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:
[email protected]: +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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