Thesis 2005

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An Appraisal of Southeast Bank Limited
(East West University, 1/1/2005) Azam, Pervez Shafiqul
This report is an effort to give a clear idea about the strategies, activities and performance of Southeast Bank Ltd. This report is the result of the internship period of 12 weeks (9 September to 9 December 2004), Southeast Bank, Dhanmondi Branch. I have Organize this report in to five different chapters which is Introductory, Historical Background of the Bank, Principal Activities of the Bank, Performance Evaluation of the Bank and then Problems and Recommendations. Historical back ground of the company includes mission, vision and objective of the study, Strategies of SBL, Organization Structure of SBL, Activities of different division and Product and Service. Principal activity of the company includes General Banking, Credit, Accounts and Foreign Exchange states how the practice differs from the theories. The analysis part is the performance analysis of the bank. (based on the annual reports of past 5 years). The report also contains some major problems and recommendations.
Performance Appraisal of EXIM Bank Ltd.
(East West University, 1/2/2005) Elahi, Md. Fazleh
Export Import Bank: Of Bangladesh Limited has started its journey as a private Commercial bank: on August 3, 1999. The whole working process of EXIM Bank: Ltd is divided into 3 sections- (I) General Banking section, (ii) Credit Section, (iii) Foreign Exchange Section. This report has been presented based on observation from each section, which is consisted of various departments. Foreign exchange department plays various roles through providing different services for the customers. Letters of credit is the key player in the foreign exchange business. Timely payment for exports and quicker delivery of goods is the pre-requisite for successful international trade operations. To ensure this purpose EXIM Bank Ltd transmits LlC through SWIFT (Society for Worldwide Interbank Financial Telecommunication) to the advising bank:. EXIM Bank: Limited is providing different sorts LC services like LlC opening, lodgment, BLC (bills under letter of credit), Back to back LC etc. Foreign exchange department also provide foreign remittance like traveler's cheque, foreign demand draft, endorsement of US$ in passport etc. EXIM Bank Ltd, finance directly on priority basis to agriculture, industry and commerce sector for strength the economic condition of the country. EXIM Bank plays an important role to move the economic wheel of the country. Providing different sorts of credit and schemes like loan against imported merchandise (LIM), Trust Receipt, Bank Guarantee, Industrial Loan, SOD, Consumer Credit scheme, Executives Car Loan, House Finance is the main spring of the credit department.
Performance Appraisal of Dhaka Bank Limited
(East West University, 1/5/2005) Haque, Anamul
Always there are two groups under consideration of financial condition, one is the surplus unit and another one is deficit unit. So, between these two groups easy transaction of money is very necessary and important for balance. Bank and financial institution do this important job. DBL foresee high growth in business in 2004. The growth will predictably generate from the diversified Corporate Sector, Personal Banking, Money market operations, Consortium financing and Export oriented initiatives. Problems ofDBL like- Lack of Commitment, No Marketing Department, Conservative Banking Approach (Risk Avers Approach), Centralized Decision Making, Few Staff meeting, Recruitment Policy, Lack of Qualified System Operation and Computer Operation, Few Staff, Staff Loan and Credit Card Suggestion to over come the problem like-Advertisement and promotion, More Appropriate Recruitment Policy, Improve network System and staff training and Staff Loan.Today's business is very competitive and complex. To survive in the related sector the organization need competitive people and has to take some effective policy. Banking sector in Bangladesh.
CSR- Corporate Social Responsibility what the companies are doing?
(East West University, 11/15/2005) Tarin, Fahmida Anwar
Scalars nihilities of businesses and their managers have been discussed since the 1950s. Yet no consensus about progress has been achieved in the corporate social responsibility/corporate social performance literature. In this report, we seek to analyze the views on this literature. One view is that development occurred from conceptual vagueness, through clarification of central constructs and their relationships, to the testing of theory-a process supported by increased sophistication in research methods. In contrast, other claims that hardly any progress is to be expected because of the inherently normative character of the literature. A final view is that progress in the literature on the social responsibilities of business is obscured or even hampered by the continuing introduction of new constructs. This report explores the views that better describes the evolution of the literature during a period of 30 years and suggests implications for further research.
Scope and Challenges of Intellectual Property Rights of BATB
(East West University, 12/12/2005) Islam, Sabrina
All objects which can be owned by an individual under a legal system are termed as property. The objects to which the right to ownership so extends are either corporeal, i.e. having some tangible existence or incorporeal, i. e. having intangible existence. This incorporeal property having intangible existence is the creation of developed system of law. Those are termed as intellectual property. Those properties are the creation of the human mind, the human intellect. In general, the most important feature of such property is that the proprietor or owner may use his property as he wishes and nobody else can lawfully use his property for commercial purposes without his authorization. A strong and were functioning intellectual property system is a SINE QUA NON' for social, cultural, economic and technological development of a country. The intellectual property law, a product of the industrial civilization, has assumed equal importance both at national and international level. The laws relating to Copyright, Patent, Design, Trade Mark etc, are known as the intellectual property laws. The word 'intellectual' means possessing or showing intellect or mental capacity especially to a high degree of an intellectual person; guided or developed by or relying on the intellect rather than upon emotions or feeling; characterized by or suggesting a predominance of intellect. 'Property' means that which a person owns, the possession of a particular owner; ownership right of possession; enjoyment of any 'Rights' means that which is due to anyone by just claim, legal guarantees, moral principles. Therefore, Intellectual Property Rights of any Patents or Process must have some ingenuity and fall within the category of 'inventions' where the 'intellect' must have played a predominant role. 'Discoveries' which already have existed in nature but only have been retrieved by someone and put to benefit of people should not be equalized with inventions. Biotechnology involves use of scientific and engineering principles for processing of materials (organic or inorganic) using biological agents to provide goods and services.
The marketing system of Nassa Taipei Textile Mill Ltd.
(East West University, 12/15/2005) Ali, Ashrafia Nandita
At present garments and textile is the largest foreign currency earlier industry in Bangladesh exporting about seven million us dollar and employing approximately two million workers. The largest export sector contributing 75% of total export of the country. On 31 st December 2004, the agreement on textile and clothing (ATe) ended, and with in the quota system for international trade in textile and clothing. As a result, trade in this sector undergoing a fundamental change, by 2005 the sector have been fully interested in to the WTO Agreement on tariffs and trade (GATT), and all quotas have disappeared.
An Overview of Mercantile Bank Limited (MBL)
(East West University, 12/17/2005) Alam, Farrina
The prosperity of a country depends upon its econOffilC activities like any other sphere of modem socio-economic activities; banking is a powerful medium of bringing about socio-economic changes of a developing country. Agriculture, commerce and industry provide the bulk of a country's wealth. Without adequate banking facility these three cannot flourish. For a rapid economic growth a fully developed banking system is highly essential. A suitably developed banking system can provide the necessary boost for the economic uplift of the country. The whole economy of a country is linked up with its banking system. Banks in Bangladesh can be classified into the following categories.
“Consumer’s Credit Scheme - A comparative study of Prime Bank Limited with other Private Sector Banks”
(East West University, 12/17/2005) Husain, Shamama
Consumer Credit Scheme is one of the driving sectors in banking services. Now a day many new banks going to emerge through this vital micro credit sector, Mainly the private sector Banks are involved with these permanent issues. All the personal loan provider banks are trying their best to serve their utmost facilities to the customers as well as the societies. Several banks are going to start & rest have already started their most recent & lucrative seducer the SME banking services. Although the consumer or personal loans conveys the extra sources of funds but if calculates a higher interest rate. Though it bears the extra charges it helps the consumer to meet up their necessary benefits as well as their current demand. Recently most of the banks are very much eager to penetrate to this emerging sector. So considering the ultimate demand of this sector this report would convey tire great significance to the banking business. In this report the focus was there to find out the present scenario of the consumer credit scheme d prime Bank Limited as well as to mention the comparative study with other private sector bank.
Feasibility of Issuing Corporate Bond for British American Tobacco Bangladesh
(East West University, 12/17/2005) Rahman, Samira
British American Tobacco Bangladesh (BATB) is one of ,the pioneer cigarette manufacturers in the world. The company was formed at the turn of the 206 century with the objective of establishing a worldwide business. Today British American Tobacco sells the leading brands in over 30 markets covering 102 countries, has more than 200 brands worldwide, employs more than 55,000 people and produces some 2 billion cigarettes every day. In Part I, I tried to provide a brief overview about the company, its employees and its cultures. Second part is the Financial Analysis part, which comprises of'ratio analysis and the analysis of Common Size Income Statement and Balance Sheet. This part will help the readers to get a clear idea about the company's performance. In the last part I have discussed about the current scenario of the bond market and forecaster the cash flow statements for the year 2006-2010, furthermore I tried to find out the feasibility of introducing bond by BATB.
Overview of Mobile Activity Management
(East West University, 4/10/2005) Hoque, Md. Shahidul
This report based on Post-Paid, Automated Pre-paid service of Pacific Bangladesh Telecom Limited (City cell). It provides an operational efficiency within and among the departments of the organization. After taking all necessary data it is clear that they are using a paper work based on manual system, which is very time consuming. Need a large number of human resources. Have a lot of errors and complicated to manage. So they are facing lots of problems with this system. And also they are very much interested about the new approach of developing the database software. Now they are use totally computerize data input and create note-pad file also report generating system. The software will take input from the agents of their daily activities. It stored all the customer personal information and generate the not pad fIle base on their daily requested given from the customer care and sales department. The management will get the rep011s about the employee performance, about the problem of the customers.
The Housing Finance Industry of Bangladesh & the Operational Analysis of Delta BRAC Housing Finance Corporation (DBH) Ltd. Focusing on Marketing, Credit Risk Management, Competition Recovery & the Mortgage Finance Business Strategy
(East West University, 8/20/2005) Md. Mostafiduzzaman
As a part of the completion of the BBA program, I was assigned by DR. Md. Saleh Uddin, Professor & Chairperson, Bachelor of Business Administration, East West University the project titled "THE HOUSING FINANCE INDUSTRY oF BANGLADESH & THE OPERATIONAL ANALYSIS OF DELTA BRAC HOUSING FINANCE CORPORATION (DBH) LTD FOCUSING ON MARKETING, CREDIT RISK MANAGEMENT, COMPETITION, RECOVERY & THE MORTGAGE FINANCE BUSINESS STRATEGY". It has been a privilege and great opportunity to work at the Delta BRAC Housing Finance Corporation Limited, for the purpose of this project report. The primary focus of the report is to critically evaluate the Housing Finance industry of the country and the evaluation of the functional operations of Delta Brac Housing Finance corporation (DBH) along with Marketing, Management, Recovery, customer Service, Operational Process of Loan Sanctioning and the credit risk management strategy of the organization. This report have tried to critically evaluate the Housing Finance Sector of the Country, The Housing Stocks, the Industry analysis along with the functional areas of Delta BRAC Housing Finance Corporation (DBH) including Marketing Strategy, Credit Risk Management Strategy, Competition, Customer Service, Recovery and the Total Mortgage Finance business of the country. Although the stipulated time is not enough to have an in depth knowledge about the real corporate world, this report gave me much insight in the risk management tactics --, especially in the field of corporate finance.
“Central Processing Center (CPC)” The Back Office Processing Center For BRAC Bank Limited
(East West University, 8/22/2005) Ali, Mohammad
This report is prepared as requirement of the internship of BBA program of East 'West University. This report focuses two months working experiences ia BRAC Bank Limited Head Offrce. This report will give a clear idea about activities and operational strategies of BRAC Bank Limited; especially this report focuses on the Operating activities of the back office as well as ATM Card division. BRAC Bank Limited, one of the latest generations of commercial banks, which started its journey on the 4th of July 2001 with a vision to be the absolute market leader. BRAC bank is a commercial scheduled bank extending full range of banking facilities as per the directives of Bangladesh bank. It intends to set standards as the absolute market leader by providing efficient, friendly and modern fully automated on-line service on a profitable basis. BRAC Bank in surviving in the target banking arena through its unique and competitive products and it is the only local bank providing 100% integrated on-line banking. The Bank is mainly owned by the largest NGO in Bangladesh - BRAC. The Bank has positioned itself as a new generation Bank with a focus to meet diverse financial need a growing and developing economy. Central Processing Center {CPC) is a new concept to the Banking industry where real time back ofiices functions have been processed within prescribed SOP. Mr. Kasier Tamiz Amin, EVP And COO, has implemented this modern idea to BRAC BANK since 13th March 2003.In the very beginning a two member team was formed with young and experienced professional to conduct day-to-day processes timely, accurately and efficiently. Central Processing Center (CPC) handled primarily only Clearing Check's Process. Today Central Processing Center {CPC) consists of 11 @teven)-Member team.
Overall Banking System of IBBL
(East West University, 8/22/2005) AIi, Md. Mussaddek
This report is prepared as requirement of the internship of BBA program of East West University. This report focuses two months working experiences in Kawran Bazar Branch, Islamic bank Bangladesh limited. This report will give a clear idea about activities and operational strategies of IBBL. Especially this report focuses on the general view of IBBL. Islami bank Bangladesh limited was established in March 1983 with a clear manifesto of demonstrating the operational meanings of parlicipatory economy, banking and financial activities as an integral part of an Islamic code of life. The philosophy of Islami banks is to establish as egalitarian society based on the principle of social justice and equity. As an integral part of this process Islamic banks introduced measures to abolish interest and change or pay fixed interest on loans or deposits. Interest of predetermined interest on deposits; the depositors participate in the profit of the bank as an agreed ratio. Whereas, interest based conventional banks pay a fixed interest on savings and time deposits and grant loans with interest for any purpose. It is important feature that Islam bank do not deals with money lending rather they deals with goods. l have invest money in various profitable business activities, either directly by themselves or in partnership with other, seeking to earn or share legitimate (Halal) profit. They have provision fbr Qard Hasana or beneficent loan in deserving case without any consideration of profit but return on the same. These are returnable, if and when the beneficial is able to repay. Investment management by Islami Bank and credit management by conventional interest based bank is synonymous. But Islami Bank deals with goods, which is measured by money and share profit or loss with the beneficiaries. On the other hand conventional bank directly deals with money or credit by the contract of pre-agreed fixed interest rate. As a kid in the banking industry IBBL is performing well as it have acquired the assets and human resources of higher quality. IBBL will be more effective in our economy by adopting modern financial technology by extending their activities in human & social welfare.
The Sony CTV and its Competitor
(East West University, 8/22/2005) Nabi, Md. Reasath Riffath
The innovation of Television has a great impact on human civilization. It is such a media where we can simultaneously watch visual and heard audio But television nowadays not only a device of entertainment It is also a symbol of style, prestige. And the Television companies continuously try to improve the Owen brand picture quality and sound system. It is a media, which help us to refresh after working one the other hand it entertain us. In Bangladesh there are many company marketing many television Brand among them according to Quality, Price, Prestige and Exclusiveness I select four Television As competitor of Sony they are Philips, Samsung, LG, and Panasonic. Those televisions are actually worlds famous brand and also welcome by Bangladeshi people. Television market survives in a hyper competitive environment where different brand take deference strategy to compete with other. It is very difficult to entire in this market. In the report I try to focus what is the strong and weak point of those companies as well as their market position. For this reason we are getting quality television at a reasonable price at Bangladesh.
Foreign Exchange Transactions Comprise LC Advice, Negotiation of Export Documentary Bills, and Repatriation of Bills Proceeds
(East West University, 8/24/2005) Hossain, Kazi Sharmin
This report aims toward providing an overview on the Foreign Exchange Banking system in Prime Bank Limited. The report is prepared within the broader framework of Internship Program of the Business Administration Department, EAST WEST UNIVERSITY. While preparing this report it has been tried to reveal the insights of the foreign exchange banking system of the bank. Simultaneously efforts have been made to provide an in depth analysis on the General Banking system in the light of the theoretical aspects. And a few recommendations and suggestions were also prescribed based on the observation and findings. While discussing the different aspects and functions of the bank, priority has been given to depict the real Situation as far as appraisal and management system in Prime Bank Ltd. are concerned by employing the experience gathered during the internship program. Analysis on the findings is basically done to sort out the major aspects of the Foreign Exchange Banking system and to draw some significant inferences. At the same time for easier understanding of the report, supporting topics and terms are explained in light of textbooks and regulatory guidelines. To examine the efficiency of the Export management system, Letter of credit has been taken as the prime factor. Simultaneously analysis on the foreign exchange, foreign LC advising has also been done. Utmost care has been given to explain all necessary aspects related to the subject matter for easier and quick understanding of the report.
An Appraisal of Uttara Finance and Investment Ltd.
(East West University, 8/24/2005) Akter, Masuma
"Utfara Finance And Investment Ltd." Company is a non-banking financial institution. It is a joint venture leasing and financing company. In UFIL commitment to quality has been the first priority. Its major concern is to support the different sectors of business in Bangladesh for boosting up the economy. UFIL believes that the hopeful economic of Bangladesh can only be possible through the increasing of different types of business in different sectors. Therefore, UFIL extends lease finance for all types of machinery, equipment and households including vehicles for the purpose of industrial, commercial and personal use in Bangladesh and also allows temporary finance to its clients within the practice of the law. Apart from lease financing, UFIL also provides other different types of, but important, services and these are: term financing, documentary credit, and merchant banking. Through these services UFIL endow with some cooperative and confident developing services to its customer. UFIL has also some other supportive activities. For instance, UFIL provides finance in agriculture sectors for shore up the economy of Bangladesh. It also financing in hospital sectors for improving the health sectors of the country. Spaced out from that UFIL, in addition, try to up beat the living standards of the people. Thus it offers easy and supportive personalize leasing and financing services to the people. That is why; it gives lease for household products. UFIL has some internal problems. It has some environmental problems, technological problems, human resource problems and so on. Besides the most important problem is its customer that is external problem, which is really very difficult to control. It always needs to monitor. But the monitoring system of UFIL is not so effective and efficient. Though it has some organizational problems, the future progress of the company is very much noticeable.
An Appraisal of Overall Financial Performance and Operations of One Bank Limited
(East West University, 8/24/2005) Majumder, Sravanti
I have prepared this report on One Bank Limited. My focus was on the financial performance of the bank and its overall operations. Banking sector is so important for sustaining the country's continued growth and development. In this context this study is carried out just to assess, financial analysis of last four years and identify problems, information about the bank's deposit, investments, brief description of the bank's main departments function and the overall performance of the bank In chapter 1, I discussed about the introduction, origin of the report, objective of the study, scope of the report and limitations of the report. In chapter 2, I discussed the background, aims and objectives, special features of One Bank, operational functions of One bank, organizational layout of One bank limited. In chapter 3 I discussed about the organizational layout of One Bank Limited In chapter 4, the overall financial performance of OBL are discussed. I In chapter 5, I gave the conclusion, bibliography and discussed about the problems and try to give a possible suggestion. All kinds of account opening, closing, fund transfer, issuing cheque book are held in general banking both local and foreign. The main function of bank is to take deposits from one person and giving loan to another person. For taking deposits and giving loan some rules and regulations are there. Loan administration deals with this rules and regulations. The main function of marketing is to book customer for loan and deposit and to determine which clients are profitable, feasible, and viable. Trade finance department is concerned with letter of credit (Lie) which is an undertaking for payment issued by bank (Lie issuing bank) at the request of its client (Lie applicant) favoring beneficiary (supplier or exporter) and advised through a bank (advising bank) in the beneficiaries country and contains certain terms and conditions. Accounts take the reports from all other departments and add some new information, update daily position or daily activity report, check and report voucher, prepare documents for the payment of salary to each employee. My project has been specially prepared to give a detailed idea about one of the reputed private banks that will help its reader to attain professional excellence in handling the challenges of bank and give knowledge about how banks perform ..