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"SME Banking Operation in BRAC Bank Ltd Sylhet (ROC)"
Date of Submission-February 28, 2009
Sylhet International University
Shamimabad Bagbari Sylhet-!00
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Project report
On
"SME Banking Operation in BRAC Bank Ltd Sylhet (ROC)
#verseer
Mr. han Moha!!ad Mohiddin
Senior $e%turer
De&artment of Business 'dministration
(rimed by
#!ran Ah!ed)egistration *o-!!!2!!!+
ID *o. !!!!+
(rogram. /B'
+thBat%hDe&artment of Business 'dministration
Date of Submission-February 28, 2009
Sylhet #nternational $ni%er&itySha!i!a'ad Bag'ari Sylhet*++
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Letter o, S'!ittal
Date. une 28, 2009
1o
/r han /ohammad /ohiuddin
Senior $e%turer
De&artment of Business 'dministration
Sylhet International UniversitySamimabad, Bagbari, Sylhet
Sub3e%t. Submission of (ro3e%t )e&ort on 41he B)'5 Ban6 Sylhet 7)#5 $1D4
Sir,
It is a great &leasure for me to submit the &ro3e%t re&ort on B)'5 Ban6 $imited: for the
&artial fulfillment for the Degree of /asters of Business 'dministration
'lthough the &re&aration of the study ;asno;ever, if you need any %larifi%ation from any &art of this re&ort
then &lease let me 6no; about it and I ;ill try my best to ma6e that understandable
1han6ing you in anti%i&ation
Sin%erely ?ours
--------------------
Imran 'hmed
)egistration *o-!!!2!!!+
ID *o. !!!!+
/B'-
Sylhet International University
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'%6no;ledgement
I ;ould li6e to e=&ress my dee&est gratitude to my overseer /r han /ohammad /ohiuddin,
Senior $e%turer, De&artment of Business 'dministration, Sylhet International University 7SIU,
his %ontribution ;ill be remembered al;ays, and the timely %om&letion of this &ro3e%t is mainly
due to his interest and &ersuasion
I ;ould li6e to give my sin%ere than6s to, /r Faru@ue/anager in Sylhet 7)#5, /d FiroA
'lam, 'sso%iate manager of Sylhet 7)#5, /d Shahadat >ossain, offi%er 'sset #&eration,
'AiAur )ahman )uhi, offi%er 'sset #&eration for sharing their valuable e=&erien%e and insight
;ith me I also e=&ress my gratitude to every em&loyee of BB$ for their %ontinuous %oo&eration
and guidan%e in the ;or6 environment
Finally, I ;ould li6e to than6 all the staff of the BB$ ;ho gave me un%onditional su&&ort at;or6 /y than6s also goes to those ;ho %oo&erated ;ith me at any of the ste&s of the &ro3e%t,
irres&e%tive of the siAe and sha&e of their %ontribution, they made themselves an im&ortant &art
of this &ro3e%t I have done my best and I am %onfident that this &ro3e%t ;ould meet the
e=&e%tations of my fa%ulty
---------------
Imran 'hmed
)egistration *o-!!!2!!!+
ID *o. !!!!+
Bat%h-
Sylhet International University
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E-ecti%e S!!ary
B)'5 Ban6 $imited is one of the latest generations of %ommer%ial ban6s, ;hi%h started forseveral years ago ;ith a vision to be the absolute mar6et leader through &roviding the entire
range of ban6ing servi%es suitable to the needs of modern and dynami% ban6ing business 1his
re&ort is &re&ared on the basis of my &ra%ti%al e=&erien%e at B)'5 Ban6 $imited: Sylhet
7)#5
'dvan%ed e=&ansion of the Small and /edium nter&rises 7S/s %an hel& to %ut &overty to a
satisfa%tory level by eliminating various &re3udi%es against labor intensive industry and %reating
3obs for the s6illed man&o;er in the S/ se%tor >o;ever, the a%%ess to finan%ing is still
re%ogniAed as the leading obsta%le to S/ gro;th in Bangladesh, ali6e most other develo&ing
and under-develo&ed %ountries Small and medium entre&reneurshi& have a tremendous &otential
in em&o;ering &otential entre&reneurs and transforming so%iety 1o target this se%tor ;ith huge
&otentiality B)'5 Ban6 $td introdu%ed S/ Ban6ing Division in 200!
Being the fastest gro;ing ban6 of the %ountry %urrently B)'5 Ban6 is o&erating all over the
%ountry having !+C Bran%hes and rishi Bran%hes, 22 S/ Sales and Servi%e 5enters, 00
'1/s, 0+ S/ Unit offi%es 1his fastest gro;ing ban6 ;or6s on (- (eo&le, (lanet and (rofitE
ensures sustainable gro;th and largely fo%uses on S/ finan%ing se%tor
B)'5 Ban6 S/ division ;as set u& to-e%onomi% %a&ture im&a%t in the %ountry ithin !
years of establishing it has &roved its su%%ess through be%oming %ountry
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dra;ba%6s for both borro;ers and lenders 'gain S/ se%tor has tremendously %ontributed in
the e%onomy 1oday it has been %onsidered the engine of a %ountryHs e%onomy
Being %ountry
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Chapter One
Organiation O%er%ie/
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*.* #ntrodction
B)'5 Ban6 is one of the %ountry largest and ;orldigh 5ourt of Bangladesh Subse@uently, the
Ban6 has started o&erations from uly, 200! 't &resent the Ban6 has +G Bran%hes, !!9 Aonaloffi%es and 2C unit offi%es of S/ 7Small J /edium nter&rise
*.0 Backgrond
B)'5 Ban6 is a s%heduled %ommer%ial ban6 established under the Ban6ing 5om&anies '%t,
!99! and in%or&orated as a &ubli% %om&any limited by shares on 20 /ay !999 under the
5om&anies '%t, !99 in Bangladesh 1he >igh 5ourt of Bangladesh sus&ended the &rimary
ob3e%tive of the Ban6 Subse@uently, the 3udgment of the >igh 5ourt ;as set aside and dismissed
by the '&&ellate Division of Su&reme 5ourt on 0 une 200! and a%%ordingly, the Ban6 has
started o&erations from 0 uly 200!
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B)'5 Ban6 has a uni@ue institutional shareholding bet;een B)'5, the largest DF# in the
;orld, the International Finan%e 5or&oration 7IF5, the %ommer%ial arm of the orld Ban6
rou&, and Shore 5a& International, a %on%ern of Shore Ban6 5or&oration, 'meri%a
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!+00 %ore in loans to nearly +0,000 small and medium entre&reneurs 1he management of the
Ban6 believes that this se%tor of the e%onomy %an %ontribute the most to the ra&id generation of
em&loyment in Bangladesh Sin%e in%e&tion in uly 200!, the Ban6Hs foot&rint has gro;n to 22
bran%hes, +0 S/ unit offi%es and !9 '1/ sites a%ross the %ountry, and the %ustomer base has
e=&anded to 200,000 de&osit and +,000 advan%e a%%ounts through 200G In the years ahead
B)'5 Ban6 e=&e%ts to introdu%e many more servi%es and &rodu%ts as ;ell as add a ;ider
net;or6 of S/ unit offi%es, )etail Bran%hes and '1/s a%ross the %ountry
*.1 Corporate 2i&ion
Building &rofitable and so%ially res&onsible finan%ial institution fo%used on /ar6et and Business
;ith ro;th &otential, thereby assisting B)'5 and sta6eholders to build a 3ust, enlightened,
healthy demo%rati% and &overty free Bangladesh:
*.3 Corporate Mi&&ion
Sustained gro;th in Small J /edium nter&rise se%tor
5ontinuous lo;-%ost de&osit ro;th ;ith %ontrolled gro;th in retail assets
5or&orate 'ssets to be funded through self-liability mobiliAationro;th in 'ssets through syndi%ations and investment in fastergro;ing se%tors
5ontinuous endeavor to in%rease non-funded in%ome
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ee& our debt %harges at 2K to maintain a steady &rofitable gro;th
'%hieve effi%ient synergies bet;een the ban6ave a strong %ustomer fo%us and build relationshi&s based on integrity, su&erior servi%e
and mutual benefit
Strive for &rofit J sound gro;th
or6 as a team to serve the best interest of our o;ners
)elentless in &ursuit of business innovation and im&rovement
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Malue and res&e%t &eo&le and ma6e de%isions based on merit
Base re%ognition and re;ard on &erforman%e
)es&onsible, trust;orthy and la;-abiding in all that ;e do
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*.9 BRAC Bank8& Long :er! Strategy
Summed u& in a single senten%e, ban6s long-term strategy is to go ;here the mar6et is 's a
result of the a%hievement of the mi%ro-%redit &roviders, Bangladesh no; has an hour glasssha&ed ban6ing mar6et in ;hi%h %redit and other limited finan%ial servi%es
are valuable to both very large and very small businesses and very ;ealthy and very &oor
individuals hile there is ;ell-6no;n informal system that &rovides %redit to businesses,
virtually nothing is available from either ban6s or mi%ro finan%e &rovider to the million the
middle L businesses and individual- ;ho are severely %onstrained in their ability to &rodu%e and
save for la%6 of a%%ess to finan%ial resour%es and servi%es Until modern, %om&etitive finan%ial
servi%es are readily available L in%luding %redit in amounts, terms and %onditions that small %an
a%%ess, Bangladesh ;ill not be able to %reate the large middle %lass that is a &rere@uisite to
so%ial stability
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*.; Manage!ent :ea!
*. Mr.A.E.A Mhai!en
5# J /anaging Dire%tor
De&uty /anaging Dire%tor J
5##
9. ead of Finan%ial 'dministration
0. Md Sar/ar Ah!ed
>ead #f Im&aired 'ssets/anagement
;. ead of Small J /edium nter&rise7S/
. Rai& $ddin Ah!ed
5om&any Se%retaryJ >ead of )is6 /anagement
*+. Md. Rah!at Pa&ha
>ead of 1reasur J finan%ial Institutions
1. ead of )etail Ban6ing
**.h/aja Shahriar
>ead of 5or&orate Ban6ing
3. Md. Ra,at $llah han
>ead of 5redit
*0. Shah Ala! Bhiyan
>ead of nter&rise )is6 /anagement
4. =a&had >&&ain
>ead of (robashi Ban6ing
*. Mianr Rah!an Cho/dhry
>ead of Information 1e%hnology 7I1
7. :ahniyat Ah!ed ari!
>ead of >uman )esour%es
14.Md.Abedur Rahman
Sikder (Head Of Marketing &Corporate Aairs
Table: The Management Team of BRAC Bank
*.*+ Board o, ?irector&
*. Mr.Mha!!ad A
(R!ee Ali)
5hairman
3. @ai Md. Shari,l Ala
Dire%tor
0.M&.=ihad a'ir
Dire%tor4. #!ran Rah!an
/anaging Dire%tor and
5#
. M&.:a!ara >a&an
A'ed
Dire%tor
7.Mr.Mark A.Co,,ey
(=o!inated By Shore Cap
#nternational Li!ited)
1. Mr.Shid =arayan
airy
Dire%tor
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Figure: Board of Director of BRAC Bank
*.** B&ine&& !odel o, BRAC Bank
1he B&ine&& Model innovated ;as sim&le. mobiliAe funds from the urban mar6et
to;ards lending at semi-urban and rural 1he ban6 had to brea6 a;ay from
traditional ban6ing, had to develo& ne; ;ays to assess %redit &ro&osals and to rea%h
these &eo&le ;ho rarely a%%esses a ban6 outside metro areas, but the 3ourney &roved
a su%%ess
*.*0 Capital Strctre
B)'5 Ban6 has started ;ith an initial %a&ital of amount BD1 2+0 million, ;hile the
authoriAed %a&ital is BD1 !,000 million #ver time the ban6 has in%reased its %a&ital base
be%ause of its steady gro;th and ;ithin three years of o&erations, it has doubled its %a&ital
base to BD1 +00 million 1he Ban6 has &lanned to go &ubli% by the last @uarter of this year
7200G and raise it
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*.* Capital
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*.*3 Brand #dentity
1he follo;ing &oints are the ban6
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*.*4 B&ine&& O'jecti%e (,or Marketing)
stablishing B)'5 Ban6 as the most &referred Bangladeshi brand in the finan%ial se%tor of the
%ountry
*.*7 here doe& BRAC Bank &tand today
5ountry
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:a'le6 O%erall &tand o, BRAC Bank
*.*9 hat &et& BRAC Bank apart
S/ Ban6ing /odel. +0K of the total loan &ortfolio is al;ays for S/s
Malue-based ban6ing. a mission of Finan%ial In%lusion and the ( &hiloso&hy
People
Planet and
Pro,it
$argest real-time, online net;or6
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*.*9 B&ine&& ?i%i&ion& o, BRAC Bank Li!ited
B)'5 Ban6 $imited %onsists of five ma3or business divisions 1hey are
)etail Ban6ing Division
5or&orate Ban6ing Division
Small and /edium nter&rise 7S/
1reasury
)emittan%e Servi%es
*.*; Prodct& and Ser%ice& o,,ered 'y the BRAC Bank
(rodu%ts and Servi%es offered by B)'5 ban6 are as follo;s.
SME (S!all D Medi! Enterpri&e) Banking6
! 'nonno )in
2 '&urbo )in
(athshala )in
'roggo )in
+ Digoon )inG Su&&lier Finan%e
C (rothoma )in
Retail Prodct&6
' $oan (rodu%ts.
! Salary $oan
2 *# $oan
5ar $oan
1ea%hers< $oan
+ Study $oan
G 1ravel $oan
C 5redit 5ard $oan
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8 1o& U& $oan
9 >igh-Flyer $oan
!0 Se%ured $oanN #D
!! Unse%ured (ersonal $oan!2 Do%torHs $oan
?epo&it Prodct&6
! Fi=ed De&osit
2 Interest First Fi=ed De&osit
'biram '%%ount
Oee '%%ount
+ D(S7De&osit (remium S%heme
G Savings '%%ount
C Short 1erm De&osit'%%ount
8 5urrent '%%ount
9 Salary '%%ount
!0 eneral Fi=ed De&osit
!! Ste& U& Fi=ed De&osit
!2Femina'%%ount 7*, laun%hed in /ar%h, 200C
Card&6
! '1/NDebit 5ard.
'1/ Debit 5ard features
'1/ $o%ations(#S #utlet
$ost 5ardN5ard )e&la%ement
>el&line
2 B)'5 Ban6 5redit 5ard
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5o-Branded 5ard.
'arong
'$I5#
DI' old
Stdent Corner6
! Student File
2 5am&us '%%ount
Student $oan
S/S Ban6ing
*#*-Sto& Ban6ing
FP-Servi%e
/edi%al File
B)'5 Ban6 Dire%t.
QInternet Ban6ing
#nline Ban6ing
Misa Fee 5olle%tion.
'ustralian Misa '&&li%ation J Fees 5olle%tion
United ingdom Misa '&&li%ation J Fees 5olle%tion
1hailand Misa '&&li%ation J Fees 5olle%tion
5anadian Misa '&&li%ation J Fees 5olle%tion
5 *on-Funded Business.
>ello nglandN'ustraliaN1hailand.
QFastest 1ransfer of /oney
Foreign 5urren%y J 1raveler
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QStudent File
QD(S '%%ount
QSavings '%%ount
1ele-Ban6ing
5or&orate $oan (rodu%ts.
#verdraft
1erm $oan
$ease Finan%e
$oan 'gainst 1rust )e%ei&t 7$'1)
or6 #rder Finan%e
/edium nter&rise
1rade Finan%e.
$etter of 5redit 7$5N $etter of uarantee 7$
5or&orate 5ash /anagement.
*5S
(1S
'dvantages to m&loyers
'dvantages to m&loyees
5ash /anagement Servi%es
D Se%ure )emittan%e Servi%e 7S)S.
)emittan%e (ayment
(robashi (rodu%ts.
(robashi 5urrent '%%ount(robashi Savings '%%ount
(robashi D(S
(robashi Fi=ed De&osit
(robashi Biniyog
(robashi 'biram
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*.0+ Ser%ice pro%ided 'y (ROC) in Sylhet
In Sylhet division there are !2bran%hes in B)'5 Ban6 $td
0! /oulvibaAar Bran%h
02 Sylhet Bran%h
0 *abigon3 Bran%h
0 OindabaAar Bran%h
0+ BeanibaAar Bran%h
0G Bis;anath Bran%h
/ainly )#5 maintain the si= bran%h o&eration side J S/ ban6ing o&eration Sylhet territory
From BB$ &rovide follo;ing o&erations, Sylhet )#5 &rovide
a 5entral o&eration de&artment
! 5learing
2 Bangladesh Ban6 fund monitoring
b )etail ban6ing o&eration
! '%%ounting o&ening data in&ut
2 S%anning signature
'%%ount from filling %t%
% S/ Ban6ing o&eration
Some Ban6ing o&eration in%ludes
! S/ loan file do%s %he%6ing
2 S/ loan Disbursements S/5 loan re&ayment
S/ loan 5losing
b eneral 'dministration Infarsta%hure Servi%e 7'IS
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'IS maintain the all bran%h o&eration side and also it is im&ortant for Ban6 If IS member
does not maintain this then the others Ban6ing side is not ;ell the main thin6 of the Ban6
1hey &rovide
! 'rea maintaining
2 'll Bran%h maintain
Fi=ed assets maintaining
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Chapter t/o
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0.* Origin o, the Report
1his re&ort is done as &artial re@uirement of the /B' &rogram for the students of Sylhet
International University, Sylhet 'fter %om&leting my institutional study I 3oined B)'5 Ban6 $td
at Sylhet )#5 I ;as assigned to &re&are re&orts on 4S/ $oan Disbursement &ro%edure4 based on
my &ra%ti%al e=&erien%e at the res&e%tive organiAations
0.0 Ai! o, the report
I am a student of /B' 7/ar6eting %ondu%ting internshi& at B)'5 Ban6 Sylhet 7)#5 I ;as
&la%ed to gain a real life ;or6 e=&erien%e 1he aim of this re&ort is to &rovide the reader of ;hat
fla;s I have found 7in %onte=t of /ar6eting at the a&&ointed bran%h Some re%ommendations on
ho; these fla;s %an be re%tified are also &rovided
0. Scope o, &tdy6
1he s%o&e of the study is limited ;ithin Sylhet )#5 of B)'5 Ban6 $imited only and it"s
%over mainly BB$ re&orting and retail related information But in this re&ort it"s goes ;ith
&erforman%e related &ay ;hi%h is related ;ith retail de&artment
0.1 O'jecti%e o, the report
1he &rime ob3e%tive of the study is to gain &ra%ti%al e=&erien%e by ;or6ing in a Ban6 and thus
relate theoreti%al 6no;ledge ;ith reality Some other ob3e%tives are as follo;s.
1o fulfill the re@uirement of ending a%tivities of /B' &rogram
1o be%ome a%@uainted ;ith the servi%es &rovided by the B)'5 Ban6, Sylhet
7)#5
1o 6no; about their mar6eting strategies based on seven im&ortant elements of
mar6eting mi=, ;hi%h is %ontrol by the B)'5 Ban61o gather 6no;ledge about fun%tions and transa%tions of different de&artments of
ban6 and %om&arison of &ra%ti%e based on theory
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1o 6no; the terms and %onditions of S/ loans
1o 6no; the S/ loan a%tivities in B)'5 Ban6
1o 6no; about the &roblem and barriers they are fa%ing in &roviding servi%es1o 6no; about the &roblem and barriers that %ustomer are fa%ing after having the
servi%es and at the time of re%eiving the servi%es
1o 6no; ;hat are the benefits and servi%es that the %ustomers are e=&e%ting from
the Ban6
0.3 Methodology
' ;ide range of literature is revie;ed to gather ne%essary information about the sub3e%t matters
of this study 1hese literatures in%lude the te=ts, &rofile, annual re&orts, do%umentationE different/anuals et% 1he data ;as %olle%ted for this study by &ersonal 3ob e=&erien%es
' thorough and insightful observation is %ondu%ted on the various 'dministrative, Interventional
and /ar6eting &hiloso&hies, a&&roa%hes and &ra%ti%es to %olle%t ne%essary information
Dis%ussion ;ith the staffs and other related &ersons generated standard information for the study
is also a %om&rising tool and also im&ortant instru%tions from the &ro3e%t su&ervisor
0.4 Sorce& o, ?ata
Collection o, pri!ary data6 I have %olle%ted many of the data and information from my
&ra%ti%al e=&erien%e and @ueries from the offi%ers ;hile doing my &ro3e%t at B)'5 Ban6
$imited Information and data regarding &rodu%ts J servi%es, ban6ing o&erations, organiAation
stru%ture, management &ersonnel and &oli%ies ;ere %olle%ted from this sour%e
(rimary Sour%es are as follo;s.
(ersonal observation
Dis%ussion ;ith ban6"s offi%ersDes6 ;or6 in different se%tionNdivision
Collection o, &econdary data6
Different finan%ial statements of the ban6
'nnual re&ort of B)'5 Ban6 $imited
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5onsultation of related boo6s and &ubli%ations
Different %ir%ulars issued by >ead #ffi%e and Bangladesh Ban6
Mou%hers, leaflets, loan files, (( of the ban6 Files, balan%e sheet and various do%uments
of B)'5 Ban6 $imited
ebsite of B)'5 Ban6 $imited
0.7 Li!itation& o, the Stdy
1he resear%h re&ort may not sho; the overall %ondition of the entire ban6 or may not be a &ro&er
re&resentative 1here may be a %om&letely different s%enario in other bran%hes or )#5s of the
ban6 1he study has suffered from a number of barriers
Data from B)'5 Ban6 is highly %onfidential
1ime is also a big %onstraint for my resear%h I have to submit a broader deal in a
shorter form of out%ome
1he em&loyees in Sylhet )#5 are so mu%h busy in their res&onsible fieldsE they %ould hardly
&rovide little time to dis%uss ;ith them
Defi%ien%ies in data re@uired for the study
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Chapter :hree
Project
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.* S!all D Medi! Enterpri&e& (SME)
S/ is defined as, ' firm managed in a &ersonaliAed ;ay by its o;ners or &artners, ;hi%h has
only a small share of its mar6et and is not suffi%iently large to have a%%ess to the sto%6 e=%hange
for raising %a&ital: S/ ordinarily have fe; a%%esses to formal %hannels of finan%e and de&ends
&rimarily u&on savings of their o;ners, their families J friends 5onse@uently, most S/s are
sole &ro&rietorshi&s J &artnershi&s 's ;ith all definitions, this one is not &erfe%t De&ending on
%onte=t therefore definition of S/ ;ill vary
Des&ite the %ommon features globally, %ountries do not use the same definition for %lassifying
their S/ se%tor 'lso, a universal definition does not a&&ear feasible or desirable S/s have
been defined against various %riteria 1he three &arameters that are generally a&&lied by the
overnments to define S/s are. 5a&ital investment in &lant and ma%hinery
*umber of ;or6ers em&loyed
Molume of &rodu%tion or turnover of business
#ther definitions are based on ;hether the o;ner of the enter&rise ;or6s alongside the ;or6ers,
the degree of so&histi%ation in management, and ;hether or not an enter&rise lies in the 4formal4
se%tor 1he definitions in use de&end on the &ur&oses these are re@uired to serve a%%ording to the&oli%ies of the res&e%tive %ountriesNovernments '%%ording to Bangladesh Ban6
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.*.* ?e,inition o, S!all Enterpri&e
Small nter&rise refers to the firmNbusiness ;hi%h is not a &ubli% limited %om&any the follo;ing
%riteria.
:a'le6 S!all Enterpri&e
.*.0 ?e,inition o, Medi! Enterpri&e
/edium nter&rise refers to the establishmentNfirm ;hi%h is not a &ubli% limited %om&any and
%om&lains the follo;ing %riteria.
:a'le6 Medi! Enterpri&e
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.*. 5eneral SME 5ideline& 'y Banglade&h Bank
Bangladeshi S/ se%tor is guided by general S/ uideline of Bangladesh Ban6 uidelines are as
follo;s-
a%h ban6Nfinan%ial institution shall follo; a se&arate business strategy in finan%ing S/loan ;ith least formalities in e=e%uting do%umentation to ensure easy and s&eedy loan
san%tion and disbursement &ro%ess
(riority shall be given to small entre&reneurs
For small entre&reneurs %redit limit ;ill be ranged from 16 +0,000 7Fifty thousand to
16 +0, 00,000 7Fifty la%s
For more &arti%i&ation of ;omen entre&reneurs in industrial develo&ment of the %ountry and
for %ondu%ting business a%tivities by ;omen entre&reneurs in large number, &riority shall
have to be given to &otential ;omen entre&reneurs in res&e%t of S/ %redit disbursement
Ban6s J Finan%ial Institutions shall &ut highest &riority in re%eiving loan a&&li%ation from
small and medium ;omen entre&reneurs and settle the loan disbursement &ro%ess ;ithin very
reasonable time from the date of a%%e&tan%e of the a&&li%ation
a%h ban6 and finan%ial institution shall establish a se&arate "omen ntre&reneurso;ever, BB$ has to remain vigilant about this
&roblem so that &roa%tive strategies are ta6en to minimiAe this &roblem if not elimination
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Chapter fourData analysis
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8.1. MAJOR FINDINGS
! B)'5 Ban6 is rea%hing &oorer distri%ts but insignifi%ant to their total &ortfolio
2 1he &oor are not the target audien%e of B)'5 Ban6 It targets middle %lass
enter&rise ;ho %ould fulfill the %riteria of B)'5 ban6
1he highest &er%entage B)'5 Ban6
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!0 1he environment inside the ban6 needs to be im&roved signifi%antly for effi%ient
and &leasant ban6ing a%tivities for the %ustomers
!! 1he servi%es of the ban6 need to be reevaluated to attra%t %ustomers
!2 (rofit rate is the most im&ortant fa%tor that is %onsidered by the %ustomers ;hen
they are thin6ing about FD)Nother de&osits
! 1o in%rease %ustomer satisfa%tion the ban6 needs to im&rove their servi%e @uality
by &roviding more im&ortan%e on %ustomer
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8.1. RCOMMNDA!ION.
'lthough this Ban6 is ma6ing a huge amount of &rofit and generating a large volume of
de&osit, a number of &roblem have been di%tated ;hile I ;or6ing in the )egional
#&erational 5entre 7)#5 Based on my ;or6ing e=&erien%e at BB$ )#5 In Sylhet
I )e%ommend that if B)'5 Ban6 over%ome these follo;ing &roblems, 1hen Ban6 should
be ado&t the follo;ing %hanges.
1ry to &rovide best 5ustomer Servi%e in the rivalry industry
1o motivate the em&loyees by ade@uate fa%ility
5ustomer res&onse ;ith ust in time 7I1
)edu%e the Interest rate
)edu%e servi%e %harges
Ban6 should in%reasing investment in agri%ulture, servi%e and industry and
manufa%turing in the future might %reate s%o&e of em&loyment of the &oor &eo&le
=e%ution team should be more %areful ;hile to e=e%ute the S/ loan for %lients
1o stri%t their ;or6station managements
S/ unit offi%es of B)'5 Ban6 %an be used to deliver the remittan%es at a lo;er
%ost But the usage of S/ unit offi%es for remittan%e &ur&ose is sub3e%t to
Bangladesh Ban6 &ermission For this reason Bangladesh Ban6 should be &ursued
so that they allo; B)'5 Ban6 to use its S/ unit offi%e for remittan%e delivery
)edu%e the a%%ount maintaining 5harges
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".1. CONC#$SION%
B)'5 Ban6 $imited is &roving itself as the fastest gro;ing ban6 ;ith establishing its +G
bran%hes and !2+ '1/ booths in%luding !0 5D/ 75ash De&osit /a%hine and 9+0 (#S7(oint of sales only in 9 years of its 3ourney and sho;ing remar6able &rogress of its
finan%ial &osition ;ith the mission of being %ountries leading ban6 &roviding ;orld-%lass
servi%es in a %ost effe%tive manner
Sin%e the ban6ing servi%e es&e%ially the &rivate Ban6s are doing an outstanding business,
so it is %lear that the modern &eo&le are more %on%erned about se%uring their valuable
assets and get high-@uality and timely servi%es For this reason lot of ne; %ommer%ialban6 has been established in last fe; years and these ban6s have made this ban6ing
se%tor very %om&etitive So, no; ban6s have to organiAe their o&eration and do their
o&erations a%%ording to the need of the mar6et Ban6ing se%tors no more de&ends on a
traditional method of ban6ing
In this %om&etitive ;orld this se%tor has tren%hed its ;ings ;ide enough to %over any
6ind of finan%ial servi%es any;here in this ;orld 1he ma3or tas6 for ban6s, to survive in
this %om&etitive environment is by managing its assets and liabilities in an effi%ient ;ay
B)'5 Ban6 is the most &romising &rivate %ommer%ial ban6 in Bangladesh
B)'5 Ban6 endeavor to in%rease their &rodu%t and servi%es although they &rovide a
;ide range of &rodu%t of servi%es to their %ustomers
B)'5 Ban6 is hel&ing the e%onomy of Bangladesh by remitting of funds both lo%al and
foreign For hel&ing the &eo&le the ban6 &rovides bridge finan%ing loan, ;or6ing %a&ital
loan to its %or&orate %lients
B)'5 Ban6 gives &riority to lending in small and medium enter&rises in rural areas
ithin ! years of o&eration, the Ban6 has disbursed more than 16 !8,000 %rore loanto
over CG la6h S/entre&reneurs in the %ountry realiAing million dreams and %reating
huge em&loyment o&&ortunities in the %ountry 1he 'sset #&eration De&artment a%ts as
the last line defense of the ban6 1his division is res&onsible for the %om&lete
disbursement, re%overy and %losing &ro%edures 1he &ro%edures start form the san%tion of
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the S/ loan 1he res&e%tive sele%t &otential enter&rise, %olle%t %onfidential information
about the enter&rise, o&en %lients a%%ount is the res&e%tive ban6 ;here B)'5 Ban6 has
its o;n a%%ount, filled u& 5IB form and send it to the 'sset #&eration De&artment 1hen
the 'sset #&eration De&artment starts its a%tivities 1he 'sset #&eration De&artment
sends the 5IB form to the Bangladesh Ban6 to 6no; the 5IB status of the a&&li%ant If
the re&ort found %lean then it send ba%6 to the unit offi%e for send &ro&osal for the loan
1hen the unit offi%e san%tion loan and send it again in 'sset #&eration De&artment for
disbursement 1he 'sset #&eration De&artment then &re&are a loan file and %he%6s all
ne%essary do%uments, &re&are a list and disburse it
1he B)'5 Ban6
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Bi'liography6
Report6
! 'nnual )e&ort of B)'5 Ban6 $imited
2 'nnual re&ort on Bangladesh ban6
(revious internshi& )e&orts
e' re,erence6
! ;;;bra%ban6org
2 ;;;bangladesh-ban6org
;;;ban6ing%om
n%arta n%y%lo&edia Brittani%a-200+
Book Re,erence&6
! B)'5 Ban6 leaflets, bro%hures and o&erations manual
2 #&erations /anagement- illiam StevensonE Gth edition
(rin%i&le of /ar6eting- (hili& otlerE !0thedition
/ar6eting of ban6ing servi%es- 5'IIB =amination
+ Ban6 &ari6rama L ' 3ournal of Ban6ing and Finan%e, /ar%h 200
G hat the Ban6ers Does- 2ndedition !990
C 1imothi 5o%h, Ban6 /anagement , third edition
8 )ose (eters, 5ommer%ial Ban6 /anagement, third edition
http://www.bangladesh-bank.org/http://www.bangladesh-bank.org/