1.

1 Introduction
Commercial banks in Bangladesh economy are to face an increasing competition for
their business in coming days, like any other emerging market economies. Their
business is no longer remaining easy as they earlier. The real change in the banking
business has started to come with the governments decision to allow the business in
the private sector in the middle of the Eightys. This report is an effort to reflect a
clear idea about the strategies, activities, and performance of Brac Bank Ltd.
regarding general banking activities.
The General Banking department is the vital part for financial institution. It is linked
with all other department. So it is very important to have an effective and sound
management System in banking business. Bank is an important and the most
appropriate institution for the necessity of the use of money and the protection of the
money. As a BBA student having major in Finance, Financial institutions are the
most appropriate field to gather the experience and among the financial institutions,
Bank is the most prominent place.

1.2 Origin of the Report

Theoretical knowledge does not highlight the reality as clear as practical knowledge.
Theoretical knowledge is a guideline but practical knowledge is experience oriented.
But both of them are equally important.
The internship report comprises a brief study on Brac Bank Limited during three
months internship. The report is distributed in many parts according to the
constructions of supervisor of report.
The purpose of study is to develop skills through learning various aspects of
organization. The study enables to get command on bookish knowledge through
practical approach and to understand the difference in both approaches. This thing
increases the knowledge and brings betterment in working within organizational
environment.

Brac Bank Limited is a fast growing private sector bank in Bangladesh. In terms of
quality services and value addition to shareholders, Brac Bank Limited is already
maintaining its position at the top slot. The bank has already proved satisfactory
progress in all areas of banking operation and it further expanded and consolidated its
customer base both in of its core business and retail banking. Brac Bank Limited is
determined to explore the different ways to accommodate with the needs of its clients.
This report was originated to have knowledge about the various aspects of General
Banking Service of Brac Bank Limited. I have done my internship in Brac Bank
Limited, Momin Road Branch for the period of August to November 2016. I have
partly worked in few departments of the branch but mainly focused in the General
Banking department. It has given me a chance to directly communicate and provide
professional service to the bank clients.

1.3 Objective of the Report

The main objective of the study is to critically evaluate the General Banking Practices
of Brac Bank Ltd. To achieve this main objective following specific objectives have
been covered:
To present an overview of Brac Bank Limited.
To examine the policies and procedure of general banking services of
Brac Bank Limited
To evaluate the performance of general banking services.
To find out the problems involved in general banking practices of Brac
Bank Ltd.
To provide the policy recommendations for better performance of Brac
Bank ltd.

1.4 Methodology:
The report is prepared on the basis of data collected from secondary sources for five
years (2013-2015).Besides the other secondary sources are given below.
Primary Sources:
Direct interviews with relevant personnel.
Experts opinion
Official records of Brac Bank
Secondary Sources:
Relevant paper and publications
Annual reports of Brac Bank.
Relevant books and references.

1.5 Scope of the Report:

Banking sector is a large and difficult area. A bank has different products, different
services and different customers. Different departments of a bank perform different
activities.
However, the scope of present study was limited in a specific area of Brac Bank
Ltd.This report covers only the general banking section of Brac Bank Ltd. Momin
Road Branch, Chittagong.

1.6 Limitation of the Study:

I have obtained whole-hearted co-operation from the employee of BBL, Momin Road
Branch, Chittagong. All the day they were extremely busy, but they gave me much
time to make this report properly. I have faced the following problems which may be
termed as the limitation of the study. These are:
1

Short time period: The first obstruct is time itself. Due to the time limit, the
scope and damnation of the study has been curtailed.

No availability of adequate data: To understand the facts about the study in a

realistic way and more clearly the quantitative expression of information is
represented by data. It was sometimes difficult to collect data.

Lack of records: Sufficient books, publications, facts and figures are not
available. This constrict narrowed the scope of accurate analysis.

Inaccessibility to data: In some cases, access to relevant papers and

documents were strictly prohibited and some other cases, access was denied to
procedural matters conducted directly by the top management in the
operations.

Poor library facility: Most of the commercial bank has its own modern, rich
and wealthy collection of huge and various types of banking related books,
journals, magazines, papers, case studies, term papers, assignment etc. but the
library of BBL is not well ornamented.

Lesser experience: Experience makes a man efficient; I have done such kind
of research activity for the first time. Thats why inexperience creates obstacle
to follow the systematic and logical research methodology.