CHAPTER-4

ANALYSES &
INTERPRATION

50

Analysis
Statistics
various
schemeo accoun
clients
yearly
f the
t
are
account
(house advertisem
the
bank are oppeni satisfied maintan loan)inte ent/promoti
number of attractive
ng
with
ance
rest rate
onal
the queue
to the
system employee charge is
is
activities
should be custome
is
's
reasona acceptab
are
increased
r
eassy behaviour
ble
le
satisfied
N

Vali
d
Mis
sing

Mean
Median
Mode
Std. Deviation
Variance
Range
Minimum
Maximum
Sum

online
banking
facilities
are
adequat
e

overall
bankin
loan
g
processing activitie
is easier
s are
then other satisfie
bank
d

location of
the bank is
suitable

50

50

50

49

50

50

50

50

50

50

50

4.0200
4.0000
4.00
.76904
.59143
4.00
1.00
5.00
201.00

4.0800
4.0000
4.00
.72393
.52408
3.00
2.00
5.00
204.00

4.2000
4.0000
4.00
.72843
.53061
3.00
2.00
5.00
210.00

4.1224
4.0000
4.00
.88111
.77636
3.00
2.00
5.00
202.00

3.2400
3.0000
4.00(a)
1.06061
1.12490
3.00
2.00
5.00
162.00

3.1800
3.0000
3.00
.74751
.55878
3.00
2.00
5.00
159.00

3.4800
3.0000
3.00
.67733
.45878
3.00
2.00
5.00
174.00

3.5000
4.0000
4.00
.99488
.98980
3.00
2.00
5.00
175.00

3.4200
3.0000
3.00
.83520
.69755
3.00
2.00
5.00
171.00

3.9200
4.0000
4.00
.48823
.23837
3.00
2.00
5.00
196.00

4.4200
5.0000
5.00
.73095
.53429
3.00
2.00
5.00
221.00

A Multiple modes exist. The smallest value is shown

Comment: The table shows that all the sample size is counted in research that means no one is missing. Here higher mean are located under
account opening system is easy& location of the bank is suitable. Higher modes are Account opening system is easy& location of the bank is
suitable. Standard Deviation is lower (0.48823) in overall banking activities are satisfied. Lower Standard Deviation indicate higher acceptance.
So, we conclude that here overall banking activities are highly satisfied

51

Factor analysis
KMO and Bartlett's Test
Kaiser-Meyer-Olkin Measure of Sampling Adequacy.
Bartle Approx. Chi-Square
tt's
Test
of
Sphe
ricity
Df
Sig.

.495

165.575

55
.000

Kaiser- Meyer- Olkin (KMO) measure of sampling adequacy represents that factor analysis is
not appropriate because the calculated value 0.495 is not between (0.5 1.0). If the value
were grater then 0.5 it could be appropriate.

52

Correlation Matrix(a)
the
number
of the
queue
should
be
increase
d
Correlatio the
n
number of
the queue
should be
increased
various of
the bank
are
attractive
to the
customer
account
oppening
system is
eassy
clients are
satisfied
with
employee'
s
behaviour

clients
yearly
accoun
are
account
various
t
satisfied maintan
of the
oppeni
with
ance
bank are
ng
employe charge
attractive system
e's
is
to the
is
behaviou reasona
customer eassy
r
ble

(house
loan)interest
rate is
acceptable

advertis
ement/p online
romotio banking
nal
facilities
activitie
are
s are
adequat
satisfied
e

loan
processi
ng is
easier
then
other
bank

overall
banking locatio
activitie n of the
s are
bank is
satisfied suitable

1.000

.474

.357

-.125

-.006

-.149

.335

.335

-.045

.059

-.016

.474

1.000

.433

.243

.243

.236

-.040

.285

.012

.365

.088

.357

.433

1.000

.121

.126

-.219

.004

.483

-.070

.047

.143

-.125

.243

.121

1.000

.081

-.066

-.102

-.234

.269

.023

.142

53

yearly
account
maintanan
ce charge
is
reasonabl
e
(house
loan)inter
est rate is
acceptable
advertise
ment/pro
motional
activities
are
satisfied
online
banking
facilities
are
adequate
loan
processin
g is easier
then other
bank
overall
banking
activities
are
satisfied

-.006

.243

.126

.081

1.000

.595

-.097

.343

.501

.075

-.338

-.149

.236

-.219

-.066

.595

1.000

.024

.154

.438

.265

-.257

.335

-.040

.004

-.102

-.097

.024

1.000

.130

.153

-.003

-.137

.335

.285

.483

-.234

.343

.154

.130

1.000

.079

.125

-.036

-.045

.012

-.070

.269

.501

.438

.153

.079

1.000

.233

-.491

.059

.365

.047

.023

.075

.265

-.003

.125

.233

1.000

-.246

54

Sig. (1tailed)

location
of the
bank is
suitable
the
number of
the queue
should be
increased
various of
the bank
are
attractive
to the
customer
account
oppening
system is
eassy
clients are
satisfied
with
employee'
s
behaviour
yearly
account
maintanan
ce charge
is
reasonabl
e

-.016

.088

.143

.142

-.338

-.257

-.137

-.036

-.491

-.246

1.000

.000

.006

.195

.485

.154

.009

.009

.379

.344

.458

.001

.046

.046

.051

.392

.023

.466

.005

.273

.203

.193

.065

.488

.000

.316

.374

.164

.290

.327

.243

.052

.031

.436

.165

.000

.253

.008

.000

.304

.009

.000

.006

.001

.195

.046

.203

.485

.046

.193

.290

55

(house
loan)inter
est rate is
acceptable
advertise
ment/pro
motional
activities
are
satisfied
online
banking
facilities
are
adequate
loan
processin
g is easier
then other
bank
overall
banking
activities
are
satisfied
location
of the
bank is
suitable

.154

.051

.065

.327

.000

.435

.145

.001

.033

.037

.009

.392

.488

.243

.253

.435

.187

.147

.493

.175

.009

.023

.000

.052

.008

.145

.187

.294

.197

.402

.379

.466

.316

.031

.000

.001

.147

.294

.053

.000

.344

.005

.374

.436

.304

.033

.493

.197

.053

.458

.273

.164

.165

.009

.037

.175

.402

.000

.044

.044

a Determinant = .022

56

Communalities
Initial

Extraction

the number of the queue should be increased

1.000

.726

various scheme of the bank are attractive to the customer

1.000

.817

account oppening system is eassy

1.000

.721

clients are satisfied with employee's behaviour

1.000

.924

yearly account maintanance charge is reasonable

1.000

.846

(house loan)interest rate is acceptable

1.000

.702

advertisement/promotional activities are satisfied

1.000

.750

online banking facilities are adequate

1.000

.757

loan processing is easier then other bank

1.000

.811

overall banking activities are satisfied

1.000

.829

location of the bank is suitable

1.000

.601

Extraction Method: Principal Component Analysis.

Under Communalities, Initial column, it can be seen that the communality for each variable advertisement/promotional activities
are satisfied to the overall banking activities, is 1.0 as unites were inserted in the diagonal of the correlation matrix. And the
second column Extractions variables are different because all of the variances are associated with the variables are not explained
unless all the factors are retained.

57

Total Variance Explained

Componen
t

1
2
3
4
5
6
7
8
9
10
11

Total
2.659
2.180
1.464
1.150
1.030
.801
.635
.381
.299
.244
.156

Initial Eigen values

% of
Variance
Cumulative %
24.177
24.177
19.820
43.997
13.313
57.310
10.451
67.761
9.361
77.122
7.281
84.403
5.774
90.177
3.461
93.638
2.721
96.359
2.221
98.580
1.420
100.000

Extraction Sums of Squared Loadings

Cumulative
Total
% of Variance
%
2.659
24.177
24.177
2.180
19.820
43.997
1.464
13.313
57.310
1.150
10.451
67.761
1.030
9.361
77.122

Rotation Sums of Squared Loadings

Cumulative
Total
% of Variance
%
2.393
21.750
21.750
2.156
19.601
41.352
1.339
12.172
53.524
1.299
11.807
65.331
1.297
11.791
77.122

Extraction Method: Principal Component Analysis.

Eigen Values are 2.659, 2.180, 1.464, 1.150 and 1.030 because if the value is 1 or grater then 1 than the factor should accepted.
Otherwise we are not accepting values.
The acceptance criteria of cumulative is 60 or below 60. After crossing 60 we will not accept value. Thats why we accept
component 1 & 2 as a factor.
The total variance accounted for by all seven components is 11.00, which is equal to the number of variables. Component 1
accounts for a variance of 2.659, which is (2.659/11) or 24.177percent of the total variance. Likewise, Second component
accounts for 2.180 percent of the total variance, third component accounts for 1.464percent of the total variance, third component
accounts for 1.464percent of the total variance, fourth component accounts for 1.150percent of the total variance, fifth component
accounts for 1.030percent of the total variance and the first fifth factors combined 77.122percent of the total variance.
58

Rotated Component Matrix(a)

Component
1
the number of the queue should be increased

.604
.636

various scheme of the bank are attractive to the customer

.827

account oppening system is eassy

.955

clients are satisfied with employee's behaviour

yearly account maintanance charge is reasonable

.841

(house loan)interest rate is acceptable

.753
.861

advertisement/promotional activities are satisfied

.737

online banking facilities are adequate

loan processing is easier then other bank

.778
.892

overall banking activities are satisfied

location of the bank is suitable

-.603
59

Rotated Component Matrix(a)

Component
1
the number of the queue should be increased

.604
.636

various scheme of the bank are attractive to the customer

.827

account oppening system is eassy

.955

clients are satisfied with employee's behaviour

yearly account maintanance charge is reasonable

.841

(house loan)interest rate is acceptable

.753
.861

advertisement/promotional activities are satisfied

.737

online banking facilities are adequate

loan processing is easier then other bank

.778
.892

overall banking activities are satisfied

location of the bank is suitable

-.603
60

Extraction Method: Principal Component Analysis. Rotation Method: Varimax with Kaiser Normalization.
a Rotation converged in 8 iterations.
Factor-1: Has high coefficients for (yearly account maintenance charge,(house loan) interest rate, loan processing is easier and location of the
bank is suitable).Therefore, this factor indicates as actual cost factor.
Factor-2: Is highly related for (the number of the queue, various scheme of the bank, account opening system is easy and online banking
facilities) Thus, factor 2 indicates as actual benefit factor.
Factor-3: Is highly related for (advertisement and promotional activities are satisfied).Thus, factor 3 indicates as actual benefit factor.
Factor-4: Has high coefficients for (overall banking activities are satisfied).Therefore, this factor indicates as actual benefit factor.
Factor-5: Is highly related for (clients are satisfied with employees behavior).Thus, factor 5 indicates as actual benefit factor.

61

Component Transformation Matrix

Component
1
2
3
4
5

2
.796

Extraction
-.533
Method:
-.042
Principal
-.163
Component
.233
Analysis.
Rotation Method: Varimax with Kaiser Normalization.

3
.446
.830
.090
-.225
.231

.143
.134
-.675
.689
.175

5
.381
.093
.167
.285
-.858

.037
-.031
.711
.606
.353

62
Descriptive Statistics

Range

Minimu
m

Maximu
m

Sum

Mean

Std.
Deviation

Variance

location of the bank is suitable

50

3.00

2.00

5.00

221.00

4.4200

.73095

.534

account oppening system is eassy

50

3.00

2.00

5.00

210.00

4.2000

.72843

.531

49

3.00

2.00

5.00

202.00

4.1224

.88111

.776

50

3.00

2.00

5.00

204.00

4.0800

.72393

.524

50

4.00

1.00

5.00

201.00

4.0200

.76904

.591

50

3.00

2.00

5.00

196.00

3.9200

.48823

.238

50

3.00

2.00

5.00

175.00

3.5000

.99488

.990

50

3.00

2.00

5.00

174.00

3.4800

.67733

.459

50

3.00

2.00

5.00

171.00

3.4200

.83520

.698

50

3.00

2.00

5.00

162.00

3.2400

1.06061

1.125

50
49

3.00

2.00

5.00

159.00

3.1800

.74751

.559

clients are satisfied with employee's

behaviour
various scheme of the bank are
attractive to the customer
the number of the queue should be
increased
overall banking activities are satisfied
online banking facilities are adequate
advertisement/promotional activities are
satisfied
loan processing is easier then other
bank
yearly account maintanance charge is
reasonable
(house loan)interest rate is acceptable
Valid N (listwise)

63

The number of the queue should be increased

Valid

strongly agree
agree
neutral
strongly disagree

Frequency
12
29
8
1

Percent
24.0
58.0
16.0
2.0

Valid
Percent
24.0
58.0
16.0
2.0

50

100.0

100.0

Total

Cumulative
Percent
24.0
82.0
98.0
100.0

the number of the queue should be increased

40

30

Frequency

20

10

0
strongly agree

agree

neutral

strongly disagree

the number of the queue should be increased

Comment: 58.00% of the respondents are responding that number of the queue
should be increased in ucbl. But 16.00% of the respondent is neutral. So we can say that most
of the respondent recommends
That number of the queue should be increased in ucbl

64

Various scheme of the bank are attractive to the customer

Frequency
Valid

strongly
agree
agree
neutral
disagree
Total

Percent

Valid
Percent

Cumulative
Percent

13

26.0

26.0

26.0

30
5
2
50

60.0
10.0
4.0
100.0

60.0
10.0
4.0
100.0

86.0
96.0
100.0

various of the bank are attractive to the customer

40

30

Frequency

20

10

0
strongly agree

agree

neutral

disagree

various of the bank are attractive to the customer

Comment: 60.00% of the respondents are responding that various scheme of the bank are
attractive in ucbl. But 10.00% of the respondent is neutral. So we can say that most of the
respondent recommends that various scheme of the bank are attractive in ucbl

65

account opening system is easy

Valid

strongly agree
agree
neutral
disagree
Total

Freque Perc
ncy
ent
17 34.0
28 56.0
3
6.0
2
4.0
50 100.0

Valid
Percent
34.0
56.0
6.0
4.0
100.0

Cumulative
Percent
34.0
90.0
96.0
100.0

account oppening system is eassy

30

20

Frequency

10

0
strongly agree

agree

neutral

disagree

account oppening system is eassy

Comment:

56.00 % of the respondents are agreed & 34.00% of the respondents are
strongly agreed with the statement that account opening system is easy in ucbl. But 6.00% of
the respondent is neutral. So we can say that most of the respondent recommends that account
opening system is easy in ucbl.

66

clients are satisfied with employee's behaviour

Freque Percen
ncy
t
Valid

strongly
agree
agree
neutral
disagre
e
Total
Missing System
Total

Valid
Percent

Cumulati
ve
Percent

18

36.0

36.7

36.7

23
4

46.0
8.0

46.9
8.2

83.7
91.8

8.0

8.2

100.0

49
1
50

98.0
2.0
100.0

100.0

clients are satisfied with employee's behaviour

30

20

Frequency

10

0
strongly agree

agree

neutral

disagree

clients are satisfied with employee's behaviour

Comment: 46.00 % of the respondents are agreed & 36.00% of the respondents are
strongly agreed with the statement that client is satisfied with employees behavior. But
8.00% of the respondent is neutral. So we can say that most of the respondent recommends
that they are satisfied with employees behavior in ucbl.

67

yearly account maintanance charge is reasonable

Valid

strongly
agree
agree
neutral
disagree
Total

Frequen
cy

Percent

Valid
Percent

Cumulativ
e Percent

12.0

12.0

12.0

17
10
17
50

34.0
20.0
34.0
100.0

34.0
20.0
34.0
100.0

46.0
66.0
100.0

yearly account maintanance charge is reasonable

20

Frequency

10

0
strongly agree

agree

neutral

disagree

yearly account maintanance charge is reasonable

Comment: 34.00 % of the respondents are agreed & 20.00% of the respondents are neutral
with the statement that yearly account maintenance is reasonable. But 34.00% of the
respondent is disagreeing. So we can say that most of the respondent recommends that they
are satisfied /dissatisfied in ucbl yearly service charge.

68

(House loan)interest rate is acceptable

Freque
ncy
Percent
Valid

strongly
agree
agree
neutral
disagree
Total

Valid
Percent

Cumulative
Percent

4.0

4.0

4.0

13
27
8
50

26.0
54.0
16.0
100.0

26.0
54.0
16.0
100.0

30.0
84.0
100.0

(house loan)interest rate is acceptable

30

Frequency

20

10

0
strongly agree

agree

neutral

disagree

(house loan)interest rate is acceptable

Comment: 26.00% of the respondents are agreeing with the statement that (house loan)
interest rate is acceptable in ucbl. But 54.00% of the respondent is neutral. So we can say that
most of the respondent recommends that they are not understand about house lone interest
rate in ucbl.

69

advertisement/promotional activities are satisfied

Frequency
Valid

strongly
agree
agree
neutral
disagree
Total

Percent

Valid
Percent

Cumulative
Percent

6.0

6.0

6.0

20
25
2
50

40.0
50.0
4.0
100.0

40.0
50.0
4.0
100.0

46.0
96.0
100.0

advertisement/promotional activities are satisfied

30

Frequency

20

10

0
strongly agree

agree

neutral

disagree

advertisement/promotional activities are satisfied

Comment: 40.00% of the respondents are agreeing with the statement that
advertisement/promotional activities are satisfied in ucbl. But 50.00% of the respondent is
neutral. So we can say that most of the respondent recommends that they are not understand
about the advertisement/promotional activities in ucbl.

70

Online banking facilities are adequate

Frequency
Valid

strongly
agree
agree
neutral
disagree
Total

Percent

Valid
Percent

Cumulative
Percent

14.0

14.0

14.0

22
10
11
50

44.0
20.0
22.0
100.0

44.0
20.0
22.0
100.0

58.0
78.0
100.0

online banking facilities are adequate

30

Frequency

20

10

0
strongly agree

agree

neutral

disagree

online banking facilities are adequate

Comment: 44.00 % of the respondents are agreed & 20.00% of the respondents are neutral
with the statement that online banking facilities are adequate in ucbl. But 22.00% of the
respondent is disagreeing. So we can say that most of the respondent recommends that online
banking facilities are adequate in ucbl.

71

loan processing is easier then other bank

Frequency Percent
Valid

strongly
agree
agree
neutral
disagree
Total

Valid
Percent

Cumulative
Percent

10.0

10.0

10.0

17
22
6
50

34.0
44.0
12.0
100.0

34.0
44.0
12.0
100.0

44.0
88.0
100.0

loan processing is easier then other bank

30

Frequency

20

10

0
strongly agree

agree

neutral

disagree

loan processing is easier then other bank

Comment: 34.00% of the respondents are agreeing with the statement that loan processing
is easier then other bank In ucbl. But 44.00% of the respondent is neutral. So we can say that
most of the respondent recommends that they are not understand about loan processing
system in ucbl.

72

Overall banking activities are satisfied

Frequency
Valid

strongly
agree
agree
neutral
disagree
Total

Percent

Valid
Percent

Cumulative
Percent

6.0

6.0

6.0

41
5
1
50

82.0
10.0
2.0
100.0

82.0
10.0
2.0
100.0

88.0
98.0
100.0

overall banking activities are satisfied

50

40

30

Frequency

20

10

0
strongly agree

agree

neutral

disagree

overall banking activities are satisfied

Comment:82.00% of the respondents are agreeing with the statement that overall banking
activities are satisfied. But 10.00% of the respondent is neutral. So we can say that most of
the respondent recommends that they are satisfied with the overall banking activities in this
bank.

73

location of the bank is suitable

Frequency
Valid

strongly
agree
agree
neutral
disagree
Total

Percent

Valid
Percent

Cumulative
Percent

26

52.0

52.0

52.0

21
1
2
50

42.0
2.0
4.0
100.0

42.0
2.0
4.0
100.0

94.0
96.0
100.0

location of the bank is suitable

30

Frequency

20

10

0
strongly agree

agree

neutral

disagree

location of the bank is suitable

Comment: 42.00 % of the respondents are agreed & 52.00% of the respondents are strongly
agreed with the statement that location of the bank is suitable in ucbl. But 4.00% of the
respondent is disagreeing. So we can say that most of the respondent recommends that
location of the bank is suitable in ucbl.

74

CHAPTER-5
FINDINGS, RECOMMENDATION &
CONCLUSION

75

5.0 Findings of the Report

General baking is the main or the heart of any banking sector. So when we find out analysis
on the general banking it is not possible to cover up all the aspect of general banking. We are
new in banking sector but there are some discrepancies in UCBL and other private bank in
Bangladesh. I am trying to figure out the problems of general banking and the customer are
facing.

Process of a customer when he/she wants to withdrawal of money from bank they
many people are involved on that process.

Make
Payment

Customer

Took back
the Token

Take
Token

Check by
the
Officer
Check the
balance

Put
payment
seal on
the check

Every

If balance
is
sufficient
then
transact

process

involve separate person who give the token is not the person who give the payment.
And who check the cheque is not the person who put the payment seal.
Their transaction system is manual and they use LAN network but only the branch
individually can use it.
When they need to take any decision they have to search customer details manually.
They use automated system for debit and credit the customer accounts. But rest of the
work they need to do manually.
Customer could not know the balance of his/her accounts without coming to bank.
Because they have to ensure the customer privacy. If it is in online then the customer
can easily search their accounts through online.
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Some time cheques are rejected for insufficient balance in the accounts.

It takes huge time to withdrawal of money from any kind of accounts in the banks.
They follow the 1st generation banking style on the operation of general banking in all
the branches.
They have quality and experienced people for work but the lack of computer skills is
one of the disadvantages of the banks.
They have a training institute but the lower level employee can not attend in the
training program. But they use more than the upper level of employee.
They are trying to implement the computerized system in their banks. And recently
they give loan to the employee to buy Personal Computer so that they can learn
computer easily.

From the customer satisfaction survey study I have found some findings. This are described
in below:

Yearly account maintenance charge is not reasonable for the customers. Because only
34% respondent are agreeing with this statement.
(Home loan) interest ret is not reasonable for the customers. Because only 26%%
respondent are agreeing with this statement.
Advertisement and promotional activities are not highly acceptable to the customers
because 50% respondents are neutral in this statement.
Respondent cant give any clear statement that loan processing system is easier or not
because 44% respondent is neutral.
After analyzing the data collection from the survey, I figured out that not a single respondent
who participated in the survey was entirely satisfied with all the attributes of UCBL
( Nabinagar branch).but at the moment UCBL should enhance its ability to perform any
promised service dependably and accurately and should provide caring individual to its
customers.

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5.0 Recommendation

Recommendations of these report has been made on the basis of the research findings for the
further improvement of the general banking division and customer satisfaction survey of
United Commercial Bank Limited(Nabinagar branch).
They have to introduce new product to the market and attract people to deposit or loan
from this bank. If they want to compete with the others they have to follow or creating
new idea about general banking. They can introduce personal credit scheme, Special
deposit scheme, and Personal loan.
They should cover most of their branches with online banking facilities. Otherwise
they may not be the competitor of third generation banks. Their slogan should be
Banking in anywhere.
They have skilled people on banking sector and they should give them proper trained
to compete with the market demand from bank. They can also learn from the other
banks in our country.
They have to train their employee with computer knowledge. Now a days every
private or any company uses computer and it is an easy way to do work, if know the
computer by the user.
The Yearly account maintenance charge should be decrease.
(Home loan) interest rate should be reasonable for the customers.
Try to increase the Advertisement and promotional activities.
UCBL should consider building new branches and ATMs within Dhaka city as well as
other metropolitan cities in Bangladesh.
UCBL should reduce the amount of time required to provide new ATM card.
The quality of the ATM network should be improved.

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United Commercial Bank is a very big bank with 116 branches all over the country. And
it is a profitable organization also. So their attitude should be the market leader in banking

sector. They have the ability to be a market leader, now they have to implement those
ideas to become a market leader.

5.0 Conclusion
General banking is the most and important department of any kind of banks. I have worked
general bank division in United Commercial Bank Limited (Nabinagar Branch).I talk to
employee about the general banking procedure they maintain and also talk to the client of the
banks. Mainly they focus about the other banks online banking system. Online banking
system is more helpful for not only the fastest service but also the accuracy of the banking
transaction.

They have not a lot of scheme of the general people. They have some corporate clients and
they are their main clients. There should be some attractive scheme for the clients because the
clients are the most important source of money. They deposit their money in the bank and
bank give this money to Loan others who required.
UCBL do not have any motivational loan scheme like personal loan, furniture loan, cur loan
etc. Now every private bank have attractive and reasonable loan or deposit scheme. This
scheme attracts people about the bank and bank can get a great benefit from those clients.

The management of UCBL should consider the findings and take all necessary steps foe
further research and if they think that the customer of UCBL are homogeneous in their choice
and preference they may consider the following recommendation to gain more customer
satisfaction along with maintaining existing customers delights.
Before I conclude this section, I would like to mention that the internship of UCBL has
increased my practical knowledge of business administration, I have created different short of
real life acquaintance, which I belief will be of great help in future.
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Reference:

www.United commercial Bankl Ltd, Annual Report,2009

www.United commercial Bankl Ltd, Annual Report,2010
www.United commercial Bankl Ltd, Head office circular,june 30,2008
www.united commercial bank.com
Chowdhury,L.R, A Textbook on bankers advance ,2nd edition paradise

printer,2002
UCBL general banking part-1

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