Dhabi01Foreign

02.Al-Ain01Foreign

03.Sharjah01Foreign

04.Dubai01Foreign

Total04

2.4)ManagementLike every other business organization, the top management makes all the major decisions of Janata Bank. The board of directors being at the highest level of organizational structure plays an important role in policy formulation, but it is not directly concerned with the day-day operations of the bank. They have delegated this duty to the management committee. The board mainly establishes the objectives and policies of the bank. One chairman, eleven directors, one CEO & MD and one company secretary are consist of Board of Directors of Janata Bank Limited.Mid and lower level employees get the direction and instruction from the Board of Directors about the duties and tasks they have to perform. The chief executive provides the guideline to the managers and employees, but delegates responsibility for determining how tasks and goals are to be accomplished. As per decision of the govt. 46 (Forty Six) branches of our bank (40 branches in Dhaka city, 1(one) branch in Narayongonj city and 5(five) branches in Chittagong city) are involved to receive the all utility bills in a same station from January04.

2.5) Mission & Vission

2.5.1) MissionTo be recognized as the leading commercial bank in the Bangladesh market providing retail and corporate banking services and as a trusted and respected partner in the social and economic development program of our nation.

2.5.1)VisionThe vision of Janata Bank Ltd. is to become effective largest commercial bank in Bangladesh, to support socio-economic development of the country and to be a leading bank in South-Asia.2.6)Scope of the Report This study would focus on the following areas of Janata Bank Limited. Actual Foreign Trade management of Janata Bank Limited. Overview the current procedure of export & import management. Opening LC and maintenance of other formalities of foreign trade. Organizational structures and responsibilities of management. Each of the above areas would be critically analyzed to determine the proper efficiency of Janata Banks Foreign Trade Management system

2.7)Limitation of the Study

2.7.1)Time limitation: It was one of the main constraints that affected covering all aspects of the study

2.7.2)Lack of Secondary Information: The import export data of Bangladesh is not much available over the net. Secondary sourceof information was not sufficient for the completion of the report. Much confidential information was not disclosed by respective personnel of the department

2.8) Objectives:

2.8.1) Broad objectives:

To analyze the real Foreign Exchange performance of Bangladesh. To know the Foreign Exchange Import and Export guideline, police, rules and regulation of Bangladesh.

2.8.2) Specific objectives

To know about LC. To learn about LC opening procedures. To know about the use of Invoice in LC. To know the current procedure of export & import and remittance. To learn maintaining of other formalities of foreign exchange. To know how to exchange currency. Overall knowledge of export import system. To find out how Foreign Trade and Foreign Exchange is operating in Bangladesh. To relate the theoretical learning with the real life situation. To find out the strengths, weaknesses, opportunities and threats of Foreign Trade and Foreign Exchange of Bangladesh. To know how to control the foreign trading system

Chapter -3

ACTIVITIES UNDERTAKEN

3.1) Work- Related:

I started my internship program in Janata Bank Limited, on 5th May, 2014. As my topic of internship report is Performance & Activities of foreign exchange of Janata Bank Limited, Tajgaon industrial area (TIA) Branch. I am going to describe about Foreign Exchange. I had plenty of opportunity to work and understand the sectors of Foreign exchange. I had done many things as an intern, such as opening different types of accounts ( current account, fixed deposit account), then I used to check the LC form or others accounts form whether it was correct or not because I had noticed in their internal audit report and found that there was several mistakes for not fulfilling the form properly.

3.1.1) Foreign Exchange:Foreign exchange department of Janata Bank Limited is one of the most important departments among all departments. This department handles various types of activities.

.3.2) Organization Wide:

Foreign Exchange Department

Foreign Exchange means exchange of foreign currency between two countries. If we consider Foreign Exchange as a subject, then it means all kinds of transaction related to foreign currency. In other words, foreign exchange deals with foreign financial transactions.The Foreign Trade and foreign exchange are categorized as follows: Foreign Remittance Import Export 3.2.1) Foreign Remittance

Remittance means transfer of fund from one place to another and when money is transferred from one country to another then it is called Foreign Remittance. Janata Bank is an authorized dealer to deal in foreign exchange business. As an authorized dealer, a bank must provide some services to the client regarding foreign exchange and this branch provides these services through foreign remittance department. The basic function of this department is outward and inward remittance of foreign exchange from one country to another country. In the process of providing this remittance service, it sells and buys foreign currency.Comparison foreign remittance Janata Bank Ltd Tajgaon Industrial Area (TIA) Branch from 2009-2013

Foreign Remittance of Janata Bank Ltd

Year(Taka In Lac)

2009489.04

2010689.34

2011994.05

2012552.21

2013573.13

3.2.2) Remittance Procedures Of Foreign Currency:

There are two types of remittance: Inward remittance Outward remittance

3.2.2.1)Inward Foreign Remittance:Normally, Inward Foreign Remittance comprises all incoming foreign currencies. Remittances issued by the correspondent banks situated in the foreign countries and thereby drawn on Janata Bank, Tajgaon Industrial Area (TIA) road Branch are considered to be its Inward Foreign Remittances. Followings are the Inward Foreign Remittances, Janata Bank Tajgaon Industrial Area (TIA) road BranchThe term inward remittances includes not only remittances by TT., MT., Drafts etc. but also purchases of bills, purchases of drafts under travelers letter of credit and purchases of travelers cheques. Foreign currency notes against which payment is made to the beneficiary also a part of inward remittances. Thus the following are the Mode of inward remittances:

Telegraphic Transfer. Mail Transfer. Foreign Drafts. Travelers Cheque. Foreign currency notes. .

3.2.2.2) Outward foreign Remittances:

The remittance in foreign currency which is being made from our country to abroad, is known as foreign outward remittance. Remittances issued by Janata Bank Tajgaon Industrial Area (TIA) Branch to their foreign correspondents to fulfill their customers needs are considered to be the Outward Foreign Remittances. It comprises the followings:

FDD Issued FTT Issued TC Issued Endorsement of foreign currencies in the passport. Sale of foreign currencies

3.2.3) Import Of Janata Bank Ltd.:An import is any good or service brought into a country from another country in a fair and acceptable fashion, typically for use in trade. Imported goods or services introduce domestic consumers to newer things by foreign producers. Companies usually import goods and servicesto supply to the domestic market at a cheaper price and provide goods that are superior compared to goods manufactured in the domestic market.

Comparison import of Janata Bank Ltd Tajgaon Industrial Area (TIA) Branch from 2009-2013 Import of Janata Bank Ltd

Year(Taka In Lac)

200981.04

2010198.49

20113387

20122178.87

20131713.48

3.2.3.1) Import Operations underL/C:

Procurement of IRC from the concerned authority. Signing purchase contract with the seller Requesting the concerned bank importers bank/ issuing bank to open L/C on behalf of importer favoring the exporter/ seller/ beneficiary. The issuing bank open/ issue the L/C in accordance with the instruction/ request of the importer and request other bank (advising Bank) located in sellers/ exporter to advise the L/C to the beneficiary. The issuing bank may also request the advising Bank to confirm the credit, if necessary. The Advising Bank advises/ inform the seller that the L/C has been issued. As soon as the exporter/ seller receive the L/C and is satisfied that he can meet the L/C terms and conditions; he is in a position to make shipment of the goods. After making shipment of goods in favor of the importer the exporter/ seller submit the document to the negotiating bank for negotiation. The negotiation Bank scrutinized the documents and if found ok negotiates the documents and sends the documents to the L/C issuing Bank. After receiving the documents the L/C issuing bank also examines the documents and if found ok makes payment to the negotiating bank. The L/C opening bank then requests the importer to receive the document on payments The importer after paying all dues receives the documents from the L/C issuing bank and then releases the importer goods from the port authority.

3.2.4) Export Of Janata Bank Ltd:Export is the process of selling goods and services to the other countries. A good or service that is produced in one country and then sold to and consumed in another country. Because many companies are heavily dependent on exports for sales, any factors such as government policies or exchange rates that affect exports can have significant impact on corporate profits. A good produced in one country and sold to a customer in another country. Exports bring money into the producing country; for that reason, many economists believe that a nation's proper balance of trade means more exports are sold than imports bought. Bangladesh exports a large quantity of goods and services to foreign households. Readymade textile garments, Jute, Jute-made products, frozen shrimps, tea are the main goods that Bangladeshi exporters export to foreign countries. Garments sector is the largest sector that exports the lion share of the countrys export.

Export Growth of Janata Bank Limited (2009-2013)

Export Growth of Janata Bank Ltd

Year(Taka In Millions)

200970897

201071855

201185418

201288653

2013118515

Documents Used In Export: EXP form, ERC (valid), L/C copy, Customer Duty Certificate, Shipping Instruction, Transport Documents, Insurance Documents, Invoice, Bills of Exchange (if required) Certificate of Origin, Inspection Certificate, Quality Control Certificate, G.S.P. Certificate,

3.2.4.1) Export Procedure:Export policies formulated by the Ministry of Commerce, GOB provide the overall guideline and incentives for promotion of exports in Bangladesh. Export policies also set out commodity-wise annual target. It has been decided to formulate these policies to cover a five-year period to make them contemporaneous with the five-year plans and to provide the policy regime. The import and export trade in our country are regulated by the Import and Export (Control) Act, 1950.Under the export policy of Bangladesh the exporter has to get valid Export registration Certificate (ERC) from Chief Controller of Import & Export (CCI&E). The ERC is required to renew every year. The ERC number is to incorporate on EXP forms and other papers connected with exports The terms of the L/C are in conformity with those of the contract The L/C is an irrevocable one, preferably confirmed by the advising bank The L/C allows sufficient time for shipment and negotiation After making the deal and on having the L/C opened in his favor, the next step for the exporter is to set about the task of procuring or manufacturing the contracted merchandise. Then the exporter should take the preparation for export arrangement for delivery of goods as per L/C and incomers, prepare and submit shipping documents for Payment/ Acceptance/ Negotiation in due time. Final step: Submission of the documents to the Bank for negotiation

3.2.4.2) Export Finance:Financing exports constitutes an important part of a banks activities. Exporters require financial services at four different stages of their export operation. During each of these phases exporters need different types of financial assistance depending on the nature of the export contract. Pre-shipment credit Post-shipment credit

Pre-shipment credit:Pre-shipment credit, as the name suggests, is given to finance the activities of an exporter prior to the actual shipment of the goods for export. The purpose of such credit is to meet working capital needs starting from the point of purchasing of raw materials to final shipment of goods for export to foreign country. Before allowing such credit to the exporters the bank takes into consideration about the credit worthiness, export performance of the exporters, together with all other necessary information required for sanctioning the credit in accordance with the existing rules and regulations. Pre-shipment credit is given for the following purposes

Post Shipment Credit:This type of credit refers to the credit facilities extended to the exporters by the banks after shipment of the goods against export documents. Banks in our country extend post shipment credit to the exporters through: Negotiation of documents under L/C; Foreign Documentary Bill Purchase (FDBP): Advances against Export Bills surrendered for collection

3.3) Other relevant activities:

3.3.1) Foreign Demand Draft (FDD) Issued:

People used to send money abroad for various purposes. JBL issues most of the FDD for the purpose of payment of the application fees to the foreign universities. For the issuance of FDD; T/M Form has to be filled up duly. This form is filled up under the Foreign Exchange Regulation Act, 1947. This form contains

The purpose of travel, Name of the country where the applicant will go, Name of the air or shipping company, Passport number, Signature, name & address of the applicant

3.3.2) How to issue letter of credit3.3.2.1) LC throughout swift SWIFT is the industry-owned co-operative supplying secure, standardized messagingServices and interface software to nearly 8,100 financial institutions in 207 countries and territories, SWIFT members include banks, broker-dealers and investment managers. The broader SWIFT community also encompasses corporate as well as market infrastructures in payment, securities, treasury and trade. Over the past ten years, SWIFT message prices have been reduced over 80% and reliability 99.999% of uptime..

Janata Bank Limited is themember of SWIFT (Society for Worldwide Inter-bank Financial Telecommunication). SWIFT is a member owned co-operative, which provides a fast and accurate communication network for financial transactions such as Letters of Credit, Fund transfer etc. By becoming a member of SWIFT, the bank has opened up possibilities for uninterrupted connectivity with over 5,700 user institutions in 150 countries around the world.SWIFT is a highly secured messaging network enables Banks to send and receive Fund Transfer, L/C related and other free format messages to and from any banks active in the network.

3.3.2.2)Necessary steps To Open A Cash L/C: To open cash LC MTB wants some documents from importer. These are given below Valid IRC Valid Trade license TIN Certificate VAT Certificate Up to date income tax certificate CIB (Credit Information Bureau) report Pro-forma invoice Application (in importer pad) Credit report Fill up IMP form LC authorized form Insurance cover etc.

3.3.3) Payment of foreign currency notes:

To check the custom declaration (if any). To made entry in (kateha) raw register. To convert foreign currency into Bangladesh currency. To prepare vouchers. No FET schedule is required to be prepared & sent to head office because in this case there is no transaction with head office

3.3.4) Payment system Of T.T. To verify the 'test number'. To inform the beneficiary for submission of "Form - C". To confirm from issuing bank or reimbursing bank. To covert of foreign currency into Bangladesh currency with T.T. To make entry in T.T.s, drafts, M.T.s, received registration. To prepare vouchers.

3.3.5)Budget and Performance (Under EXPORT Policy 2012-2013)

No.20122013

BudgetActualBudgetActual

1Interest Income18,30019,02715,55014,868

2Interest Expenditure11,90011,960.3010,50010,376.98

3Interest Margin(1-2)6,4007,067.205,0504,491.02

4Investment Income Including Other Income11,07011,566.408,8009,206.10

5Total operating Income17,47018,653.6013,85013,697.12

6Salaries and Allowances5,0005,155.304,0643,996.58

7Fixed Cost552.50632.20647.90553.72

8Variable Cost917.50829.70637.60568.70

9Total Operating Cost (6+7+8)6,4706,617.205,3505,119

10Operating Profit(5-9)11,00012,036.408,5008,578.12

Chapter-4

Challenges And Proposed Course Of Action For Improvement.

4.1) SWOT Analysis of Janata Bank Ltd:

Business Strength:

Second Largest bank of the country 874 Branches across the countries Good reputation in the banking industries Sponsoring by the government Maintain good relationships with foreign banks Sound and large capital base Sustainable growth

Weakness:

Lack of using single softer to integrate all the branches of the bank. Lack of using new technology Not implementing the Online Banking in all activities

Opportunity:

Maintaining required Capital Adequacy Business expansion in capital market Real online banking software will be in function soon Consideration of prime customers.

Threat:

Mismanagement of administration Strong interference of CBA (Collective Bargaining Agent)

4.2) Problems Identified in the Organization:

There were some constraints or limitation inside the organization and they could be categorized as:

Limitations faced by me

Limitations of the organization

4.2.1) Limitations Faced by Me:

While working in the JBL, sometimes this place seemed to me as very challenging place to work for me. I experienced the reality of current challenge of the present job market which moves on more intensely due to the increasing competition. These parts of the report will emphasis on the factors of challenges faced in the organization.

The foreign exchange activities of JBL are so much big. So sometimes it is very difficult to cover all the activities. Sometimes the bank officers are very busy in their own work, so it is difficult to discuss with them about different types of important things. Some employees attitude is very negative. There is no canteen in office so sometimes I face problem of hungriness. Sitting problem is another limitation which I faced.

4.2.2) Limitations Observed in the Organization:

I think the banking system run very traditional and modernization is hardly pragmatic. In spite of the good banking service, sometimes customer service is not up to the level to some extents.

As part of modern banking, their ATM booth service is not introduced yet. Employees satisfaction is one of the most crucial factors in an organization. However, it has been observed that the salary was not to satisfactory level after interviewing some staffs. The most important part I have observed in JBL that some security system is very poor other than any private bank or multi-national companies.

4.3) Proposed Course of Action: The main objective of an internship program is to make the bridge between the theoretical knowledge and implication of it in the practical professional life. There are number of courses have been undertaken during my BBA program in AUST and I have chosen accounting as major because of great importance of this field in the current professional life. Nevertheless, all the courses I have undertaken might not match precisely in the practical field and I have come across a numbers of relevance and mismatches during pursuing my internship program.

4.4) Mismatches with my academic preparation: In some cases, I have experienced mismatch with my academic courses while I am doing internship program. Its hard to believe that there are only a few courses those focus on banking activities. In my BBA course I have achieved knowledge in various aspects in accounting, budgeting and less knowledge in branding, marketing, promoting, Distributing where very few of them deeply focuses on banking activities. Also, the university always highlighting on the theoretical knowledge where I have not much scopes for gaining much practical knowledge on banking activities.

Chapter-5

Lessons Learned From The Internship

5.1) Implications to organization:

It is necessary that an intern will do work with various sectors and departments of an organization. The different kind of task I have performed in the Branch. And now, I am feeling that I have achieved some more facts. These multi-facts pieces of work could be helpful for my career.

Organizational socialization is very important because This is enhanced my knowledge, skill and the power of implementing of my academic knowledge in a workplace.

As an intern, I have achieved significant amount of knowledge about customer service and I have realized that great communication skill is the fundamental requirement of serving the customers.

5.2) Implications to Universitys Internship Program:

I learned how to follow supervisor instructions strictly. How to present work experience in the report. Concern for integrating experiences and external experiences Way of communication I maintain strict discipline in my university that helps me to maintain banks discipline

CHAPTER-6

Concluding Statements

6.1) Recommendations for future strategic actions:

There are several recommendations have been realized from the whole internship program. Some of them mentioned below. 1) The communication between the intern and the supervisor should be clear and on the regular basis so that the intern has the total understanding and control over the entire internship program.2) The university sometimes could take initiative for the students who often fail to get offer form the companies for internship. The university could make some reference lists with big companies and make them offer its students for internship.

6.2) Recommendations: (Over-all Internship Program: Affiliation and University) To provide a student with more practical knowledge, Establish most powerful networking system. Frequently and quickly communicating with foreign bank.

To provide knowledge which course should be taken by student as a result they can gain more knowledge

6.3) Summary:Internship is a link between theoretical knowledge and practical knowledge. I have completed my Internship, I believe the experience I have gathered it will be very helpful for me. This internship program assisted me a lot to realize my further career for the coming future. Rather than drawing a conclusion, I would like to say that this study was utterly indicative for me for my future career.

As there are lots of local and foreign banks in Bangladesh the JBL is promising commercial Bank among them. JBL is more capable of contributing towards economic development as compared with other bank. JBL Invested more funds in export and import business. It is obvious that the right thinking of this bank including establishing a successful network over the country.

From the experience of the whole internship program, the JBL is a nice place to work with its nice and co-operative people within it. Additionally, understanding various sectors of the bank, it can be said that JBL plays some vital roles for the countrys economy.

CHAPTER-7

Suggestions for Improvement or Course of Action

7.1) Suggestions

For improving customer satisfaction the information related to customer should be available to the branch.For improving customer satisfaction so many facilities should be emphasized by the bank on priority basis.For the customers satisfaction service delivery should be given within 10-15 minutes.While delivering of services friendly behaviors should be ensured by the employees because it becomes a necessity of customers.For better customer satisfaction the interest rate of the bank should be as fewer as possible.The product and services of the bank should be new and competitive.For improving customer satisfaction, bank should launch customer complain box in every branch.For better satisfaction bank could initiate to establish customer service center for its customers.The better interior and nice location of the branch could be an incentive for customer satisfaction.Available sitting arrangements for customers in the bank could be a good sign for satisfaction of customers.Definitely to be competitive and ensuring of faster services for customers satisfaction online banking system should be start all over the branches as fast as possible.Customers are delighted with services of the bank but not in greater extent.Online banking services should be introduced by all over the branches as soon as possible.Banking services may be given 24 hours on the main branches if possible.ATM booth should be available especially in the major areas. Like city and commercial areas.

APPENDICES:Curriculum Vitae of Mohammad Ashikur Rahman 69/1 Sikkatuly lane, Nazir BazarDhaka-1100Email: ashikurr24@gmail.comCell: +8801680040051

OBJECTIVE: A business administration graduate with expertise in accounting seeking to develop a career in corporate business with emphasis to customer service whilst enabling further personal and professional development.

EDUCATIONAL QUALIFICATIONS:

BBA (Bachelor of Business Administration) Major in Accounting Institution: Ahsanullah University of Science & Technology Result: CGPA: 2.94 out of 4.00 Passing year: 2014

A Levels/ HSC Institution: Udayan Uccha Maddhamik Biddalaya Department: Business studies Result: GPA: 4.30 out of 5.00 Passing year: 2009

O Levels/ SSC Institution: Hammadia High School Department: Business studies Result: GPA: 4.19 out of 5.00 Passing year: 2007

SKILLS:

Capable of working with MS Office, MS Excel, MS PowerPoint and the Internet. Excellent written and oral communication skills. Able to multi-task in a fast paced environment with great attention to detail. Other than English, fluent in Bengali, Urdu and Hindi. PERSONAL DETAILS:

Fathers Name: MD. Abdul MatinMothers Name: Najmun NaharDate of Birth: 24th April 1991Marital Status: UnmarriedReligion: IslamSex: MaleNationality: Bangladeshi (by birth)Permanent Address: 69/1 Sikkatuly lane, Nazir Bazar Dhaka-1100

REFERENCES:

I hereby, declare that the statement made by me in the Curriculum Vitae is

True Complete and correct to the best in my knowledge and behalf.

Signature

_______________ MOHAMMAD ASHIKUR RAHMAN Date: 20-08-2014

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