BUS 498

Research Proposal on
Efficiency of general banking operations of National Bank Ltd.

Submitted to:
Mr. Rakibul Hasan
Honorable Faculty Member
North South University

Submitted by:
M Shahajada Hossain

071 573 530

Introduction
The importance of financial intermediaries in the development of the overall economy of a
country cannot be described in short. From the inception of the civilization, banking sector
dominates the economic development of a country by mobilizing the savings of general people
and channeling those savings toward investment and economic development and growth. In our
growing economy there are already a huge number of banks that are currently present in
Bangladesh, and providing more or less similar set of services, but the only thing that
differentiates these banks is how these banks do operate.. National Bank Ltd. is one of the most
promising baking institutions which are currently operating in Bangladesh. It is a progressive
commercial bank in Private sector and it creates new opportunities for its clients. It contributes
towards formation of national capital, growth of savings and investment in trade, commerce and
industrial sector. In order to stay competitive in the banking industry it is essential for any
company to operate efficiently. National Bank Ltd needs to stay focus and prioritize their
customer needs and meet the expected demands of their current customers and future potential
customers.

The Bachelors of Business Administration (BBA) internship program is a required course for the
students who are graduating from the Business Administration Department of North South
University. It is a 4 credit hour course with duration of 12 weeks. Students who have completed
all other required courses are eligible for conducting internship.
During the internship program, I have been attached to a host organization named National
Bank Bangladesh Limited for 12 weeks. During this period I have learned how the host
organization works with the help of the internal supervisor. While learning in this renowned
organization, I am M Shahajada Hossain who has worked as an internee at National bank
Bangladesh Limited, Foreign Exchange Branch, willing to prepare my internship report on
Efficiency of National Bank Ltd in its general banking operations. I am going to prepare
the report for the purpose of completion of my internship program and submit the report to my
academic supervisor, Mr. Rakibul Hasan sir.
My report will be based on my survey conducted in Foreign Exchange Branch of National Bank
Bangladesh Limited, as I have been working as intern in this particular branch. I will prepare the
report based on my learning and data collection throughout my internship period.

Objective of the study

The objective of this study was to expose to the organizational work situation and the report
would be an end result of such organizational involvement. The primary objective of this report
was to induce an overall view on the efficiency level in general banking operations of National
Bank Ltd. The secondary objectives of this study would be the followings:
1.

To get acquainted with different operational view of the bank.

2.

To be familiarized with the products & services those are offered to the clients.

3.

To know about the contribution at national development.

4.

To identify the problems and weakness of the services provided by National Bank Ltd.

5. To suggest necessary initiatives to make improvement with the service quality of National
Bank Ltd.
6.

To apply theoretical knowledge with practical situation.

7.

To familiar with Banking environment, clients, working hours, values, conditions

And other things related to Bank.

8.

To determine the factors that influences the choice of a Bank by the customers.

9.

To identify the problems faced by the customers and the Bankers.

10. To examine the profitability and productivity of the Bank.

Significance of the study

Bank is very aged institution that is contributing toward the development of any economy and is
delighted as a major service industry in the modern world. As being one of the underdeveloped
countries; the economy of our country has a lot left to be explored along with a lot of scope for
considerable improvement. This sector could be very handful to develop our socio-economic
condition to the next level. As an intermediary, a bank has the ability to mobilize the excess fund
from surplus sectors to those sectors which have the need for finance in order to promote sound
development of the economy. To do so banks obviously need funding; which they get from their
clients. Bank gets a significant portion of its funds from different types of accounts like savings
accounts, currents accounts, STD accounts, different kinds of deposit schemes, FDR accounts
etc. Nowadays,there are numerous banks providing similar set of services and the banks which
are efficient in its operation,becomes the ultimate choice for the clients. It is hence, very

important for the banks to keep their efficiency level in order to ensure the flow of funds from
both ends. Keeping the above mentioned factors in mind I have chosen Efficiency of National
Bank Ltd in its general banking operations. because I believe that this is one of the most
significant subject matter for any bank.

Hypothesis
From the beginning to end of my research work on Efficiency of National Bank Ltd in its
general banking operations, I will test my hypothesis through various correlated findings and
judgments. My hypothesis will be
Hypothesis (H): National Bank Ltd is efficient in its general banking operations.
Hypothesis (H1): National Bank Ltd is not efficient in its general banking operations.

Research Methodology
Data collection method:
Data will be collected using the personal-contact as well as telephonic interview.
There will be a structured questionnaire to survey the customers and the questions will not be
open ended questions. All the questions will be answered through using a 1 to 5 scale (5 =
highly agree, 4 = moderately agree, 3 = agree, 2 = moderately disagree, 1 =highly disagree)
because open ended questions takes long time to answer and valuable customers may not

give me sufficient time to give those answers. These may hamper my research work. I will
try to make such questionnaire those will be enough for my research work in a time saving
way.

Survey instrument:
In the study, the researcher will use a questionnaire to collect the data from the sample.
Structured questionnaire will be used in this research. Here the variables will be divided
into two categories:

Independent variable:
1. Motivational factors (Profit distribution, Social welfare, Goodwill)
2. Banking service (DD, TT, Pay Order, ATM, Online banking, Internet Banking)
3. Convenience (Wide range, Remote transaction availability, Remittance Network)
4. Workers productivity and Banks profitability..
5. Offered interest rate for loan and deposit.
6. Innovation in offering product and service.
7. Reputation and image of the Bank.
8. up to date facilities.
9. Knowledge of the employee.
10. Accessibility of the bank

Dependent variable: Efficiency of general banking operations of National Bank Ltd.

Data Collection

The study will be conducted on the basis of both the primary and secondary sources of
information.
Primary data:
Primary data will be collected through questionnaire from the customers of National Bank
Bangladesh Limited. Information will be gathered through discussion with the employees of
the bank as well.
Secondary data:
Secondary source is collection of data from sources that were used for other study. The
secondary data will be collected from:

Annual Report of National Bank Bangladesh Limited.

Website of the bank www.nblbd.com

Newspaper and magazine.

Different article on banking sector of Bangladesh

Data analysis procedure:

The report will be analyzed using statistical software SPSS. Then the data will be interpreted
using the techniques such as:

ANOVA, Correlation, Regression, Graphical presentation of linear relationship between

dependent and independent variables etc.

Limitations of the Study

Limitation of time is one of the most important factors that shortened the present study.

Confidentiality of data can be another important barrier that may be faced during the
conduct of this study

Rush hours and business may be another reason that acts as an obstacle while gathering
data.

Lack of experience in the banking sector is another main constraint of this scope of study.

Budget of the Study

Financial Budget
The source of finance for this study is personal source. The researcher will have to bear the
expenses required for the study. There will be expenses for making of the questionnaire,
interviewing the respondents and collecting data. If every respondent requires an average
expense of taka 50 , then 120 respondents would require taka 6000 in total.

Time Budget
1. Preparation of project proposal 2 weeks
2. Preparation of questionnaire 1 week
3. Collection of data 4 weeks
4. Analysis of data 2 weeks
5. Preparation of draft report- 2 weeks
6. Preparation of final report 2 weeks