gender and motivation factors of dhaka bank

RELATIONSHIP BETWEEN

GENDER AND MOTIVATION OF

DHAKA BANK

RELATIONSHIP BETWEEN GENDER AND

MOTIVATION OF DHAKA BANK

Prepared for

Ms: XXXXX

Lecturer

Prepared by

Name ID

Section:

Department: B.B.A.

Semester: Summer-2013

University Name

August 23, 2013

Letter of Transmittal

August 23, 2013

Ms:

Lecturer

XXXX

XXXX

Dear Sir:

Subject: Letter of Transmittal

It is a great pleasure for us to submit the report on "Performance Review of Bank Asia Ltd.". We

have prepared this report as a partial fulfillment of the course entitled "Business

Communication" (Course Code: BUS-2112).

We have worked hard to gather valid information and tried our best to prepare this report

perfectly. We have learnt a lot preparing this report which will help us in our practical life.

We will be obliged, if you kindly accept this report. We will be glad to answer the question, if

you have any.

Sincerely,

_____________

Name

ACKONOWLEDGEMENT

First of all, we would like to convey our gratitude to Ms: XXXX, Our course instructor, to guide as

selecting the areas of this report and doing Google search in a perfect way.

Then we would like to thanks our friends and group members helping us to make this report with

much information.

At last, we are very grateful to the sources which have provided us the ideas and information.

EXECUTIVE SUMMARY

As an emerging country, the economy of Bangladesh is expanding day by day. To keep pace with its

growing financial activities, a number of Banks have been established in the last few decades. Dhaka

Bank is one of the premier private-owned banks in the country.

Dhaka Bank Ltd. was registered as a public limited company in the year 1994 under the Companies Act.

The Bank started its commercial operation on July 05, 1995 with an authorized capital of Tk. 1,000

million and paid up capital of Tk. 100 million. The Bank has 62 Branches, 3 SME Service Centers, 6

CMS Units, 2 offshore Banking Unit across the country and a wide network of correspondents all over

the world. The Bank has plans to open more Branches in the current fiscal year to expand the network.

Day by day, they are increasing their goodwill by providing good service. As their goal is to become the

leading bank in the industry, they believe that it can only be achieved by focusing exclusively on their

customers. Not only do they listen and respond to their customer's needs, they also try to go far above

their expectations.

Dhaka bank provides high quality products and services backed by latest technology. It has a team of

highly motivated personnel to deliver Excellence in Banking. Overall,

the bank is a very important place to study the behavior of its consumers and provide useful insights what

a customer expects from the bank. It is only through research that a bank will be able to study the

preferences and behavior of consumers.

Table of Contents

AT LAST, WE ARE VERY GRATEFUL TO THE SOURCES WHICH HAVE PROVIDED US THE IDEAS

AND INFORMATION. ........................................................................................................................................ 4

1. INTRODUCTION ...................................................................................................................................... 1

2. OBJECTIVE ................................................................................................................................................ 1

3. SCOPE ......................................................................................................................................................... 1

4. LIMITATION .............................................................................................................................................. 1

5. METHODOLOGY ....................................................................................................................................... 1

I. TYPES AND SOURCES OF DATA ............................................................................................................ 1

II. DATA COLLECTION PLAN ..................................................................................................................... 1

III. ANALYSIS PLAN ................................................................................................................................... 1

6. DIVERSITYBETWEENMALE AND FEMALE EMPLOYEES ............................................................... 2

7. SOWT ANALYSIS ...................................................................................................................................... 3

8. Organizational Structure……………….……………………………………………………………………………………………..5

9. Recommendation…………….…………….……………………………………………………………………………………………..6

11. Summary of QUESTIONS-ANSWER Section…………………………………………………………………………………….7

12. CONCLUSION ............................................................................................................................................... 9

13. Apendix……………………………………………………………………………………………………………………………………….10

1. INTRODUCTION

A Bank not only accepts money or deposits, but it also lends money and creates its own

credit, Crowther has defined a bank as “a dealer in debts- his own and of other people.”

Sawyers states, “We can define a bank as an institution whose debts (bank deposits) are

widely accepted in settlement of other peoples debts to each other”.

2. Objective

The first objectives of preparing this report were to fulfill the course requirement. The other

objectives were to identify the performance review of Dhaka Bank Ltd.

3. Scope

Our scope on Dhaka bank branches of Dhanmondi and Kawran Bazaar.

4. Limitation

During preparing this report there were time and cost limitation.

5. Methodology

I. Types and sources of data

We collect data on the bases of primary data.

II. Data collection plan

We have collected the data through survey of employees.

III. Analysis Plan

We have analyzed the overall banking performance.

6. Diversity between Male and Female Employees

Male Employees Female Employees

1. Transport

System Male doesn’t get any transport

support.

Female employees get microbus

transport support

2. Early Leaving Male employees can’t leave

office earlier.

Female employees can leave office

earlier.

3. Pregnancy leave They don’t get any type of

leave Pregnancy leave

4. Transfer They transfer outside from

Dhaka. They transfer within Dhaka.

5. Satisfaction

level Satisfaction level high. Satisfaction level low compare than

male.

6. lacking They don’t found any lacking. They found some lacking.

7. Work Life

Balance This is quite easy for male

employees.

This is difficult for female

employees to maintain home and

office.

8. Gender

Discriminations They don’t face any gender

discrimination.

They also don’t face any gender

discrimination.

7. SOWT Analysis

I. Strengths

• Strong corporate identity

• Strong employee bonding and belongings

• Efficient Performance

• Young enthusiastic workforce

• Empowered Work force

• Hospitable Working Environment

• Strong Financial Position

II. Weaknesses

• High charges of L/C.

• Discouraging small entrepreneurs.

• Absence of strong marketing activities.

• Not enough innovative products.

• Diversification.

• Lack of Proper Motivation.

• High Cost for maintaining account.

• Outdated Software and Hardware at DBL Uttara.

III. Opportunities

• Distinct operating procedures

• Country wide network

• Experienced Managers

• Huge Population

• El Dorado Program

• Bigger Market

• BASEL II

IV. Threats

• Upcoming Banks/Branches

• Similar products are offered by other banks

• Default Loans

• Industrial Downturn

• Financial Crisis

8. ORGANIZATION STRUCTURE

9. RECOMMENDATIONS

Based on the evaluation of different aspects of the credit process of Dhaka Bank, the following

recommendations have been made:

* Care should also be taken so that good borrowers are not discarded due to strict adherence to

the lending policy.

* At the branch level credit department must be adequately capable of collecting the correct and

relevant information and analyzing the financial statements quickly and precisely.

* Credit officer must be skilled enough to understand the manipulated and distorted financial

statements.

* Credit committees at all levels must work in co-ordination with each other for quick approval

of loans and to reduce the loan processing cost.

* To expedite the lending process, board credit committee meeting should be held twice a month

instead of once a month.

* Monitoring of a loan should be conducted at regular interval to enhance the borrower is

properly maintaining the mortgage property and utilizing the borrowing money

10. Summary of QUESTIONS-ANSWER Section

1. What is the productivity level of your company?

Ans: They organize various training programs to improve their productivity.

2. What is your working hour?

Ans: There general office time is 10 am – 6 pm. But the employee who deals with

customers their work time is 10 am to 5.00 pm. And the employee who do internal jobs

they work 10.00 am to 8.00 pm.

3. How you maintain your office life and family life?

Ans: Actually it differs person to person. When they entered in office they get engaged

with their job. In office time they stay connected with their family by phone or email. But

if they need to leave office for any serious reason they need to take permission from

authority. The person who have children specially women they face some problems. They

can’t take proper care of their children. They have to keep their child to their other family

members or house keeper. They also face major problems after returning home from

office. After returning home they need to prepare meal for their family.

4. Do you face any gender discriminations in your organization? If yes, what type’s

discriminations you face?

Ans: According to male employee said that they don’t face any gender discrimination in

their organization. They all believe that all male and female employees they get equal

facilities. But some male employee said that female employee considers some extra

facilities. Like: extra leave, less work pressure, they get transportation facility.

But the entire female employee said that they don’t face any kind of gender

discrimination. They get equal facility like male employee.

5. Do you get any childcare facilities?

Ans: They only get 3 month pregnancy leave.

6. Medical Support system of this organization.

Ans: They get a great medical support from this organization. Every employee gets 100%

medical support. They also get 100% medical support for their parents and for other

family members like brothers, sisters and children they get 50% medical support. But the

support for their family medical fees is deducted from the pension money.

7. What types of Bonuses you get from your organization?

Ans: They gets festival bonus 2 times in a year.

8. What types of reward you get from your organization?

Ans: They get bonus on yearly profits based on company share. They also get merit base

bonuses. They don’t get any overtime compensation.

9. Do you get pay for performance?

Ans: Yes they get paid for their performance. Their performances have great effect on

their promotion.

10. Do you have any Job redesigned opportunity?

Ans: There is shifting opportunity for the employees.

They have job rotation after certain periods that’s depends on top managers.

They have 100% job sharing system. If an employee is absence there is always someone

who carries on those works.

11. How you maintain work balance?

Ans: Most of them say that, this is their personal matter. This depends on that person that

how he or she balance their work.

12. What is the lacking in your organization? And what do you think that how to

overcome those lacking?

Ans: They hardly found any lacking in their organization. Their expression says that they

are highly satisfied with their work environment, have a very good relation with sub

ordinates, they gets enough salary so that they are enough motivated. But in the credit

sector they face a lot number of customers every day. There is lots of rush and face too

much crowd. There is lots of responsibility so that they don’t get any free time. They are

always aware so that they don’t make any mistake and get penalty for that.

13. What is your level of satisfaction out of 100?

Ans: For the male employee give their marks 85 to 95 out of 100. And the female

employee they give their marks 90 to 98. So we can conclude that they are highly

satisfied with their job.

11. CONCLUSION

Most of the Banks in Bangladesh are offering a wide array of financial services including new

types of loans and advances and some whole new services are being launched every year. Dhaka

Bank, a bank of difference, also has discovered new avenues to reach its goals. For the brand

name, it is gone to people’s heart through updating various services. Dhaka Bank should

diversify its credit portfolio Dhaka Bank so that in near future when competition among Banks

will serve, it can stand with its own identity. The Credit Risk Management method that may

seem fit today may not work tomorrow. So all the Financial Institutions must find their own

method in order to sustain in the changing world. Central focus in this regard would be to have a

comprehensive Information Technology system, sufficient expertise and above all very relaxed

management to adopt new idea to update Credit Risk Management method. Now Bank Asia is

continuing business operation successfully in Bangladesh through developing an image and

goodwill among its clientele by offering its excellent services. The success has been resulted

from the dedication, commitment and dynamic leadership of its management. During the short

span of time of its operation, has Dhaka Bank successfully grabbed a position as a highly

progressive and dynamic financial institution in the country. By proliferation of new advance

services, expanding use of automated equipment and electronic transfer of financial inform

Dhaka Bank action, will be the country’s first largest institution in the near future.

12. APENDIX:

Questions:



3. How you maintain your office life and family fife?





6. Do you get any childcare facilities? Like:

a. Pregnancy leave.

b. Day care system.

c. Scholarship facility.




a. Bonus

b. Piece pay

c. Marite base

d. Over time


11. Do you have any Job redesigned opportunity? Like:

a. Job rotation

b. Job sharing

c. Job enrichment

d. Job enlargement


13. What are the lackings in your organization? And what do you think that how to overcome

those lackings?


Answer from employees

Mohammad Eahia miah

SAVP $ Credit incharge


Ans:


Ans: Its 10 am to 6 pm.


Ans: Office life in office and family life in family.



Ans: No there is no gender discrimination.


Ans: No I don’t get any child facility but female employees get 3 months pregnancy

leave.


Ans: We get 100% support for us and 50% for family. But that will be ductucted from

our pension plan.


Ans: We get 2 Eid Bonuses.


Ans: We get profit and merit bonus.


Ans: Yes we get pay for performance.


Ans: Yes we have. Like job sharing, Job rotation.


Ans: We complete all the works what we need. Thats it.


those lackings?

Ans: I don’t find any lackings. If there any, that’s not that much serious.


Ans: I will give 90%.

Md.Masud –ur-jaman

Senior Principal Officer


Ans:




Ans: When I entered in office I get engaged with work. After returning home I give time

with family. But in office need to contact I use mobile to contact with them.



Ans: No here every one is equal.


Ans: No we don’t get that.


Ans: We have great medical support for us and family.


Ans: We get 2 bonuses in a year.


Ans: We get reward on overall company profit.




Ans: Yes we job sharing opportunity, Job rotation. If I am absence someone will do my

job.


Ans:


those lackings?

Ans: Everything is running well. I don’t see any lacking.



Mr Anisur Rahman

Principal officer


Ans:




Ans: 10 to 8 office then family. And we have mobile to contact.



Ans: No everyone get equal facility.


Ans: No we don’t get that.


Ans: We have great medical support. 100% for us what is totally carry out by

organization. But for parents we get 100% and for brothers and sisters we get 50%

support but that will be deduct from our pension.


Ans: We get 2 bonuses in a year.






Ans: Yes we have those. Job sharing opportunity, Job rotation. But this is depends on

authority decision.


Ans: It depends how I want to do.


those lackings?

Ans: We are very much upgraded so I don’t find any serious lacking.



Mr Raisan Anwar

Senior principal officer


Ans:




Ans: I got habituate with this life so now I don’t face any problems. I can easily maintain

office and family.



Ans: No everyone get equal facility. Female employees get a microbus for transport. But

I can’t say that is discrimination.


Ans: No.


Ans: We get 100% for us what is totally carry out by organization. For parents we get

100% and for members we get 50% support from our pension.


Ans: We get only 2 festival bonuses in a year.






Ans: Yes obviously we have that.


Ans: Nothing to balance. I do all works what I have to do.


those lackings?

Ans: In transaction sector we face too much rush. So we need some fast transaction

process to prevent that.



Sanjida Rahman

Junior officer




Ans: Generally the office time is 10 am to 6 pm. But sometimes they work 10 am to 8 pm.


Ans: When I work in the office I try to keep full attention & concentrate for doing the best. For

that I maintain my time very carefully. And whenever I reach home I do not do any official task

at home so I can pass time with my family.

4. Do you face any gender discriminations in your organization? If yes, what type’s discriminations

you face?

Ans: I don’t think in my organization should have any kind of gender discrimination. It’s

equal for all employees.


Ans: Yes. I get only 3 month pregnancy leave.

6. Medical Support?


medical support. They also get 100% medical support for their parents and for other family

members like brothers, sisters and children they get 50% medical support. But the support for

their family medical fees is deducted from the pension money.


Ans: I get festival bonus 2 times in a year. But whenever the working efficiency is very high then

they get promotion.


Ans: Yes I get pay for performance. Our performances have a great effect on our promotion.


Ans: There is shifting opportunity for the employees. We have job rotation after certain periods

that’s depends on top managers. They have 100% job sharing system. If an employee is absence

there is always someone who carries on those works.


Ans: This is little bit personal matter. This depends on that person that how he or she balance

their work.

11. What is the lacking in your organization? And what do you think that how to overcome those

lacking?

Ans: I don’t think there is any lacking in my organization. But sometimes the work pressure are

lots and the yearly leave is not so much. So I think it should be increases.


Ans: I get 97-99% satisfaction from my organization.

Monira Zerin

Senior officer


Ans: The office time is 10 am to 6 pm.


Ans: It’s very tough for her to maintain the two part. But she can adjust her working hour with

time.


you face?

Ans: No I don’t faces any gender discrimination here.


Ans: I don’t have any child. But in my organization they give 3 months leave.

5. Medical Support:

Ans: yes. We get a great medical support from this organization.


Ans: we get festival bonus.


Ans: Yes I get paid for their performance. Their performances have great effect on their

promotion.



9. We have 100% job sharing system. If an employee is absence there is always someone who

carries on those works.


Ans: It’s very complicated for me.


lacking?

Ans: no lickings’ am satisfied.


Ans: I get 90-95% satisfaction.

Joly hasan

Junior officer


Ans: The working time is 10 am to 6 pm.


Ans: When they entered in office they get engaged with their job. In office time they stay

connected with their family by phone or email.


you face?

Ans: No I don’t face any gender discrimination here.


Ans: just only 3 months pregnancy leave.

5. Medical Support?

Ans: yes. They get a great medical support from this organization. But it deducted from their

pension.


Ans: only two Eid bonuses.


Ans: Yes I get pay for their performance.


Ans: There is shifting opportunity for the employees. They have 100% job sharing system.


Ans: It’s very complicated.


lacking?

Ans: no lackings. I am satisfied.


Ans: I get 92-95% satisfaction.

Sumaiya sharmin

Training officer


Ans: the working hour is 8 hours. 10 am to 6 pm.


Ans: I m unmarried. so I don’t faces any extra pressure for maintaining two part.


you face?

Ans: No I don’t face any gender discrimination.


Ans: I m unmarried.

5. Medical Support?

Ans: yes. We a great medical support from this organization.


Ans: Eid bonus.


8. Ans: Yes I get paid for their performance.


10. Ans: There is shifting opportunity for the employees.

11. They have 100% job sharing system. If an employee is absence there is always someone who



13. Ans: personally.


lacking?

15. Ans: no lickings’ am satisfied.


17. Ans: I get 95-99% satisfaction.

Anila Rehman

Officer




Ans: External worker has 10 am – 6 pm. And internal works 10.00 am to 8.00 pm.


Ans: I can maintain my family and office life easily on the basis of time management.



Ans: No.


Ans: No.

6. Medical Support:

Ans: We get all type of medical support.


Ans: They gets festival bonus 2 times in a year. And 1 annual bonus.


Ans: We get bonus on yearly profits based on company share. They also get merit base

bonuses. We don’t get any overtime compensation.


Ans: No.




Ans: Its our personal matter.

12. What is the lacking in your organization? And what do you think that how to overcome

those lacking?

Ans: No lacking.


Ans: 80%

Sazia Afrin

Officer


Ans: Our organize various training programs to improve their productivity.


Ans: 10 am – 6 pm.


Ans: Actually it differs person to person. When they entered in office they get engaged

with their job. In office time they stay connected with their family by phone or email.



Ans: No.


Ans: WE only get 3 month pregnancy leave.

6. Medical Support:

Ans: We get a great medical support from this organization. Every employee gets 100%

medical support. We also get 100% medical support for their parents and for other family

members like brothers, sisters and children they get 50% medical support. But the

support for their family medical fees is deducted from the pension money.


Ans: We gets festival bonus 2 times in a year.


Ans: We get bonus on yearly profits based on company share. We also get merit base

bonuses. We don’t get any overtime compensation.


Ans: Yes we get paid for their performance. Our performances have great effect on their

promotion.



We have job rotation after certain periods that’s depends on top managers.

We have 100% job sharing system. If an employee is absence there is always someone



Ans: It’s happen automatically.


those lacking?

Ans: No.


Ans: 100%

Tahmina Akhter

Officer


Ans: Our organization has various training programs to improve productivity.


Ans: 10 am – 6 pm.


Ans: I can maintain my family and office life easily on the basis of time management.



Ans: We consider some extra facilities. Like: extra leave, less work pressure, they get

transportation facility.


Ans: They only get 3 month pregnancy leave.

6. Medical Support:

Ans: We get a great medical support from this organization. Every employee gets 100%

medical support.


Ans: We gets festival bonus 2 times in a year. Also annual bonus.


Ans: No.


Ans: No.


Ans: No.


Ans: Its personal matter.


those lacking?

Ans: I don’t face any lacking.


Ans: 90 %.

Shahina Begum

Assistant vice president


Ans:


Ans: There general office time is 10 am – 6 pm. But the employee who deals with

customers their work time is 10 am to 5.00 pm. And the employee who do internal jobs

they work 10.00 am to 8.00 pm.


Ans: Actually it differs person to person.



Ans: We don’t face any kind of gender discrimination. They get equal facility like male

employee.


Ans: Not realy.

6. Medical Support:

Ans: All type of medical support.


Ans: We gets festival bonus 2 times in a year.


Ans: I get bonus on yearly profits based on company share. I also get merit base bonuses.

They don’t get any overtime compensation.


Ans: Yes i get paid for their performance. My performances have great effect on their

promotion.



We have job rotation after certain periods that’s depends on top managers.

We have 100% job sharing system. If an employee is absence there is always someone



Ans: This depends on that person that how he or she balance their work.


those lacking?

Ans: I am highly satisfied with my work environment.


Ans: 100%.

Mohammed Yousuf Hossain

Principal officer


Ans: They organized various kinds of training programs to improve my productivity.


Ans: There general office time is 10 am – 6 pm. But I am in the credit sector and my work time is

10 am to 5.00 pm.


Ans: Actually it differs person to person. When I entered in office I engaged with my job. In

office time I stay connected with my family by phone or email. But if I need to leave office for

any serious reason as like as any kind of accident I need to take permission from authority.


you face?

Ans: No. We all are equal.

5. Do you get any kind of medical Support?

Ans: Yes, I get a great medical support from this organization. Even now every employee gets

100% medical support. They also get 100% medical support for their parents and for other family



6. What type of Bonuses you get from your organization?

Ans: They get me festival bonus 3 times in a year.


Ans: They get bonus on yearly profits based on company share. They also get merit base bonuses.



Ans: Yes, they get paid for my performance. My performance creates a great effect on my

promotion.


Ans: Yes, There is shifting opportunity for the employees.


They have 100% job sharing system. If I absence there is always someone who carries on those

works.


Ans: Generally it is my personal affair. I always try to maintain my work very seriously and most

of time I am very busy with my work.


lacking?

Ans: No, I don’t found any kind of major lacking. But sometimes little bit problems happen.

Though I am in the credit sector little account mistake happen. I always try to solve it. But if I

don’t solve it I give penalty for my mistake.


Ans: I get 80% marks. But I am satisfied with my job.

Anil hossain

officer


Ans: They organize various training programs to improve our productivity.


Ans: There general office time is 10 am – 6 pm.


Ans: When I entered in office I engaged with my job. In office time I stay connected with my

family by phone or email. But if I need to leave office for any serious reason as like as any kind

of accident I need to take permission from authority.


you face?

Ans: No, I don’t found any kind of gender discriminations in our organization.

5. Do you get any medical Support?








Ans:They get bonus on yearly profits based on company share. They also get merit base bonuses.



Ans: Yes, they get paid for my performance and my performances have great effect on my

Promotion.




They have 100% job sharing system. If an employee is absence there is always someone who



Ans: I enjoy my work. When I come to office I spend most of time for my work. If I get any

leisure time I talk some with the other employees. I always follow my boss instructions.

11. What is the lackingin your organization? And what do you think that how to overcome those

lacking?

Ans: No. I don’t find it.


Ans: I give 85% and I am happy with my job.

Kamal hasan

Training officer




Ans: There general office time is 10 am – 6 pm. But the employee who deals with customers their

work time is 10 am to 5.00 pm. And the employee who do internal jobs they work 10.00 am to

8.00 pm.


Ans: It’s a difficult task. But we are bound to maintain it. When I entered in office I engaged with

my job. In office time I stay connected with my family by phone or email. But if I need to leave

office for any serious reason as like as any kind of accident I need to take permission from

authority. It’s a positive sight for me.


you face?

Ans: No.

5. Do you get any kind of medical Support?











Ans: Yes, they get paid for our performance. Their performances have great effect on my

promotion.




They have 100% job sharing system. If I am absence there is always someone who carries on

those works.


Ans: It’s a very complicated question. I always try to concentrate my work. Follow my boss to

solve any kind of critical question.


lacking?

Ans: No, I don’t found any kind of lacking.


Ans: My mark is 88%. Yes, I am satisfied with my job.

Ashraful hasan

Senior officer




Ans: There general office time is 10 am – 6 pm.


Ans: Actually it differs person to person. When I entered in office I engaged with my job. In

office time I stay connected with my family by phone or email. But if I need to leave office for

any serious reason as like as any kind of accident I need to take permission from authority. If I

need any kind of leave I need to permission from the higher authority.


you face?

Ans: I think female get something extra facilities than male. As like as transport, leave of absence

etc.

5. Do you get any medical Support:











Ans: Yes, they get paid for my performance. My performance have great effect on my promotion

and I get it many times.




They have 100% job sharing system. If an employee is absence there is always someone who



Ans: 1st of all my manager is very helpful. If I face any kind of problem he helps me. My other

friends are also very helpful. So I can easily maintain my work balance


lacking?

Ans: No. There is no lacking.


Ans: I give 95% marks and I am highly satisfied.

gender and motivation factors of dhaka bank

Education