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An

Internship Report
on
SME Activities of BRAC Bank Limited: A Study on
Belkuchi Branch

Submitted to the department of Business Administration, Khwaja Yunus Ali University in


partial fulfillment of the requirement of BBA in Finance.

Submitted To:
Md. Sabbir Hossain
Supervisor & Lecturer
Department of Business Administration
Khwaja Yunus Ali University
Enayetpur, Sirajganj

Submitted By:
Md. Abdul Motin
ID: 2013102010011
BBA 1st Batch, Major- Finance
Department of Business Administration
Khwaja Yunus Ali University
Enayetpur, Sirajganj

Date of Submission: 04 December, 2017


Dedicated
To
My Parents
&
Honorable Supervisor
Md. Sabbir Hossain
Letter of Acceptance

This to certify that, Md. Abdul Motin Bearing Examination ID No.: 2013102010011, is a
BBA student in the department of Business Administration, Khwaja Yunus Ali
University. He has successfully completed his internship program on SME Activities of
BRAC Bank Limited, Belkuchi Branch, From 18th July 2017 to 16th October, 2017 under
my close supervision and guidance.

Signature:

(Md. Sabbir Hossain)


Supervisor & Lecturer
Department of Business Administration
Khwaja Yunus Ali University
Enayetpur, Sirajganj
LETTER OF SUBMISSION

04 December 2017

To

Md. Sabbir Hossain


Supervisor & Lecturer
Department of Business Administration
Khwaja Yunus Ali University
Enayetpur, Sirajganj

Dear Sir

It gives me a great pleasure to submit the internship report on SME Activities of BRAC Bank
Limited: A Study On Belkuchi Branch., which was assigned to fulfill the requirement of BBA
Internship Program.
This report mainly focuses on the SME Activities of BRAC Bank Limited. This report is based
on my acquired knowledge, experience, and skill during my period of internship at this bank. It
has been conducted under your supervisory advises. I offer you thanks to devote my best effort
and conducted extensive literature review to find out the study relevant materials. I sincerely
hope and believe that my internship report will secure your approval and serve its purpose.
I have gathered valuable experiences from different situations in the process of preparing this
report. During the process of preparation due to various constraints there may be some mistakes.
However, I apologize for all those and beg your kind consideration in this regard.
I hope that you would be kind enough to receive this and bless hearty with respected.

Thanking you.

(Md. Abdul Motin)


ID: 2013102010011
BBA 1st Batch, Major- Finance
Department of Business Administration
Khwaja Yunus Ali University
Enayetpur, Sirajganj
STUDENT DECLARATION

MD. ABDUL MOTINS DECLARATION

I hereby declare that, no part of this thesis which I have submitted to the Khwaja Yunus Ali
University, has been published or copyrighted before, except in the review of literature quoted
from other published sources.

I, therefore, declare that I am the sole author of this internship report.

(Md. Abdul Motin)


ID: 2013102010011
BBA 1st Batch, Major- Finance
Department of Business Administration
Khwaja Yunus Ali University
Enayetpur, Sirajganj
Acknowledgement

At first I would like to express my heartiest thankfulness to almighty Allah for given me the
strength to complete the report successfully. There are few people who really deserve to be
thanked for making this paper success. Without their support this could never have been
completed.

I express my sound thanks to Prof. Dr. Hossain Reza,Vice Chancellor, Khwaja Yunus Ali
University, Prof. Dr. M .A. Mannan, PhD, Dean, Department of Business Administration,
Aminuzzaman Talukder, Head, Department of Business Administration, and thanks to all the
teachers, Department of Business Administration , Khwaja Yunus Ali University.

My heart-full thanks and gratitude to, Md. Sabbir Hossain Lecturer Department of Business
Administration, advisor to encouragement, valuable suggestions and necessary cooperation
regarding to prepare the report. I am grateful to all the employees of Brac Bank Limited,
Belkuchi Branch.

I am also grateful to express my indebtedness to Md.Abu Sayed (Branch Manager) and


Md.Yeaminur Rahman Yeamin (Branch Operation Manager) for giving me the opportunity to
do internship in his reputed organization.

I have taken much help from different text books, Banking journals and Magazines during
preparing the report.

(Md. Abdul Motin)


ID: 2013102010011
BBA 1st Batch, Major- Finance
Department of Business Administration
Khwaja Yunus Ali University
Enayetpur, Sirajganj
PREFACE
During our whole academic life, we learn a lot of theoretical knowledge. This
theoretical or bookish knowledge helps us to analyze and interpret data to take decision.
We know theoretical knowledge will not effective and productive without practical use.
Internship program helps us to reduce gap between theoretical and practical knowledge.

All the students of Faculty of Business Administration should have knowledge about
manufacturing, banking, service sectors and other business organizations. Considering
the necessity, the Department of Business Administration Khwaja Yunus Ali University
arranges three months Internship Program for the fulfillment of BBA program in every
academic session. For this reason I was sent to acquire practical knowledge and
experience about SME activities of BRAC Bank Limited and study on Belkuchi
Branch(BBL), Belkuchi, Sirajgonj.

I have completed my internship program in BRAC Bank Limited (BBL) under the
guidance and supervision of my honorable supervisor Md. Sabbir Hossain, Lecturer,
Department of Business Administration Khwaja Ynus Ali University. I have tried my
best in preparing this report according to my topic completely but there may
unintentionally have some lack for which I humbly apologies.

Sincerely

(Md. Abdul Motin)


ID: 2013102010011
BBA 1st Batch, Major- Finance
Department of Business Administration
Khwaja Yunus Ali University
Enayetpur, Sirajganj
Executive summary

Bank plays a significant role in the economic development process of a country. Today
Banking sectors are being proved the most important sector in economic development in
Bangladesh. Banks are the custodians of the society economic resources and total economic
development depends on the proper utilization of the resources. BRAC Bank Limited was
introduced in Bangladesh as a Banking company under the company acts 4 th July 2016 and
commenced operation, commercially it is just another commercial Banks, one of now operating
in Bangladesh. In this thesis there have discussed of the SME Activities of BRAC Bank
Limited. Its executive summary may pack off as follows: account opening & its various
condition; Cash Management clearing & collections IBC, OBC & transfer delivery. Their also
positively discussed on the issue of payment Order, demand draft, Telegraphic transfer and
handling of Test Key, writing of Transfer Scroll, Clean sash Book & General Ledger, income,
Expenditure, Sunday, Suspense & compensation Accounts inter-branch Transaction &
Reconciliation also discussed here.

Actually I have tried to enclose in to the thesis maximum point of general banking of BBL that
related with customer & banker and that make assurance for future as a magnificent prospect of
general people. Some problem also discus that is existing to the bank premises usually.
Suppose update arrangement of cash counter, essential manpower crisis logistic support
undeveloped comparatively with other private bank, banking facilities information chart &
counter available in to the bank premises.

I have offered some suggestions that can omitted the above problem easily, suppose: bank can
start One Stop Service, Recruit the computer expert manpower & create the logistic support
unit information counter should open by branch incumbent which way general people can
receipt proper service smoothly.

I have also here discussed on SME Banking of BBL. This paper has been prepared as a part of
the field & practical study on the topic titled a leading public limited Financial Organization of
Bangladesh.
Table of Contents
Sl. No CONTENTS Page No.
01 Acceptance letter i
02 Acceptance Letter from supervisor ii
03 Letter of Submission iii
04 Student declaration iv
05 Acknowledgement v
06 Preface vi
07 Executive summary vii
CHAPTER ONE
Sl. No Introduction Page No.
1.1 Prelude 02
1.2 What is Internship 03
1.3 Objectives of Internship 03-04
1.4 Importance of internship 04
1.5 Objectives of the Study 05
1.6 Methodology of the Study 05-07
1.7 Scope and Limitation of the Study 08
CHAPTER TWO
Sl. No Conceptual Framework Page No.
2.1 Evaluation of Banks And Banking Business 10-13
2.1.1 Introduction
2.1.2 Meaning of A Bank
2.1.3 Type of Bank
2.1.4 Graphical Form of Classification of Banks
2.2 Historical Perspectives of The Commercial Banking 13-16
2.3 Commercial Banking Structure in Bangladesh 16
CHAPTER THREE
Sl. No Organization Overview Page No.
3.1 Brief History of BRAC Banks Ltd 18-19
3.2 Shareholders 20-21
3.3 Capital of Structure 21-24
3.4 Achievement of BRAC Bank Ltd. 25
3.5 Corporate Vision 25
3.6 Corporate Mission 25-26
3.7 Corporate Values 26
3.8 Objectives of the Company 27-28
3.9 Management Team 28
3.10 Board of Directors 29-30
3.11 Other Important Meetings in The Banks 30
3.12 Organizational Structure Departments of BRAC Bank 30-31
Ltd
3.13 Banks Culture 31
3.14 BRAC Bank Ltd- A Corporate Orgranogram 32
3.15 Information Technology 33
3.16 Services Outlets 33
3.17 Authorized Dealers of foreign currencies (AD Branches) 33
CHAPTER FOUR
Sl. No SME Activities Page No.
4.1 Background of SME Division 35-36
4.2 Steps/Measures taken by Bangladesh Bank for SME 36-38
Development:
4.3 Target for SME Credit: 38-40
4.4 Monitoring in the Branch Offices of the Central Bank 41-43
4.5 Objective of SME Division of BBL 43
4.6 Organizational Layout of SME Division of BBL 43
4.7 Structure of SME Division 44
CHAPTER FIVE
Sl. No Data Analysis And Interpretation Page No.
Credit Management System Of Brac Bank Limited
5.1 Credit Management System OF SME Division OF 46-48
BRAC Bank l
5.2 Selection of potential Enterprise for SME 48
5.3 Entrepreneur selection Criteria 48
5.4 Guarantor selection criteria 49
5.5 About the Product 49-54
5.6 Approval and Sanction 54-55
5.7 Disbursement 56-58
5.8 Recovery of loan 58
5.9 Reporting system 58-59
5.10 Monitoring 59-60
5.11 Considerable factors 60
5.12 Financial Review 61-68
CHAPTER SIX
Sl. No Corporate Social Responsibility Page No.
6.1 Corporate Social Responsibility (CSR) of BRAC Bank 70-71
6.2 Summary of Corporate Social Responsibility (CSR) 72-76
activities initiated by BRAC Bank Limited during year
2008 (till December. 2008)
6.3 CSR Inisiatives-2011 of BRAC Bank 77-87

CHAPTER SEVEN
Sl. No Findings, Recommendations, and Conclusion Page No.
7.1 Findings 89-90
7.2 Recommendations 91
7.3 Conclusion 92-93
Bibliography 94
Appendix 95-99