Browsing by Author "Afrin, Tasneema"

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A study on the advertising campaign, insight and justifying my job profile in context of Ogilvy & Mather, Bangladesh
(BRAC University, 9/15/2013) Zulfiqur, Kazi Taslim; Afrin, Tasneema
Over the years, brand promotional strategies and advertising techniques have changed radically; mostly to cope with the changes in how consumers view and perceive things and to stand out in the clutter of today’s advertising efforts. Marketers and creative agencies are increasingly moving away from the generic advertising methods which mostly included TV and Radio commercials, activations and in case of Bangladesh, a whole lot of billboards. While marketers are realizing the importance of differentiating not only in terms of their product USPs, but also in how they present and promote it to the consumers, it is actually the creative agencies that truly believe in the continual change of the advertising era. However, in a country like Bangladesh, change comes at a glacial pace. Advertising really hasn’t completely moved away or even “far away” from its conventional methods for that matter in our country. Creativity is nurtured and encouraged but very few clients can completely trust their agencies do come up with something ground breaking in their campaigns. Billboards, print ads and TVCs are still used significantly for a campaign whether or not they are required, and this happens mostly in cases where the client is head strong about its decision and doesn’t want to risk not adhering to the traditional mediums of marketing. In a country like Bangladesh, exceptionally innovative ideas in marketing campaigns, especially guerilla advertising that is widely popular abroad, can be rarely implemented because clients feel out of zone and unsure about using them. But this client-agency gap doesn’t stop agencies from trying to come up with newer and more innovative marketing ways and pitching them to the client. Ogilvy Bangladesh has been successful in getting its long term customers to trust in them to provide the best marketing and advertising solutions and stepping outside the box when it came to creative advertising. This report analyzes how this agency has successfully pulled off creative campaigns and implemented various innovative ways of branding, not just sticking to the conventional methods. In this I have highlighted some of the campaign that I was involved with, some insight and a discussion on my job profile and my contribution to Ogilvy Bangladesh.
Analysis of credit department, different activities in risk management division & last four years financial performance (2009-2012) of Bank Asia Limited
(BRAC University, 10/6/2013) Bari, Md. Masudul; Afrin, Tasneema
This report aims toward providing an overview on Credit Department, Risk Management & Performance Analysis of Bank ASIA Ltd. While preparing this report it has been tried to reveal the insights of the Credit Department, Risk Management & Performance Analysis of the bank a few recommendations and suggestions were also prescribed based on the observation and findings. The Bank Asia Ltd. is a private commercial bank which is operated by the Banking Companies Act 1991. It was established in 1999 with a view to providing financial assistance including all kinds of banking facilities to accelerate the pace of development to small industry of Bangladesh. As a broad policy objective in respect of small industry financing the Bank undertakes the following tasks: extends financial assistance to small industries in private sector, financial assistance to micro-enterprises and collaborates with other institution engaged in financing and developing such enterprises. The aim of this paper is to analyze Credit Department, Risk Management & Performance Analysis of Bank Asia Ltd. to make it more competitive in the banking industry with a view to how to counter the ensuing challenges in the industry as a consequence of changing global business nature and technological development. For this purpose, business philosophy, mission, objectives, activities and current strategies of Bank Asia Limited are analyzed at the initial stage. Finally, identifying the shortcomings of strategies Bank Asia is currently applying an attempt has been made to recommend the strategic options for Bank Asia to become more competitive in the banking industry.
BTS Investment decision and payment process Grameenphone Limited
(BRAC University, 9/22/2013) Hossain, Md. Sohrab; Afrin, Tasneema
As a under grade student of Brac University, Dhaka.Brac Business School, it is necessary to join with a company for gaining the practical experience of the theoretical know how’s and I got the chance to join Grameenphone Limited, one of the renown telecom companies of Bangladesh to do my internship program. In these 2.5 months of internship period I got the opportunity to work under different section of the finance division and learn the new tasks in the new environment. Along with gathering the practical experience I have also prepare this report on to complete the internship procedure. This report is combined information of the experience on Grameenphone Limited and what I have learned and came to know about the BTSinvestment Decision and payment procedure from personal learning and shared knowledge. BTSinvestment decision is a major decision for any telecom industry and Grameenphone Limited isnot an exceptional in that case rather to hold its current position or improve the position in themarket Grameenphone has to take this decision more wisely. It is not that easy task to make suchbig decision, there is long process involves in it. Although there is a yearly budget prepared inadvance for investment in this sector each year, but any emergency need can affect thispredetermined budget. Mainly the demand for a new investment occurs for two reasons like toimprove present network quality or to increase the coverage area. Whatever the reason is theinvestment decision cannot be approved without a proper investigation, survey and analysis.Before taking such decision the departments of Market Operation, Finance and Technology haveto work so hard to come up with the ultimate conclusion. Basically the need can be identified byeither Market operation department or technology department or by both of the departments.After proper analysis by these departments the decision making is leave up to the financedivision after cross checking all the pros and cons if the output from the new investment issatisfactory only than finance department approve the investment decision. Otherwise they haveto look for the alternate decisions of the BTS investment. Once the decision is made forinvestment then technology department along with the help of other departments makes anagreement paper with the owner of the plot which is selected after site investigation for makingthe BTS plant. And after all the procedures when the agreement is finalized, the construction ofthe plant is started with the enlisted vendors for this task under the supervision of the civilengineer of Grameenphone limited. And the vendors are bound perform the task as per theircontact agreement with the Grameenphone.
Credit management of NCC bank ltd.
(BRAC University, 1/17/2012) Shoaib, Md. Tahsin; Afrin, Tasneema
In order to provide a student with job exposure and an opportunity of the transition of theoretical knowledge into real life experience, an internship is a must. A better balance between theory & practice can be gained through this program. Banking system of Bangladesh has gone through three phase of development --- Nationalization, Privatization and Financial Sector Reform. National Credit and Commerce Bank is the largest Private Commercial Bank from 1993 with new hope and promise to serve the countrymen. This report mainly divided into three parts. First Part deals with my practical experience as an internee in NCC Bank Ltd., Elephant Road Branch and my own observations on Management and Organizational Pattern of the NCC Bank Ltd. And final part deals with credit management of the NCC Bank Ltd. The report is a combination of three months internship program with NCC Bank. I acknowledged different banking functions and day-to-day banking operations on my way to complete internship. In this paper I have explained my best in respect of my real life experience gathered from different departments.
Financial analysis of HSBC (2008-2012)
(BRAC University, 10/8/2013) Shams, Md. Ishtiaque; Afrin, Tasneema
This report elaborates some key financial findings of HSBC from the 2008 to 2012 and tries to give a meaningful interpretation of the major findings. The findings will provide a snap shot of HSBCs performance over the last couple of years and how they have been doing as a global bank. The report also contains my role as an intern in HSBC Bangladesh and what I have done in these four months of my stay in the management office of HSBC. I have tried to relate my academic learning in the practicality of an office premises and also used the opportunities to learn the things outside the theories of academic books. The report is broken down into several parts for the ease of reading. This report showcases my four months experience in HSBC.
Financial performance analysis of Prime Bank Limited (2008-2012)
(BRAC University, 5/30/2013) Singha, Srabanti; Afrin, Tasneema
As a fully licensed commercial bank, prime bank ltd is being managed by a higly professional and dedicated team with long experience in banking. This report is done based on the three months long internship program that I have successfully completed in Prime Bank Limited, Banani Branch from January 29-April 29 (2013) as an requirement of BBA program in BRAC Business School. Topic of my internship report is-“Financial Performance Analysis of Prime Bank Limited from 2008 to 2012”. This report contains two major parts. In first part I have described my responsibilities during the internship period in Prime Bank Banani Branch. In second part I calculated all basic financial determinants to measure a bank’s financial performance in the last five years. They are- Return on Assets(With Breakdown), Return on Equity(With Breakdown), Net Interest Margin, Earning per Share, Earnings Spread, Interest Sensitive Gap, Relative IS Gap, Interest Sensitivity Ratio, Liquidity Indicators, GAAP, Rap Capital, Market Value Capital, Leverage Ratio, Core Capital, Supplementary Capital, Internal Capital Growth Rate. After completing the calculation, the analysis is done that means according to the change of the ratios at different times I tried to interpret the reasons of the change of the ratios. By analyzing the ratios I figured out some problems. Based on those particular problems I recommend some points which I think will be helpful for Prime Bank Limited to overcome the financial shortcoming. Lastly the conclusion of the report has been done.
Foreign trade activities in Bank Asia Ltd.
(BRAC University, 1/19/2012) Hossain, Md. Tawfique; Afrin, Tasneema
The report stands for foreign trade activities in Bank Asia ltd. Foreign trade operation is one of the significant functions of the bank. It plays a vital role in overall economy of the country. Foreign trade contains Import and Export section and foreign remittance department contains inward and outwards remittance. From the beginning to last second of report the entire procedure has been published with the full of required data. All the clauses and steps are clearly mentioned in this report. The details about Letter of credit i.e. classification of L/C, L/C opening procedure, types of L/C, L/C payments moods, required documents, documents checking, transmitting L/C, about pre-shipment inspection when it is needed. Amendment, why it is required and when? Lodgment system. When document is going out retire what the last step of retirement. The entire system about import financing, how could the bank assist to importer through financing. And also disclose the matter about export procedure. The procedure began to get the ERC (Export registration certificate) by chief controller of import & export office. After that, receiving the letter of credit and advising L/C, necessary document collection and negotiation. How the bank assist to exporter through financing. Last but not the list the foreign trade remittance process. And performance and trend analysis. Here expose export & import growth. The export growth is positive impact for economy.
HR policies facilitating the human assets of Airtel Bangladesh Limited
(BRAC University, 1/9/2014) Zahan, Israt; Afrin, Tasneema
The internship report based on the 3 months internship program that I had successfully completed in Airtel Bangladesh Limited in Human Resource Department under Human resources operations from 10 September’13 to 9 December’13 as a requirement of my BBA program of BRAC Business School, BRAC University. Being a fresh graduate I was really too new to work in such an established multinational organization. Throughout these times, I have involved with different projects regarding compensation activities and extended my further knowledge. Sine I did my major on Human Recourses and minor in Finance, the combination of both really made my works related to compensation easier. I had involved with the preparation of some important projects including “Airtel Employee Handbook 2013”, KUDOS Reward and Recognition” and successfully accomplished those. Besides my own duties, I had also involved with the training programs those used to be arranged for new and existing employees and got to know lot of policies and systems of Airtel Bangladesh Limited. On the first month of my joining I was involved with different document preparation, new joined employee appointment letter issuance along with arranging training sessions. My second month went pretty rush because of strikes and political vulnerability throughout the country. During this month I was involved with the preparation of KUDOS Reward and Recognition Policy for ABL. In my last month, I had assigned with the completion of Airtel Employee Handbook ’13 and I was successfully capable of finishing the project within the deadline. Furthermore, I had completed ABL Dress Code Policy for the year 2013. My personal views about the HRD, my value addition to the HRD are also included in the report. With my personal and professional exposure, I tried my level best to make this report as much understandable as possible and translated the real world experience into this report. The various boundaries to process improvement and maintaining ethical standards in a corporate environment have also been experienced. But even so, how these policies and practices are In-Line with the corporate strategy are discussed in this report. Some of the information provided here are confidential to Airtel Bangladesh Limited and cannot be used without further authorization.
Human resource and compliance management of Jeans 2000 Ltd
(BRAC University, 9/29/2013) Fahad, Mehedi Hossain; Afrin, Tasneema
Readymade Garments demand is second demand in five fundamental demand of the human being. For enrollment in civilizations garments is fundamental requirement to social members. So, garments demand and style are changing in nature. This demand is comparatively rising than other demands except food. Readymade garments have demand in global markets from the first stage of civilization. Global or International market demand of readymade garments has made challenges to the International vendors in different nature included micro, macro and foreign elements. This indicates the vendors to practices regarding recruitment and selection and the proper compliance management to capture international market. Ready Made Garments Industries in Bangladesh contain the lion contribution of our national income. Ready Made Garments sectors prospect means the prospects of our economy also. In the year 2012 Ready Made Garments export was 19 billion this is 76% share of our total national exports. In Garments Industry near about 2 million workers are working in 4500 Garments. This employment helps our economy to boost. In total containers handling in sea, air and land ports with 78% of containers are relates to Garments industry. After implementation of Uruguay Round Negotiations envisaged the phasing out of MFA by the end of 2004, this provides opportunity to the Bangladeshi vendors for covering the new and maximum export to the target market. But our RMG sector faces some internal and external problems. Jeans 2000 Ltd. basically export the international market in categories of Garments does not export under Garments. Also this group export major share in USA, EU, Sweden and Canada. Jeans 2000 Ltd. is very much conscious about the buyer requirements as well as the employee rights so workers unrest is minimum in the Jeans 2000 Ltd.’s factories. Compliance department takes a great role to improve the productivity and employee satisfaction in the factory because this department looks after the employee rights. The focus of this report is to provide information about usage of HR policy in practical life. And I have shown the usage of those terms in JEANS 2000 Ltd. I have shown also how the recruitment and selection process and other activities go on in a Bangladeshi Garments.
Quality os Customer Service in the Banking Sector of Bangladesh: an explorative study
(East West University, 1/1/2012) Afrin, Tasneema
After careful evaluation of the customer service quality by the private commercial banks of Bangladesh, following major recommendations are suggested in this article: 1. Recognizing 'Quality' problem- identifying the problem area for the banks 2. Selling the idea of 'Quality' to the internal audience (staff) 3. Creating a 'Customer focus and care' culture 4. Developing customer-oriented measures to improve quality 5. Improving the physical evidence Supporting these recommendation are the following findings and conclusions drawn from an observation of 100 random customers selected from 5 major commercial banks in Bangladesh using the SERVQUAL method. The survey revealed that customers prioritized 'Responsiveness' as the most important dimension of service quality. The tangible stood second in priority followed by Reliability, Assurance and empathy respectively. Empathy towards customers is not a widely practiced phenomenon as it was the lowest of the five dimensions with a score of 6.15. Customers ranked HSBC as the best among the selected banks with an overall service quality score of 7.4 while EBL was rated worst with an overall service quality score of 6.25
SME Activities of Standard Chartered Bank in Bangladesh
(BRAC University, 1/12/2012) Hasan, Md. Rakibul; Afrin, Tasneema
There is a great supportive role of banking system in human society. It plays a vital role for the economic development of a country. The local banking system of Bangladesh is developing their services day by day by following the multinational banks. Standard Chartered Bank is one of multinational bank who is leader and follower of the other local banks. At the same time it brings different modern technology in our banking culture. In Bangladesh Standard Chartered Bank operate the banking operation over the Sixty Two (62) years. In that time it did lots of changes in this sector and it promoted many new ideas in this sector. Standard Chartered Bank is trying to develop economic condition of the country. In the SME, SCB has five different products for their different customer choice. Today this bank provides loan facility TK 10 Lac (BDT 1 million) to TK 15 crore (BDT 150 million) to that small and medium enterprise that has no easy access to banks or financial institutes. In the portfolio of SME, SCB gave loan (BDT 7.5 billion) TK 750 crore in the year of 2011. It is a huge amount of money that SCB providing for their customer in the SME loan. The success of SME will largely depends on the selection of a business and man behind the business. Standard Chartered Bank provides this facility to those whose business operation is minimum one year and environment friendly business. At the same time the business should be legally registered and must have valid trade license. The entrepreneur should be physically able, preferably between the ages 25 to 50. Entrepreneur must have the necessary technical skills to run the business and acceptable social standing in the community. The core competence of the Standard Chartered Bank is to provide the fastest loans to the customers in this country. To retain this competitive advantage Standard Chartered Bank would provide latest facilities whether they can give fastest services to clients than other banks. Regarding the services by the Relationship Officer (RO) or sales executive, almost all clients are satisfied by get these quick facilities from them. In the survey it is found that most of the clients give a suggestion to decrease the interest rate and loan processing fees. So, personally I think SCB management look after this things from the view point of customer and the competitor banks. By this way the Bank will be able to keep on playing its important roles in our economy.
SME financing of Dhaka Bank Limited: an endeavour to encourage entrepreneurship
(BRAC University, 1/16/2014) Sabin, Shehinta; Afrin, Tasneema
customers having enough resources that could easily provide adequate coverage of the exposure through offering high value security. A substantial portion of bank’s lending was thus security oriented and that too to a few large and corporate clients. But experience with large customers was not that much pleasant as was thought to be. So changes in the concept of bank’s lending became necessary. Financing in Small & Medium Enterprises (SME) have become a major focus of the commercial banks as an effective means of stimulating economic activity for overall development of a country like Bangladesh. Dhaka Bank Limited is pretty aware of this lending concept and has already stepped into the field by extending finance to this sector. From the very beginning of its inception, DBL is endeavoring to encourage entrepreneurship within the country. This report is a small attempt to focus on that endeavor DBL has adopted to encourage entrepreneurship. The report consists seven chapters. Chapter one talks about the origin, objective, scope, methodology and limitations of the report. In chapter two, the author has briefly discussed about Dhaka Bank Limited’s Historical Perspective, Mission & Vision, Goals of the Bank, Values, Objectives of the Bank, Management System, Correspondent Relationship, Departments of DBL, Current Performance, Policies and Strategies of the bank, Environment of Dhaka bank, Corporate Banking, Banking System and Financial Structure In Bangladesh, Commercial Banking in Bangladesh, SWOT Analysis of Dhaka Bank Limited, Credit rating report of Dhaka bank limited. Chapter three consists of the working experience of the author in different departments. The whole SME financing, Product Program Guide under DBL SME Financing where the author discussed about the types of facilities under DBL SME and their features, eligibility criteria to enjoy the facilities, customer segments, purpose for DBL SME financing, restricted areas under SME Financing etc. SME loans and advances procedure has been discussed in chapter four. Each and every step from loan application receiving to loan disbursal and loan recovery has been elaborately described in this chapter also DBL SME Financing Scenario in recent years. Chapter five contains findings and analysis of the study respectively. Finally, the author has made her recommendations and conclusion in chapter six and seven respectively. Several suggestions to develop the SME Financing System of Dhaka Bank Limited have been given in this part.
The competitive grant making procedure and financial health analysis of Arannayk foundation
(BRAC University, 5/30/2013) Daru, Jessie Namnika; Afrin, Tasneema
The goal of this report has been to find out about how a funding organization manages its financial health and how its offers grants to implementing entities. The Report titled as ‘The Competitive Grant Making Procedure and the Financial Health of Arannayk Foundation’ discusses about how a unique not for profit funding organization manages its fund and how it maintains its financial aspects. For ease of understanding, the report has been segmented into five parts. The first part contains information on everything regarding the report, its origin, the objective of this report, the limitations and much more. The second part contains information regarding the Arannayk Foundation, its vision, mission and objectives. The third part contains information regarding the activities and tasks that I had to perform during my internship. The fourth part contains the analysis part of my report where I have conducted an analysis on the financial health of Arannayk Foundation and have described the Competitive Grant Making Procedure of the organization in detail. In the last part, I have given some recommendation and have concluded my study. The Arannayk Foundation uses the Grant Making Procedure to provide grants to different implementing entities. The six steps consists of the Financial Planning step, the Program Development step, the Approval of Board step, the Public Call for Proposals step, the Evaluation step and the Grant Making step.
The Evolution & art of Advertising
(BRAC University, 1/15/2014) Sayema, Ayesha Tasnim; Afrin, Tasneema
The brand promotional strategies and advertising techniques have evolved drastically, in the intervening years. The changes were mostly to cope up with the changes in consumer’s perspectives and how they perceive thing, and to stand out front from the clutter of today’s advertising campaigns. The generic tools and methodologies of marketers and creative agencies have shifted to a more innovative, effective and interactive pathway. However, in a country like Bangladesh,such changes do not appear frequently. Advertising techniques has not yet moved away from its usual square. The reason is that in most of the cases, clients highly discourage anything completely new due to the rrelated risk factors. TVCs, RDCs, Billboards, press communications are still carried away in a evry significant way. Thus, the country is yet to experience a leap in advertising that would change the conventional definition f advertising in Bangladesh. By eradicating client-agency gap, Bangladesh has very recently experienced few innovative advertising techniques. And Ogilvy & Mather, Bangladesh has successfully been a part of that change. The following report examines few of the cases from Ogilvy & Mather, Bangladesh and Global Ogilvy& Mather as well. The report also indicates the upcoming shift of the industry towards a more dynamic and pioneering change.
The export and import activities of Divine Tex Limited
(BRAC University, 1/16/2014) Sarkar, Suman; Afrin, Tasneema
The study has done for the Divine Tex Limited. The report gives an overall idea about the activities of Divine Tex Limited and specially their export and import activities. Divine Tex Ltd is a leading RMG company of Bangladesh. It started it’s journey in Bangladesh in 1992. Since then it has been dominating in it’s own business sector. The main products of the company are Menwear,women Wear,childern wear,infant wear ,night wearand sports wear.Therefore, the export team of Divine Tex Ltd Plays an important role in it’s success. This report has enriched with the Product processing and credit control activity of Divine Tex Limited. When the order is recorded, is updated to the DTL that is sales report. Every day the sales report is updated and the data is used by the credit control department. According to the Product processing division,when order is arrived from Buying or forgien company Product Design, Fabric Selection and Inspection, Pattern making, Grading, Marking, Spreading, Cutting, Bundling, Sewing, Pressing or Folding, Finishing and Detailing, deying and Washing , QC etc. When product are finished it go for final inspection by Buying house or Retailer company agent.when inspection is completed product dispatches for shipment. Thus the Divine Tex Limited operating successfully in Bangladesh and contributing in Bangladesh economics.