Internship Reports

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A COMPARATIVE ANALYSIS OF SERVICE QUALITY OF GRAMEENPHONE WITH OTHER PRIVATE TELECOMMUNICATION SERVICE PROVIDERS IN BANGLADESH
(INDEPENDENT UNIVERSITY, BANGLADESH, 2012-05-01) Fuad, Al Hassan
The research intends to a comparative analysis of perceived service quality of Grameenphone, the leading GSM mobile telephony service provider in Bangladesh with other service providers in Bangladesh with other private telecommunication service providers in Bangladesh. It is a descriptive study in nature which identifies the difference among the study variables such reliability, responsiveness, assurance, empathy, and tangibles. The sample for this study was the subscribers of Grameenphone visiting the customer care. The researcher distributed 100 questionnaires among the respondents. Sufficient literature review and discussion suggest that the avenues service influence the perception that consumers have regarding a company’s service. The literature review and the data for the study identifies the difference between the above mentioned study variables. The recommendation of the study thus has been done to develop the overall service quality by considering the discussed dimensions to provide a long and sustainable positive customer experience.
A CORELATIONAL STUDY ON AUTOMATED SERVICE QUALITY AND IT’S RELATIONSHIP BETWEEN CLIENT SATISFACTION AND GENERAL BANKING IN CONTEXT OF BANK ASIA LIMITED.
(INDEPENDENT UNIVERSITY, BANGLADESH, 2012-05-01) Sharmin, Kulsuma
This research intends to investigate the relationship of automated service quality and general banking and client satisfaction in context of Bank Asia Limited (BAL). It is a co relational study amid to measure the correlations among the study variables- automated service quality, general banking and client satisfaction. Substantial literature review proves the correlation among the study variables. A total of 20 Questionnaire distributed among clients of BAL. Qualitative method employed in this study for data analysis. The main objectives of this study are to give a brief idea about general banking of BAL and explain my duties in BAL over three months of my internship. There are some recommendations I have given in the recommendations which include improving working environment, planning, open communications and many others
A DESCRIPTIVE RESEARCH OF CONSUMER PROMOTION, PRICE PERCEPTION, SERVICE QUALITY, CUSTOMER SATISFACTION, AND BRAND LOYALTY IN THE CONTEXT OF ROBI AXIATA LIMITED IN DHAKA
(INDEPENDENT UNIVERSITY, BANGLADESH, 2012-05-01) Amin, Maksudul
The purpose of this study is to ascertain consumer promotion, price perception, service quality, customer satisfaction, and brand loyalty in the context of Robi Axiata Limited in Bangladesh. As a descriptive research, it aims at understanding how various factors or dimensions of consumer promotion, price perception, service quality, customer satisfaction, and brand loyalty affect subscriber’s perception for Robi Axiata Limited (Robi). The study was on Robi located in Dhaka. A survey research is used to assess consumer promotion, price perception, service quality, customer satisfaction, and brand loyalty. A 5-point likert scale questionnaire is used. It contains 39 statements about Robi’s promotional activities, voice clarity, network availability, internet service, Value Added Services, price of the service, TVC, Billboard, Print Ad, Ad in Radio, Responsiveness, Reliability, Empathy, Assurance, Tangibles, customer service, brand image. The questionnaire also contains Gender, Occupation, Income Level Per Month, and the most important criteria while choosing the service of Robi in addition to the background data of the respondents. An online questionnaire is used for analysis and it is posted in facebook. Findings indicated that most Robi subscribers are agree about consumer promotion, price perception, service quality, customer satisfaction, and brand loyalty in Dhaka. The important dimensions or factors that determine consumer promotion, price perception, service quality, customer satisfaction, and brand loyalty in Dhaka are marketing tools, reasonable tariff plan, premium quality of service, highest satisfaction with Robi, and brand name of Robi. One of the limitations of this study is in the sample whereby the study measure only private universities students’ perceptions and left out all the other students studying other public and national universities. This limits the generalization of the findings across Dhaka. The researcher’s implication is that measuring subscriber’s perceptions of consumer promotion, price perception, service quality, customer satisfaction, and brand loyalty enable Robi to prioritize important factors identified as important by the subscribers for effective allocation of resources.
A RELATIONAL STUDY ON SERVICE QUALITY, CUSTOMER SATISFACTION AND CUSTOMER LOYALTY IN THE CONTEXT OF NATIONAL CREDIT AND COMMERCE BANK LTD
(INDEPENDENT UNIVERSITY, BANGLADESH, 2012-05-01) Ashif, Iqbal
This research intends to investigate the relationships of Service quality, Customer Satisfaction and Customer Loyalty in the context of National Credit and Commerce bank Ltd. It is a correlation study which measures the correlation among the study variables such as service quality, customer satisfaction, and customer loyalty. The sample for this study was the Account Holder of NCC Bank. The Researcher distributes 20 questionnaires among the respondents. Collected data were analyzed by using the SPSS version 12.00 .Reliability tests, Frequency, ANOVA, T-Test and Correlation analysis are used for to assess the hypothesis. The correlation analysis provided full support to prove almost all the hypothesis relation. Reliability test used for the data are actually reliable or not. And Frequency used for what percentages of people are answering the question for support the hypotheses.
A REPORT ON BOARD SIZE, INDEPENDENT DIRECTORS AND PERFORMANCE OF SHAHJALAL ISLAMI BANK LIMITED, FOREIGN EXCHANGE BRANCH
(INDEPENDENT UNIVERSITY, BANGLADESH, 2012-05-01) Khanom, Shahana
This study examines the impact of board size and independent directors on the performance of Shahjalal Islami Bank ltd. An individual regression model is used to examine this relationship over the years 2006-2010. The results showed a statistically significant relation between the banks’ board size and their performances. In addition, the proportion of independent directors on the board should be positively related to bank’s performance in the Shahjalal Islami Bank. Key words: Board size, Independent directors, performance.
A REPORT ON FINANCIAL ANALYSIS OF AL-ARAFAH ISLAMI BANK LIMITED (AIBL)
(2011-11-21) JANNAT, MEHEDI
Al-Arafah Islami bank provides us a complete lifestyle. Main objective of Islamic lifestyle is to be successful both in our mortal and immortal life. Therefore in every aspect of our life we should follow the doctrine of Al-Qur’an and lifestyle of Hazrat Muhammad (Sm.) for our supreme success. Al-Arafah Islami Bank started its journey in 1995 with the said principles in mind and to introduce a modern banking system based on Al-Qur’an and Sunnah. A group of established, dedicated and pious personalities of Bangladesh are the architects and directors of the Bank. Among them a noted Islamic scholar, economist, writer and ex-bureaucrat of Bangladesh government Mr. A.Z.M Shamsul Alam is the founder chairman of the bank. His progressive leadership and continuous inspiration provided a boost for the bank in getting a foothold in the financial market of Bangladesh. A group of 20 dedicated and noted Islamic personalities of Bangladesh are the member of executive council of the bank. They are also noted for their business acumen. Al-Arafah Islami Bank Ltd. has 78 branches and a total of 1711 employees (up to December 2010). Its authorized capital is Taka 5000 millions and the paid-up capital is Taka 4677.28 millions. Wisdom of the directors, Islamic bankers and the wish of Almighty Allah make Al-Arafah Islami Bank Ltd. most modern and a leading bank in Bangladesh. The principal activities of the Bank are banking and related business. The banking business includes deposits taking, extending credit to corporate organization, retail and small & medium enterprise, trade financing, project financing, lease and hire purchase financing, issuance of local and international credit cards, inward foreign remittances etc. Marketing is not a recent phenomenon as it has been in existence since the first human entered into exchange relationship for improving his overall well-being and standard of living. So the banking companies are also practicing various marketing. This report is a result of my three month internship program where I have learnt many things that enriched my practical knowledge. This report contains a brief summary about AIBL’s information, its product and services, its activities, last four year financial ratio analysis, my duties at AIBL and financial highlights.
A RESEARCH PAPER ON “THE IMPACT OF WORKING CAPITAL MANAGEMENT ON PROFITABILITY” OF PHARMACEUTICALS SECTOR IN BANGLADESH
(INDEPENDENT UNIVERSITY, BANGLADESH, 2012-05-01) NAIMULBARI, KAZI
Incepta Pharmaceuticals Ltd. is a leading pharmaceutical company in Bangladesh established in the year 1999. The company has a very big manufacturing facility located at Savar, 35 kilometer away from the center of the capital city Dhaka. The company produces various types of dosage forms which include tablets, capsules, oral liquids, ampoules, dry powder vials; powder for suspension, nasal sprays etc. Since its inception, Incepta has been launching new and innovative products in order to fulfill unmet demand of the medical community. The focus was to bring more new technologically advanced molecules to this country. The company specializes in value added high technology dosage form like sustained release tablets, quick mouth dissolving tablets, barrier coated delayed release tablets etc. It has established a modern research and development laboratory for the development of new advanced dosage forms for various drugs and devices like poorly soluble drugs, dry powder inhalers, coated pellets, modified release products, taste masked preparation etc. Incepta quickly developed a very competent sales team, which promotes the specialties throughout the country. The company virtually covers every single corner of the rural as well as urban area of Bangladesh. It has its own large distribution network having 13 depots all over the country. The company has a clear vision to become a leading research based dosage form manufacturing company with global presence within a short period of time. The Research and Development department for various dosage forms has been very well developed. Incepta intends to bring newer products of advanced technology through research hitherto unknown in this country. Such activities will not only benefit the company but also the total pharmaceutical sector of the country. In the post 2005 era, the company also intends to embark into the production of Active Pharmaceutical Ingredient (API). Plans are underway to get into reverse engineering and analogue research in order to produce new API.
A Working repor on the CRM Department At BRAC Bank Limited
(School of Business, Independent University, Bangladesh, 2012-05-01) Hussain, Marzuk
This is the internship report based on the three month long Internship Program that I successfully completed in BRAC Bank Limited under The Credit Risk Management Department (CRM) as a requirement of the BBA Program of Independent University, Bangladesh. As a fresh starter of the whole new corporate world this experience has given me a wide range of knowledge about the world that I am about to step in. The report is about how the CRM department is divided, how it functions and how the work of this particular department is carried forward. As this is a Working Report, the report also gives an idea about the work I had to do in this three month period and the responsibilities that I had to perform as a team player. With careful supervision of the department my job was even made easier as I always had some personnel’s to help me out or train me in whichever step I got stuck. I also had the opportunity to work with every side of the department and gained huge experience. Some accounting courses in the BBA program was very helpful as I had to work on the balance sheet and income statement of certain companies. Working on the loan Product ‘Shompod’ was also very challenging as it’s a big responsibility to figure out which client should be permitted to avail the loan. Checking out the details of the clients and making sure that it’s a genuine client by looking at their past records and legal documents were also a part of the job. With very limited knowledge I tried my level best to make the report as understandable as possible and tried to put everything that I have done and experienced on this document.
A WORKING REPORT & RESEARCH ON HR KITES
(INDEPENDENT UNIVERSITY, BANGLADESH, 2012-05-01) Haque, Nadira Afsana
Human resource management is a buzzword in today‟s business organization. Many MNCs nowadays focus on their valuable assets in the company, i.e. “PEOPLE”. The HR departments in most companies are small. Many do outsourcing for HR function and here consultancy firms play a great role. The concept of HR has been changed. It is now practiced in broader concept. The consultancy firms research on HR and find solutions for these companies. Recently in Bangladesh HR consultancy firms play a great role in the corporate world. HR Kites has become a leading HR consultancy firm that change the conventional approach of HR and follow the modern approach that assists many multinational and local companies HR. HR Kites‟ new products of HR really help clients to develop their soft skills. The training approaches with various simulations make it different from other consultancy firms in Bangladesh. “Unlock the power in people” is not just a commitment by HR Kites; it has already given the evidence on it.
A working report on Billpay services of Grameenphone Limited
(Independent University, Bangladesh, 2009-12-13) Islam, Mohammad Zahidul
On November 28, 1996 Grameenphone was offered a cellular license in Bangladesh by the Ministry of Posts and Telecommunications. Grameenphone launched its service on the Independence Day (March 26, 1997) of Bangladesh. After almost 12 years of operation, Grameenphone has near about 20 million subscribers. On September 20, 2007 Grameenphone announces 15 million subscribers. Grameenphone is now the leading telecommunications service provider in the country with more than 16 million subscribers as of December 2008. Presently, there are about 35 million telephone users in the country, of which, a little over one million are fixed-phone users and the rest mobile phone subscribers. Starting its operations on March 26, 1997, the Independence Day of Bangladesh, Grameenphone has come a long way. It is a joint venture enterprise between Telenor (62%), the largest telecommunications service provider in Norway with mobile phone operations in 12 other countries, and Grameen Telecom Corporation (38%), a non-profit sister concern of the internationally acclaimed micro-credit pioneer Grameen Bank. Over the years, Grameenphone has always been a pioneer in introducing new products and services in the local market. GP was the first company to introduce GSM technology in Bangladesh when it launched its services in March 1997. The technological know-how and managerial expertise of Telenor has been instrumental in setting up such an international standard mobile phone operation in Bangladesh. Being one of the pioneers in developing the GSM service in Europe, Telenor has also helped to transfer this knowledge to the local employees over the years. Grameenphone nearly doubled its subscriber base during the initial years while the growth was much faster during the later years. It ended the inaugural year with 18,000 customers, 30,000 by the end of 1998, 60,000 in 1999, 193,000 in 2000, 471,000 in 2001, 775,000 in 2002, 1.16 million in 2003, 2.4 million in 2004, 5.5 million in 2005, 11.3 million in 2006, and it ended 2007 with 16.5 million customers.
A WORKING REPORT ON EXPORT DEPARTMENT OF PRIME BANK LIMITED
(Independent University, Bangladesh, 2010-05-02) Salahuddin, Md.
Every year the foreign transaction of Prime Bank ltd has been on the rise contributing more and more to the country’s economic growth. And the last few years were no different with significant rise in remittance during the last quarter of 2009. However that didn’t show any signs of restrains and neither did it show any changes in terms of commodities being traded, as the volume of trade kept on increasing. No matter whatever the challenges are in the area of Foreign Trade, Prime Bank is fully equipped to face any obstacle. For the last 6 Years they have hold the Number 1 position in the Bangladesh Banks CAMELS rating and hopes to be on top this year as well. As the economy of Bangladesh is increasing so is the country foreign trade and Prime Bank like always have played its role in making sure that things go smoothly. However, since sky is the limit, the bank is still evolving every day striving to provide its Foreign Exchange customer and others with the best possible service. Just before the starting of my professional life I got the opportunity to work one of the leading bank of Bangladesh and I hope my work experiences will help me in future in my professional life at the end of my report I would like to thank the HR division of Prime Bank Ltd for giving me the opportunity to work with them.
A WORKING REPORT ON FOREIGN EXCHANGE OPERATION OF COMMERCIAL BANK OF CEYLON PLC AND COMPARATIVE STATISTICAL ANALYSIS BETWEEN COMMERCIAL BANK OF CEYLON PLC AND EASTERN BANK LTD.
(INDEPENDENT UNIVERSITY, BANGLADESH, 2012-05-01) Khan, Samira
Banking sector has expanded today’s business world A financial institution that is licensed to deal with money and its substitution by accepting time and demand deposit making, loans and investing in security is called Bank. In Bangladesh there are too many banking institution. They all are trying to keep their customer in a level through providing better service. This report is based on my three months internship program in Commercial Bank of Ceylon PLC, which is a partial requirement for completing my BBA program. The report represents the foreign exchange operation on CBC, and a comparative statistical analysis between a foreign bank (Commercial Bank of Ceylon PLC) and local bank (Eastern Bank Ltd). This report is a basis of information obtained from primary and secondary sources like interview from officials, practical deskwork, annual reports and different manuals from CBC. Different Foreign Exchange Operations such as L/C opening, Foreign Inward/Outward Remittances, and various others operations have been discussed in the report. Further detailed knowledge on Export/Import Mechanism, Documents required for opening various accounts and L/C are also incorporated in my internship report. Moreover I have prepared a comparative research, analyzing the overall performances of Commercial Bank of Ceylon PLC and Eastern Bank Ltd. The research represents a ratio analysis, where various financial ratios have been computed and presented graphically, to determine the overall performances of the two banks. The ratios have been computed from three years (2008-2010) Annual Reports of the banks
A WORKING REPORT ON ON MARKETING DEPARTMENT AND ITS ACTIVITIES OF UNILLIANCE TEXTILE LIMITED
(Independent University, Bangladesh, 2010-05-02) Islam, Akeeb Mohammad
Unilliance Textile Ltd was incorporated on January 2006 by some highly experienced people who have been working in this particular field for a long time. From the beginning of its journey it was a buying house because of it was in its construction process. Its land acquisition was completed on January 2006 which was 16 acres in area. Then it started to buy all the related machinery and it was completed in February 2007. At the same time they started to work on their stitching department and stitching floor. All the designing, decorating, setting up machineries etc were completed in August 2008 and it started it won buyer production activates. From the August 2008 it started to commercially produce and export it. At the beginning most of its product was exported in UK but the market range is all over the world. At this point of time Unilliance had to outsource all the yarn, fabrics, and had to process everything from other factory. This company started its production process after the launching of its processing unit.
A WORKING REPORT ON PRACTICE OF LABOUR CODE ACTS OF BANGLADESH IN A COMPANY FROM RMG SECTOR, RUPA GROUP.
(INDEPENDENT UNIVERSITY, BANGLADESH, 2012-05-01) Chowdhury, Sharmin Nawaz
The Readymade Garment (RMG) industry of Bangladesh has emerged as a competent garment producer in global garment business in recent times. This industry has successfully transformed Bangladesh into an export-oriented economy. The RMG industry also became the major foreign currency-earning sector with highest rates of absorption of industrial employment. Interestingly, women comprise more than 80 per cent of the total labour force and most of them could be otherwise destitute or empty handed. In a patriarchal society like Bangladesh, the RMG industry effectively challenged the traditional view of conflating domesticity with femininity by allowing women of low-income backgrounds to move from the household to the labour market. Garment trade is regarded as a leading driver of globalisation. Though garment workers gain much by working in the garment industry the informal nature of job and adverse working conditions often threaten the livelihood possibilities of workers. This study focuses on the labour rights implementation in Rupa Group Pvt. Ltd. It is assumed that labour rights safeguarded workers form negative consequences. It is also evident that labour rights increase labour productivity. Theoretically there are opportunities to establish labour rights within this organization but in practice the picture is simply unsatisfactory. The recent labour unrest in Bangladesh is the outcome of longstanding violation of labour rights in the organizations like this. Labour rights can be ensured if Bangladesh Government can formulate and implement a comprehensive and effective labour law that incorporates labour rights in the RMG industry. The existing business model favoured headquartered interests and largely overlooks labourers‟ interests especially in developing countries. The organizations such as ILO, WTO, which are supposed to protect labourers from insecurity, vulnerability and injustice, are somehow problematic in relation to the implementation of labour rights in Least Developed countries such as Bangladesh which came into this very business by dint of its cheaper labour. The RMG industry is the lifeline of Bangladesh economy and it has the potentialities to reduce poverty to a large extent by gaining increasing share in the world apparel market. Implementation of labour rights can ensure sustainable livelihood of the garment workers, which in turn enhances sustainability of the RMG industry.
A WORKING REPORT ON SME BANKING AND CREDIT RISK GRADING SYSTEM OF AB BANK LIMITED
(Independent University, Bangladesh, 2009-12-24) Rana, Md.Masud
Bank is an important financial intermediary in the economy. It plays crucial role of transferring the resources from surplus area to the supply constraint area. Bank performs its job through introducing various financial products to the market. Among them SME credit is the most crucial product. Loan is the product that generates major profit for the bank. I prepared the internship report on “A Study on SME Banking & Credit Risk Grading system of AB Bank Limited, Pagla Branch” .I furnished the full contents of the report in Six chapters. I concentrated on arranging and putting the data in such a way that the report progressively anchors to a desired destination of understanding. In the very first part I point out the information about the report. That is its title, origin, objective, methodology, justification and limitations of the study. It will facilitate the understanding what the report is for and how it is designed. In second part, I discussed about the historical background of the AB Bank Limited. In addition, I also discuss about the Pagla branch where I worked as a intern. After that, in 3rd Part, I mentioned about SME credit and types of SME product of AB Bank Limited. In 4th part, I mentioned the procedures for providing SME Loan. In part Five, I have shown the credit risk grading procedure along with a specimen CRG sheet of AB Bank Limited. In the next part I draw some findings and recommendations about their performance. After whole analysis I have come to a single conclusion that their credit division performance is satisfactory in particular SME credit. Recently, they are trying to establish themselves as a strong competitor by launching online facility to serve the customer rigorously.
A Working Report On The Human Resource (Capital) Management Activities Of Adi Apparels Limited
(2011-11-21) Rahman, Md. Ferdaus
The Readymade Garment (RMG) industry of Bangladesh tells an impressive story of country successful transition towards a major export- oriented economy. Starting its journey in the late 1970s with relatively small investment, the industry, the industry flourished in 1980 and 1990 and has become the largest industry in Bangladesh. The contributory factors of the RMG industry in Bangladesh are global trading agreement, cheap labor cost, government policy support and dynamic private entrepreneurship. All these things have helped Bangladesh to gain a handsome share in the global garment business. From early 1990 onwards the RMG industry has become the largest foreign exchange earning sector in the economy. In 2005-06, Bangladesh earned nearly $ 8 billion by exporting garment products and RMG cover 75 percent of the total export of the country, having the lion’s share of the country’s exchange. Contribution of RMG is very positive in Bangladesh economy, sharing 13 percent of the total national GDP. Moreover the industry has become a vehicle for further industrialization of the country. The focal point of Adi Apparels Ltd was been formed in 1st of January 2002 and since then accelerated to its journey with the commitment to the society to build prosperous Industrial backbone for socio-economic development of the country. After almost ten economic years, it has established a number of diversified and potential buyers throughout the world for manufacturing and marketing of a wide variety of consumers and export oriented products. Presently, Adi Apparels Ltd is one of the leading Garments Buyer Agency Companies in Bangladesh, which has been contributing buyer agency activities in a large extent of the country by providing quality branded-generic Garments. The organization believes in 'Quality never ends' and refuses to settle for anything until it exceeds the existing standard. The company has been awarded with the ISO-9001: 2000 Certificate in January 2003 for serving its valued customers with products of excellent quality. As the principal aims and objectives of Adi Apparels Ltd Bangladesh, are to improve professionalism in the contemporary garments ware business arena as well as to realize the authentic demands of garment goods throughout the 3rd world countries. Thus AAL Bangladesh organizes seminars, discussion forums, workshops, professional training courses, continuing education programs, cultural events and publishes newsletters etc. as parts of its professional activities. All this activities has been done to observe out the actual current SWOT analysis circumstances of the organization. By which the executive board gets some feasible idea of future strategic moves of the organization. However, AAL BD always believes that a creative Human Recourse can build a modern country. Because, fairly a well established human resource management can built a constructive organization likewise some constructive organizations can build a modern country. However, nowadays HR Department is considerate as the Mutual Bridge of making evenly understandable decisions between all the departments among an organization. How and why is that? The answer is – “Since each department is Human Oriented and HRM deals with every individual human being or employee working in an organization, this statement is true as well as valid one. So HRM decrease the distances and conflicts between the employees of all the departments as well as enhance the work efficiency of the workforce which eventually results a certain amount of profit maximization for the companionship. Finally a profitable company must contribute to the economy of the country’s development.
A WORKING REPORT ON THE L\C OPENING SYSTEM OF DUTCH BANGLA BANK LTD.
(School of Business, Independent University, Bangladesh, 2012-05-01) Alam, Mahafuza
Today’s business world is dynamic and competitive therefore organizations looking for Talent, extrovert graduates who belong to high degree of adaptability quality. Today’s business graduates will be the core part of business organization. Therefore, business graduates need to have both theoretical & practical knowledge to manage the business activity properly. In order to be familiar with organizational culture and to gain some practical knowledge about an organization our University provides a twelve weeks internship program as a part of the BBA program. Dutch-Bangla Bank is the first bank in Bangladesh to be fully automated and introduce Electronic Banking. The automation was completed in 2003, but further additions and features are continuously being added and upgraded. Dutch-Bangla Bank Limited started its banking services with a view to minimize the customer’s needs by offering different products and services which are easy and affordable for all level of customers. To that extent, DBBL always emphasizes its customer services, product development, resource management, branch networking and the contribution to the economic development of the country. The bank also provides social services towards the society. DBBL Internet banking enables customer to access his/her personal or business accounts anytime anywhere from home, office or when traveling. Internet Banking gives customer the freedom to choose his/her own banking hours. It can save time, money and effort. It's fast, easy, secure and best of all. DBBL, since its inception was active in various social activities, which increased manifold over the period of time and its growth. It is one of the fast growing leading online banks in private sector.
ADVANCE RESEARCH ON THE FUTURE OF FLAT STEEL INDUSTRIES OF BANGLADESH – A RESEARCH REPORT OF STANDARD CHARTERED BANK
(INDEPENDENT UNIVERSITY, BANGLADESH, 2012-05-01) Rahman, Mohammed Mashud Ur
This report on “Advance Research on the future of Flat Steel Industries of Bangladesh – A research report of Standard Chartered Bank”, aims to present the knowledge and experience accumulated from the internship program at Standard Chartered Bank. During the short period of Internship Program, the internee had the opportunity to work hard with the professionals in one of the biggest multinational bank in the country. As defined, the internship program has given the internee a chance to see the practical business world while acting as an integral part of it. Demand of steel in Bangladesh is steadily growing in line with the country’s economic development and general increase in purchasing power. As a measure of the increasing usage of steel annual spending in the construction industry has nearly doubled in the last five years. Steel usage is projected to increase further in the intermediate future as the Government of Bangladesh plans to undertake massive infrastructural projects to keep pace with the rapidly expanding economy. With the growing urbanization, there is substantial demand from the housing industry as numerous development projects will be taken up in our major cities, satellite towns and tourist spots. Such projects result in significant increase in demand for steel and steel products along with other construction materials. Credit Risk means uncertainty to meet financial obligations as per agreed terms by the borrowers during the tenure of the credit facilities. For maintaining steady growth rate of the bank and economic development of the country, Standard Chartered Bank manages the Credit Risk properly. Standard Chartered Bank extends credit facilities to different clients in different sectors after doing due diligence and mitigating risk factors properly as per guidelines/standard set by Bangladesh Bank, Executive Committee of the Board of Directors and Management Credit Committee of the Bank. The role of credit approval procedure of the corporate banking of the Standard Chartered Bank focus on the assessment criteria in measuring risk and pricing while providing credit facility to its corporate customers. Customer satisfaction is one of the core objectives of the Standard Chartered Bank. To smooth the whole process the work is divided. So, before making a decision the every necessary information is carefully scrutinized by different departments and different people who have gained expertise in their related field. Thus, it helps both in making correct decision and smoothen the process to satisfy the customer need quickly.
Advance Working Report on Customer Satisfaction of NCC Bank Ltd In Context of Private Commercial Bank
(INDEPENDENT UNIVERSITY, BANGLADESH, 2012-05-01) Ahmed Robin, Refat
Satisfying customers are the only way to stay competitive in today's marketplace. The balancing act between what customers want and what the company can provide must be optimized in order to maximize company’s long-term profits. NCC bank has done numerous researches to understand the level of customer satisfaction. They are already in a good position in the customers mind but understanding the customer’s satisfaction level, will help the company to exceed the present level of customer satisfaction. However, no such research has been done to understand the level of customer satisfaction level of NCC bank. This study investigates the level of customer satisfaction of internet banking. On assessing the level of customer satisfaction, what marketing tools, like promotional efforts and other marketing efforts, are necessary to improve the customer satisfaction level will be given as recommendation by the researcher. This study is based on primary data, as no such previous research has been done to understand the level of customer satisfaction of NCC bank. It is a kind of research and information was gathering by questionnaire survey. The researcher covered the Geographical base of Dhaka city. Upon completion of the research analysis, the researchers understood the level of Customer satisfaction of the customers. All respondents were moderately satisfied with the Bank services. But one service is very poor which internet banking. Researcher also found that all customers are moderately satisfied. So they should try to develop their other service
ADVANCED WORKING REPORT ON ACTIVITY BASED COSTNG AS A TOOL OF CONTROLLING COST & IMPROVED PROFITABILITY AT ACME LABORATORIES LTD
(Independent University, Bangladesh, 2012-05-10) Yesmin, Mahmuda
Activity-based costing (ABC) is a forward-looking product costing method. Unlike traditional volume-based approaches, ABC concepts guide managers in seeking the best strategies to pursue in the future. This product costing method can be a valuable tool in planning and managing costs not only in the manufacturing area, but also in all aspects of business operations, from product design to distribution. Although its main advantage is its ability to provide more realistic product cost information for financial reporting purposes, use of ABC can lead to a better understanding of the strategic linkages existing between the various cost areas in the organization. It enables managers to have a holistic view of cost management. While conducting my research paper on “Activity Based Costing-as a tool of Cost Control & Improved Profitability” at The ACME Laboratories Ltd.”, I have tried to diagnose the problems persistent with existing costing system and subsequently sought the consequence after implementing more forward looking costing approach which is Activity Based Costing (ABC). I had thorough research on how ABC costing control the cost and thus improve profitability on a manufacturing setting. Acme Laboratories Ltd is one of the biggest pharmaceutical products manufacturing company. Therefore, I chose Acme Laboratories Ltd, where the costs segments are easily separable and the impact of ABC costing method on profitability is firmly realizable. The research came into the findings that when the ABC system was mplemented the percentage of controlling employees’ time devoted to data gathering decreased and the percentage of time devoted to analytical activities in aid of raising the value of the enterprise increased. Studying the statistical analysis, and other financial ratio analysis, it can be confirmed that The ACME Laboratories Ltd have progressed well especially in its internal system development and with better-cost control. While using the modern method, we have found that application of Activity based costing ensure true cost allocation using relevant cost drivers, which effectively facilitate product based decision making as well as over all cost awareness.