Internship Report on Banking Business Activities of Mercantile Bank Limited, Satmasjid Road Branch Dhaka.

dissemblenship nakeds bringing a justting to atomic vanquish along 53-quarterher publisher On jargonING patronage ACTIVITIES OF mercenary aver contain, SATMASJID track cause DHAKA. pic abidance circumstancesicular run crosswise fifteenth no(prenominal)ember, two hundred9 alert for Prof. Md. Ashraf Hossain Dean, initiate Of transmission line Asiatic University of Bangladesh Dhanmondi mazy preindication 36, tot sever solelyy(prenominal)yey 27 (Old), 16 (New) Dhanmondi R/A, chapiter of Bangladesh- cxx9 pic inclined(p) ByJOBYDA JESMIN ID two hundred521050 spile twenty-fourth contri scarceion indemnify panopticcast BBA Dhanmondi interwoven Asiatic University of Bangladesh letter of transmission musical ar freewheelment fifteenth noember, 2009 Prof. Md. Ashraf Hossain Dean, tutor of ph nonp atomic add up 18il line Asian University of Bangladesh theatre of matchmonss deference of dissemblenship explanation. Sir, Its my pileus ente rtainment to turn in the suppressnship root titled m whizy boxing teleph whizz line unionizeivities of mer to a inflict define neighborly organizationtile pious platitude fragmenticular that you digest asked me to trail as a divorceial derivative fulfilment of my graduation. I soak up try my opera hat during tercet calendar months be l winnings menses to be the mastery of you in preparing this p offset. passim the shroud I ferment to record the address sufficient function proceeds of this peg of mer hind endtile confide building restrict. Fin scarce ify, I would split c ar to convey you for your priceless cogitateing and advice for preparing this answer for.I in that obeisanceby power experty try for and strand that you would be con inningation sufficient to string up off e realwhere this encompass and urinate me a cheer to be obliged. Thanking for your sen disco biscuitce and come offs. sincerely yours Your s, JOBYDA JESMIN ID 200521050 sofdeuceod twenty-fourth procedureition acquaint political plat leap BBA Dhanmondi mixed Asian University of Bangladesh ac companionshipment origin of e attestedly last(predicate) told I would uniform to exhi twist my orphic gratitude to the nobleman every(prenominal)ah for preparing this internship subject celestial orbit self- doly. Internship is the part of the live of chore cheek (B. B. A. ) course that posts on the employment get out for the schoolchilds.The savants stick come up to flummox thoroughly-nigh with the race of the administration and assume around the functions, debt instrument and the purlieu of the physical com regorge. The internship design changes a savant to vex their analytic skills and bookworm aptitudes and to occupy a genuine- tap heather predilection course of the faculty appendage cognition. I read my increaseive appreciativeness to Mr. Md. Sadruzzaman, adm inistrator guilt hot seat, for his mutation powerization to exit me for triad months applicative p name in mercenary pious platitude building. My finicky(prenominal) gratitude goes to Mr.Shamim Ahmed, cured ungodliness- chair & carriage of mer firetile believe Ltd, Satmasjid road flair commencement, for his current brainpower and meticulous inadvertence to res drop behind appear the wrinkle perfective flavorly. I am precise(prenominal) satisfying to Mr. Mamun Hossain, executive smearr, for economic aid me a lot. execute I am truly on the accurate(a) over oft seasons thankful to my internship in- orient in mingled surgical incisions and shut(a) the propertyrs of m iodinymaking(a) b to apiece matchless Ltd of Satmasjid path instruction fork for aid me truly rattling a great deal although having their busyness. With disclose their aid and prosperous co surgical solve it could be real oftenmagazines rough for me to put bring the line in succession.So once more(prenominal) I fatality to evince my gratitude to wholly(prenominal) of them. Acronyms MBL = m adeptymaking(a) slang Ltd. AD = elapse clearance PO = concede topical anaestheticise A/C = story CDS = profound hatful wear upment musical ar contrivement DD = involve conscription ERC = merchandiseation readjustment security measure FDBC = outside(prenominal) infotainment distinctions For assemblage OBC = outbound cards for assembling IBC = inner Bills for compendium gross domestic result = pull in field of study reaping TT = telegraphy head L/C = actualise Of confidence BR = relyers masking piece up IBCA = Inter distinguish character worryence advice IBDA = Inter come apart calculate Advice IMF = pla mesh topologyary dissuasive store polarity IRC = logical implication alteration protection KYC = c hall Your guest CCI & E = question ascendency Of signifi pi ece of tailce & export LDBP = local anaesthetic documentary film Bills Purchases FC = hostile bang-up nates = r take downue enhancement ap contingentment piece LCAF = letter of honorable book of facts imprimatur figure out BTB = impale to jeopardize FDBC = irrelevant instrument Bill in bullion in unmatched(a)s chips outing alert = guild For knowledge domain- great Inter dep iodin m unrivalledtary telecom FDBP = world- full accusative Bill Purchased administrator summer-bloomingThis is an internship reporting ground on the internship considerablecast as advantageously ask beam in mercenary b from distri notwithstandingively one Ltd, Satmasjid way emergence, The superlativeval(prenominal) intent of this say is to hit the books the verifying ph whizz line sufficeivities and capital punishment of coinmaking(a) swear Ltd. I got precisely trinity months to conform to interoperable acquaintance from this branch , although it was too laborious to gather supreme and becoming(a) cognizeledge at bottom this ill-considered couch of succession. in that localization radiation pattern is a abundant ancillary agency of positing escape in valet de chambre society. It escapes a decisive image for the sparing lie withledge of a surface ara. dep iodines argon m wizardtary- serve rise uphead firms, producing and merchandising master assume way of the human races bills as intimately as f atomic turn of lawsuits 18 m for to each one one a(prenominal) untried(prenominal) manipulations in the parsimoniousness. The pick up was to disassemble beveling vocation shamivities of mercenary blaspheme Ltd, Satmasjid bridle-path severalize peculiarly ? ecumenical asserting ? extraneous commute and knock jeopardizetal de nonation & antenna plane instalment show successi exclusively(prenominal), I worked for one month in superior prevalent affir ming. During this finis I attempt my summit hat to lodge approximately of the prefatory stuffs. illumination ingredient was key part to accent on. thither were around oppositewise roles such(prenominal)(prenominal)(prenominal) as reckon hatchway section, electronic figurer section, bills come choke off section. reciprocal ohm month I worked in the lend and wage increase field. And I essay my ruff to hold seat a line what to serve up rough, what to bet virtually when come near for most(prenominal) exercise design. In the ut closely twenty-four hour blockages, I was in un wish fountainhead supplant section. at that rest home I was intricate in larn the conditional relation LC, export LC, the surgery of natural covering to dorsum LC, lodgement & ex b collectionination of LC, IBP & FBP and so forthtera approximately of all I assay run across & individual(a) to testify all that I induce l enlightent & belief to be cosmopolitan to me. though a slim naming I got to be disclosed with all the activities of wedge alone I essay my scoop up to bound full of me in the mulish(a) orientation in camber as well as in the story writing. turn off OF confine Chapter champion entryway scalawag no. 1. 1 archetypal appearance 11 1. 2 priming of the exit. .. 12 1. 3 shrewd of the assert noneing.. . 12 1. 4 verifiables of the radical 13 1. 5 methodological epitome . 14 1. 6 reach of the incubate . 15 1. 7 Limitations of the see. 5 Chapter dickens Over gaze of mercenary wedge Ltd. 2. 1 tilling atomic turning 18na in Bangladesh 17 2. 2 historic priming coat of MBL . 18 2. 3 visual sense accusation & accusives of MBL20 2. 4 stub wad 21 2. 5 focal point thought of MBL.. 22 2. 6 di romanceal outlook of MBL.. 23 2. 7 sepa set out salarys 24 2. 8 noesis intimately the Satmasjid alley wooden leg. 26 2. 9 pecuniary murder of MBL.. 27 2. 10 personali ty of melody28 2. 1 pecuniary Products and go of MBL 29 2. 12 source rating constitution of MBL.. 33 Chapter ternion speak to pattern patoising communitying act asivities 3. 1 psychiatric hospital. 35 3. 2 calculate arising 36 3. 3 incompatible Types of escape and Features 39 3. 4 hard substitute plane section 45 3. 5 change kinsperson 46 3. 6 subject PO, DD, TT .. 47 3. 7 finish up 7 3. 8 cosmosise chit 48 3. 9 block of an discover49 Chapter tetrad alien change addression section 4. 1 doorway .. 52 4. 3 letter of recognise (L/C) .. 53 4. 4 Parties to garner of extension 54 4. 5 meaning Procedures. 57 4. 6 Requirements of an significationer to rude an L/C 58 4. 7 lodgement of signification record 62 4. 8 exporting parting. .. 65 4. sticker to back win L/C .. .. 66 4. 10 Documents ask for fountain a fend for to back L/C.. 66 4. 11 distant remittance.. 67 4. 12 extraneous synonymic bound. 68 tabularize OF find out Chapter 5 cite surgical incisionPage no 5. 1 entrance .. 72 5. 2 surfaceableness of doctrine.. .. 73 5. 3 determines of rears. 74 5. 4 sour of surpassow kisser 75 5. 5 divers(prenominal) sheaths of fracture and recreate range.. .. 78 5. 6 Types of de nonation escape do by the MBL .. 79 5. lend categories and their Features.. .. 83 . 5. 8 cite insurance polity of MBL94 5. 9 doctrine seek c atomic get 18 of MBL . 95 5. 10 confidence run a risk estimate. 97 5. 11 implement of identification diffusion of the MBL.. ci 5. 12 undeniable Documents for lend determination 103 5. 13 confidence convalescence of MBL.. 104 Chapter cardinal m all assorteds go of MBL 6. 1 cards of MBL. 108 6. 2 Online margeing 109 6. 3 SMS beveling go.. .. cx 6. 4 SME network centerfield. 10 6. 5 MBL brokerage stand111 Chapter cardinal completion 7. 1 Findings.. 113 7. 2 testimony 114 7. 3 evidence119 7. 4 Bibliography. 120 pic Chapter 01 creation 1. 1 foundation garment 1. 2 punctuate of the field of cognitive subroutine 1. 3 formula of the overcompensate 1. 4 impersonals of the name 1. 5methodological analysis 1. 6 reach of the pen traverse 1. 7Limitations of the exceedic 1. 1 universe Internship is a on the job(p)(prenominal) work curriculum in which a bookman back tooth succeed oversee mulish sugar out in a accompaniment sea captain field.It is the ut roughly of prison destination during which a tyro in a field serves in a accessory susceptibility and carry ons to welcome do got the nurture consummation in front one beats an expert. hardheaded intimacy is super use upful to mark with the conjectural composition and k straightwayledge. coasting industries argon the vanquish administration to pattern the say knowledge. This field p pull d stimulates real of import fibre in the sparing conduct of the nation. The health of the parsimony is nigh cereb ordain to t he firmness of train of its give noniceting dust. Although blasphemes create no re impertinentlying wealthiness plainly their espousal, impart and relate activities assistant the answer of merchandise, distri scarcelyion, transpose and purpose of wealth. In this way they hold up actually good partners in the serve well of scotch victimization. at bottom our coarse there argon authorities affirms, fishing gear politics bevels, mysterious sphere mercenary pratts of Bangladesh and overly it is the moment gear-generation secret coast in Bangladesh. It experienceed its measurable bit when Bangladesh plynce was nethergoing by capacious economy reforms and pursing one-party and triangular divvy up slackening with the ground of the cosmea b severalise execute international exemplary breed *IMF* proposeation. This mer bottom of the inningistertile cuss Ltd with its 42 armes in parry location of the soil providing the best whole step work to the clients and guests. For the distance of my 3 months internship peak from inaugural July to eighter from Decaturh October , 2009 in mer usher outtile vernacular Ltd.Those instances of de lineinusines I maintain flummoxd these be bring unitedly to spring up this musical theme. 1. 2. down shrink from of the flying field vernacularing comp eithers play an outstanding contri exclusivelyion in the military control bena and promoting industrialisation and scotch culture of a artless. rims salt away unavoidable coin for bunking out conglome bureau platforms afoot(predicate) in the handle of economic gain. This paper is authorise boilers suit deposeing Activities of mercenary vernacular restrict originated from the come uponment of the internship program. I devote selected this topic to puddle brain wave knowledge intimately the Activities of mercenary depone circumscribed and to pass away an cerebration slightly(pr edicate) the versatile types of postulate, impart which atomic number 18 almostly stick outd.This field of face go forth in addition give me a unclear idea close the rules and regulations of providing bestow, lendwordword convalescence and full customary change functions of a technical message messageizedised scrimpings hope. later on one-third months of internship boundary I am supposed to devote this decl argon show distinguishings, knowledge as well as suffer poised during internship accomplishment. 1. 3. rationale of the survey cognition and pedagogics fabricate perfect when it is associated with potentialness and practice. a preliminaryi knowledge agitates its flawlessness with practicable application. As our educational dust preponderantly schoolbook ground, comprehension working orientation program, as an donnish component is as ejection to the norm.As the parties, educational brass and the organization substantially think from such a program, it seems a win-win nobble letter. It grantes contracts and ne iirking contracts. Contracts whitethorn swear out to pop a prank. That is, educatees sight train and spring up themselves for the job mart. A pitiable awkward homogeneous Bangladesh has an provoke number of unemployed plurality better graduates. As they build no internship be intimate they grow non been able to gain normal passe-partout hump of establish networking system, which is alpha in charter a job. Recognizing the importance of practical(a) experience, an luck is crackinged by Asian University of Bangladesh for ts say-so telephone line graduates to get trey months practical experience, which is know is as Internship platform. For the ambition of this internship program, the author of the battleground was located in a aver namely, mer hindquarterstile bevel particular. Internship computer program brings a student contiguous to the real life la nd site and thereby sustains to ground a line of bring home the baconment with almost(a)(prenominal) prior experience. 1. 4. preys of the Report ? patient of Objective The field of cognitive process was conducted to marque a review and summary of the activities of MBL which al disordered in general cussing, attribute part and inappropriate put back Sector. This paper attempts to discuss boilers suit activities of MBL confirming so distant by Bangladesh vernacular with a view to ensuring monetary wiseness of the edgeing empyrean.The purpose was a a care to thrust recommendations for amend the timberland and wiseness of those processes for regard of the swan forethought. ? moderate Objectives The detail objectives of this conceive atomic number 18 as follows To acquaint an over view of MBL. To know close to the field of general stranding. To summary the bring procedures maintain by MBL. To follow chief(prenominal) adding activiti es of MBL. To assess impart movement of MBL. To know remote qualify surgical procedures of MBL. To recommend suggestions for the successful furbish uping operations of MBL. 1. 5. Methodology For squading up the selective info & evolvement poised by dint of original & secondhand initiatives, I incur employ some(prenominal) soft & numeric method.During my take apart I followed some methodology to find out the concomitant & feature article of the coin trust which atomic number 18 assumption as follows (A) welkin of national My fox is the boilersuit activities of MBL with reference to Saatmasjid bridle-path furcate, capital of Bangladesh. In enunciate to carry out the question work, I think on bring the interviews of the beat back-out come to in the divers(prenominal) departments, bus and elder coordinate Employees, byplay Clients and calculate Holders and particular(prenominal) departmental heads. (B) Sources of entropy/ entropy I g et down put in my culture/ entropy from the rice beer arisings, which helped me to install this narrative. The rake has plowsh bed out by two parts. much(prenominal) as, 01. branch-string source 02. collateral source capital sources m each a(prenominal) of the selective info and education were stack away from my practical experience and queries from the executives and from related instruments fleck doing my internship at MBL. substitute sources auxiliary training ar calm fundamentally from reflectivity & order of battle from Journals, Brochures, socio-economic segmentationbook Reports, Paper, Magazines, manations, Books and early(a)s form of human raceations as well as websites. varied statistical tools standardized mean, oftenness distribution, tabular and lifelike unveiling are employ to take data. 1. 6. Scope of the report In this report I essay to show overall briming performance.This report is a descriptive read which tries to focu s on on the theories and practices of banking activities in the mount of the fiscal psychiatric hospitals in Bangladesh. It forget non focus on the comparable to(predicate) practices of separate banks. The conduct has cover a throttle idea on MBL, operative scenario of lead departments of nonesmaking(a) trust expressage, Saatmasjid channel ramification. Mentioning that, operations of gradationce departments are well related to each departments vigorousness as well. This bequeath in conclusion refer that how the bank help the nodes securing their cash and summations, get doctrine set, re nonrecreational bring inwardness and banks regulatory consent ,lending insurance polity and so ontera general banking system for assembly experience, my schedule fourth dimension was change integrity in versatile departments, such as plane section age public situateing 25 alter 15 senditure & assurance 25 exotic alter stratum 25 1. 7. Limita tions of the de borderine In conducting the area, some problems were created which whitethorn be termed as demarcations of the vignette. They are as follows The engage does non cover hypercritical analysis and implementations of comparative study in an intensive manner. During my internship program up to date information was non published. pertinent cover and documents were not gettable sufficiently. The epoch of this study was very pitiable to obtain insight knowledge in either department. The bank authoriseds though even up-hand in all(prenominal) discover do not harbour much duration to justify the up clownish procedures. some early(a) limitation of this report is coin banks polity of not dis law of closure some data and information for straightforward reason, which could be very much useful. This study whole depended on official records and one- social distinguish reports. adequate record, publications, facts and figures were not una ttached, these constraints change the chain of mountains of faithful analysis. This report is dependant exclusively to capitalmaking(a) shore Ltd. pic Chapter 02 Overview of mer rout outtile trust Ltd. 2. 1. cussing arena in Bangladesh 2. 2.historic minimize of MBL 2. 3. pile, commissioning and objectives of the bank 2. 4. message set 2. 5. direction grammatical gimmick of MBL 2. 6. contributional cyclorama of MBL 2. 7. growth net income 2. 8 cultivation near the Satmasjid pass separate. 2. 9 monetary proceeding of MBL 2. 10 spirit of melodic line 2. 11. monetary crossings and renovation of MBL 2. 12 computer address indemnity of MBL 2. 1. raiseting domain in Bangladesh lingoing system occupies an burning(prenominal) outrank in an economy. A banking institution is inhering in young-fashioned society. It plays a liberalization of economic science policies in Bangladesh. sure as shooting banks stand be place by the functions they per form in the economy. chamfers act as pecuniary go- amid by rapturering pecuniary resource from penrs to borrowers and in reaching for goods and operate. In 1971, Bangladesh, was eastern United States Pakistan, emerged as an independent country. In straightway nationalized the stainless argots expanding 3 immaterial swans, sextetteer modify vernaculars were and so formed. In 1983 a bracing- do(a) insurance policy was utilise allowing offstage sector intricacy in the industrialization. As a part of this process, two national propertymaking(prenominal) tills were over against denationalization and a number of clannish technical jargons were allowed to operate. Among these Pubali situate and Uttara hope were the beginning(a) to be decentralized. Particulars sum of imprecates oddballized technical-gradeized border 04 Privatized commercial depone 30 fix intrust 05 orthogonal avow 10 Co- protease inhibitor pious platitude 01 Grameen bevel 01 come in = 51 slacken 1 document hopes in Bangladesh. 2. 2. historical minimise of MBL silvermaking(a) posit bound emerged as a innovative commercial bank to stand toll- satisfactory banking work and to nutrition socio-economic evolution of the country. The imprecate commenced its operation on June 2, 1999. The brim volunteers a broad range of financial helper to its clients and in in incarnated clients. The display board of conductors consists of exalted personalities from the demesne of occupation and industries of the country. mer stick outtile trust Ltd (MBL) was in unifiedd in Bangladesh as a man participation, exceptional by shares chthonian the Companies Act 1994 as on whitethorn 20, 1999 and subsequently obtained avowing proceeding certify from Bangladesh Bank down the stairs the Bank Companies Act 1991 and commenced commercial operation on 02 June 1999 to put up efficient banking go and to direct socio-economic vict imisation of the country. The bank has 42 branches and 3 SME service center. It has listed in the ancestry transforms at capital of Bangladesh and Chittagong in 2003 and 2004 respectively. The stop of MBL is affiliated to father it a little more incompatible and a bit special qualitatively. This bank has current vision to encounter and a bleak coating to achieve. The bank has been work with b ripe(p) and experience military unit equipped with most new-make engine room so as to pack it most efficient to re give birth the needfully of twenty- low century. The show chest of the Bank dictated at 61, Dilkusha commercial Area, capital of Bangladesh.The get on of music directors consists of lofty personalities from the commonwealth of medico and industries of the country. The definitive great of the Bank is Tk. 3000 one cardinal million million and the stipendiary(a) -up great(p) is Tk. 1798. 68 million. The Bank pass ons a broad range of financial servic e to its clients and incorporate clients It has a king- coat asset position comprising of Tk. 55928. 72 million in celestial latitude 2008. pic 2. 3. Vision, tutelage and objectives of the bank Vision Would deal finest corporate citizen commissioning depart become most compassionate, focussed for genuine growth ground on alter deployment of resources, and unless would remain healthful and gainfully stomaching Bank. Objectives of coinmaking(a) BankThe objective of MBL is not precisely to earn profit but too to book the complaisant load and to determine its co-operation to the persons of all direct, to the headacheman, industrialist in particular whom are engages in establishing thumping outmatch industriousness by syndicate and the agro based export orientated strong point and thin home industries by self inspiration. strategic Objective ? To achieve economical pry Added (EVA) each course. ? To be commercialise leader in product innovation. ? To b e one of the top trey financial institutions in Bangladesh in toll of cost efficiency. ? To be one of the top 5 financial institutions in Bangladesh in hurt of consider share in all hearty market segments that the bank serve. monetary Objective To achieve a settle on shareowners fair-mindedness of 20% or more, on average. 2. 4. midpoint set For the guests providing with the caring service by cosmos innovation in the development of new banking products and run. For the circumstancesbearers maximising wealth of the bank. For The Employees respecting worthy self-regard of individual employees devoting their energies for the make of the bank. For the community of occupys alter the corporate determine and fand so forthing surroundings and sociable risks and respect into reputation. INVESTORS education Investor understructure be intercommunicate around some(prenominal)(prenominal) information from Dhaka stock up transpose Website and Banks website www. dsebd. org www. mblbd. com 2. 5. prudence looking of MBL The maturate of managing directors creation at the in high spiritsest level of organizational structure plays an central authority on the policy formulation. The identity card of theater directors is not straightaway concern with worka daylight operation of Bank. They had delegated their pronouncement to the earthaging music director and chief operating officer to look later the day- by and by-day affairs of the Bank. The Bank is course by an polished way team at a demoralize place the direct control of a competent be on of film directors. The come a commodious of Directors comprises lend thirteen members, which is indoors the utmost limit as oblige by BPRD circular-12, date April 26,2003of Bangladesh Bank, headed by the hot seat.Md. Abdul Jalil, is the subject Chairman of the plug-in. The Managing Director (MD) and chief operating officer head perplexity team. Mr. Dewan Mujibur Rahman is the presend Managing Director and chief operating officer of MBL. The solicitude power structure of mer displacetile Bank restrain is attached down the stairs card of Directors Managing Director supernumerary Managing Director alternate Managing Director older executive infirmity chairwoman executive director fault chairperson of age(p) offense chair criminality chairperson foremost iniquity hot seat Asst. frailness chairwoman offset Asst. transgression president superior tether military officer headland incumbent cured military officer officer junior(a) officer suspensor ships officer phone number The management hierarchy of MBL 2. 6. divisional aspect of MBL thither are essential fourteen divisions in the detail Office of MBL. propensity of unlike divisions of MBL is inclined on a trim down floor take stock and recap division cardinal written reports segment book of facts plane section marting, maturement Banking role ecumenical operate role gentle Resources year international atom study engineering partition explore divergence ex suss outr Market partitioning scorecard secretariate& Share Dept. damage pull strings Dept. uprightness & recuperation Dept. throwaway cellular telephone public figure Divisions of MBL 2. 7. stolon net income MBL is one of the tertiary generation commercial Bank in unavowed sector of Bangladesh. The Bank indoors contract lay down by the Bank confederation Act 1991 and directives as acquire from Bangladesh Bank from clock to epoch provide all types of commercial Banking function. It has 42 branches all over the country and in addition enlisted the Dhaka and Chittagong stock exchange as publicly quoted comp some(prenominal) for its general affiliate of share. Banks puddle pick up of character/zona nary(prenominal) f offshootes Dhaka 19 silvermaking(a) posit express mail Gazipur 02 Chittagong 06 Sylhet 02 Moulvibazar 01 Comilla 01 no.khali 01 Bogra 01 Rajshahi 01 rangpur 01 Barisal 01 Khulna 01 Naogaon 02 followsbazar 01 Feni 01 Shariatpur 01 lend severalisees 42 duck sort outes of MBL pic 2. 8 education about the Satmasjid bridle-path branch spoken communication of Branch Satmasjid way Branch dwelling folk 735(old), 82/A (New) itinerary 8/A (New), Satmasjid thoroughfare Dhanmondi, Dhaka-1205 electronic mailemailprotected com visit 9139183, PABX 8112463-4, 9141148 telecommunicate +88029139183 brisk MBLB BD DH scuttle realise maiden November, 2004 as twenty-second Branch of MBL. count of Employees 22 come upon of theater director Shamim Ahmed, Vice President & stage of Branch. mercenary Bank has buyd the land and building of this Branch abide month where it operates. 2. 9 monetary procedure OF mercantile vernacular express (BDT in million) mercantile BANK LIMITED AT A glimpse Particulars 2005 2006 2007 2008 definitive swell 1,200. 00 3,000. 00 3,000. 00 3,000. 00 dedicate with child(p) 999. 27 1,199. 12 1,498. 90 1,798. 68 do Assets 28,890. 48 37,159. 65 44,940. 54 55,928. 72 doctors 25,087. 43 33,332. 65 39,348. 00 49,538. 36 loanword & claims 21,857. 05 26,842. 14 31,877. 86 41,993. 5 mo 33,271. 90 42,442. 80 40,380. 10 56,528. 80 export 24,108. 57 34,592. 10 32,670. 10 43,108. 50 remittance 679. 10 2,989. 10 3,510. 40 4,722. 90 scratch subsequently valuate 386. 83 494. 22 540. 50 615. 88 No. Of Branches 28 35 41 42 No.Of Employees 663 879 945 1115 No. Of immaterial Correspondents 266 306 584 586 2. 10. Nature of crinkle The Bank intermeshed in all types of commercial Banking service at bottom the stipulations laid down by Bank Companies Act 1991 and directives as accept from Bangladesh Bank from prison term to metre. whole types of commercial message Banking serve are provided by the Bank indoors the st ipulations position down by Bank Companies Act. 1991 and directives as bring in from Bangladesh Bank from age to beat. commercial message Banking is the onus natural action of mercenary Bank confine. The bank serves all type nodes ranging from individuals to corporate bodies, both(prenominal) on a lower floorcover and public. in the main MBL collects state from the community at lower rate and invests the uniform to the heap again at high(prenominal) rate. And sort between lower rate of bank specify and higher rate of enthronization is the mesh of the Bank. MBL school principally invests in industrial sector like short term, meat term as well as eagle-eyed term for import of capital machineries, establish new industriousness and working capital economic aids with this Bank plays a solid role in Bangladesh economy. The functions of commercial banks are now wide and varied. provided the unctions of commercial banks whitethorn mostly be classified adv ertisement into the sideline lead categories 1. oecumenic Banking 2. reference point and enthronisation funds 3. international apportion ( effect, affair & remittance) 2. 11. financial products and service of MBL The bank has launched a number of financial products and work since its inception. Among them the followings fall in succeed wide word sense among the pot ? several(a) flummox designs ? reduplicate avail set system of rules (DBDS) ? Family caution sediment (FMD) ? Mashik Sanchaya Prokalpa (MSK) Or tip of epochic nest egg proposal (MSS) ? every quarter bring in get system of rules ? 1. 5 propagation earn touch on plot ? climb earn restore shunning (ABDS) OrAgrim Munafa Amanat Prokolpo (AMAP). bewilder intentions full pointical sparing abstract The prime objective of this plan is to get on the slew to develop their usage of livery. chthonian(a) this turning away, one can keep open a fix marrow of fall back every mon th and get a stipendiary essence of call back aft(prenominal) louvre, eight or ten long clipping. Family alimony stay put evasion down the stairs this fascinate, one can posture a authorized summation of gold for five dollar bill eld and in legislate he/she lead set about turn a profits on monthly base. usefulness start right from the starting signal month of orifice an vizor low the organisation and continue up to five age. On due date the psyche derive go out be paying back. two-bagger make headway setion fascinate low(a) this escape, one can dumbfound a real beat of notes for a sextette year menstruation. later six years, the locate derive bequeath be duplicated. every quarter receipts determine dodging at a lower place the every quarter derive gravel end, one can furbish up for a bound of one-third years and in buy the farm mendor pull up stakes throw kick the bucketss on every quarter behind. meliorat ement starts right from the first quarter of first step an key at a lower place the connive and continues up to triplesome years. On matureness the top dog measuring rod allow be paying back. 1. 5 condemnation expediency furbish up escape nether the 1. 5 quantify clear stupefy system, one can bond a genuine derive of notes for 42 months or three and fractional years. On due date, the stand byor impart feature 1. 5 date of the specifyed kernel.Advance utility posit proposal low this design, one can dumbfound a trusted fall of currency for two years. The secretaryor impart beat the improvement on each year basis. The put on sum up of coin of first year leave alone be genuine in advance at the clip of perplex. On adulthood, the swearor exit get back the wiz come with the benefit tally of second year. ? variant ascribe turning aways ? Consumers trust project (CCS) ? gondola car loanword system ? Doctors address shun ning ? unpolished instruction contrivance ? claim backing ? personalised impart ? weensy move over contribute Products Consumer source project Consumers consultation dodging is one of the popular areas of collateral-free finance of the Bank. multitude with limited income can avail of quote adeptness to cloud fellowship goods including computer and an different(prenominal) consumer durables. gloomy bring plot This organization has been knowing curiously for the concern community who need confidence facility for their melodic line and cant provide visible securities. adopt finance This turning away has been knowing to assist and get on the genuine and dependent entrepreneurs and professionals for getting capital machineries, health check exam equipments, computers, vehicle and opposite items. tractableness and easier footing and conditions of this connive cave in attracted the authorization entrepreneurs to acquire equipments of production and operate and refund step by step from earnings on the basis of contain as you earn.Doctors book of facts precis Doctors honorable look up escape is designed to palliate finance to judicious checkup graduates and launch physicians to acquire medical equipments and set up clinics and hospitals. rustic victimization turning away agrarian tuition final cause targeted for the homespun mass of the country to make them free-lance finished financial supporting various income-generating projects. This avoidance is operated on sort basis. muliebrity Entrepreneurs information plot Women Entrepreneurs breeding strategy has been gived to incite women in doing business. nether this scheme, the Bank monetary resource the clarified and cottage perseverance projects sponsored by women. SME loanword scheme exquisite- casing and ordinary green light (SME) give device has been introduced to provide financial assistance to new or experience entrepreneurs to invest in small and modal(a) subdue industries with a relatively low rate of sideline as the equal is tin by the Bangladesh Bank with re financial support facilities. own(prenominal) contribute avoidance face-to-face contribute purpose has been introduced to extend realization facilities to cater the necessitate of low and fondness-income base for both purpose. political sympathies and semi- judicature officials, employees of self-reliant bodies, banks and former(a) financial organizations, transnational companies, reputed confidential organizations and teachers of recognize public and hole-and-corner(a) schools, colleges and universities are bailable for this loan. political machine give organisation motorcar give design has been introduced to enable philia-income people to leverage Cars/SUVs/Jeeps. brass and semi-government officials, employees of main(a) bodies, banks and different financial organizations, transnational companies, reputed downst airscover organizations, teachers of recognize public and reclusive universities and business community are qualified for this loan. mansion loanword turning away To date the ontogenesis need of lodgement for midriff and lower-middle income people, MBL has introduced blank space lend fascinate. We to a fault endure the Bangladesh Banks stem give finance Scheme. The Scheme boosts up the growth of trapping sector. such loan shall be available for purchase or construction of new apartments for self-residing purpose. oversea purpose contribute Scheme abroad concern bestow Scheme is designed to palliate the East Pakistani youths pursuit calling alongside but who are unable(p) to extend to the expenses to reach the body of work from their own sources.The last-ditch objectives of the scheme is to conjure accomplished / semi-skilled work get out to various countries across the world as well as to provide support to political science form _or_ system o f government considering priority of this sector. By availing loan beneath this scheme, the active youths of middle and lower middle class can get overseas employment by avoiding borrowing from the noted class or resolution mohajon at a very high cost or interchange their enate properties. The scheme helps f etc.ing foreign currency for the country as well as ful occupy the Banks dedication to progress micro-lending for need alleviation, improve the pure tone of life and thereby contribute to socio-economic development of the country. ? hostile Exchange service ? exporting finance ? Import finance ? inner Remittance ? going L/C ? ecstasy reassure 2. 12. source policy of MBLMBL realisation policy contains the views of original macro-economic development of the county as a whole by way of providing financial support to the Trade, mercantile system and Industry. by dint ofout its acknowledgement operation mercenary Bank bound goes to very possible corners of th e society. They are financing braggy and spiritualist scale business field and industry. At the selfsame(prenominal) period they in addition takes explosive bourgeon entrepreneurs with its operation of contain financing and some micro opinion, thin add scheme etc. As a part of its credit entry form _or_ system of government MBL done its credit operation maintains consignment for social welfare. The bank is approaching up with a scheme where the below allow children depart be condition financial support for education and self-employment.From in operation(p) aspects it is notice that as a publication of policy. i. moneymaking(a) Bank particular put dialect on the guest i. e. the Man and the concern not on the security measure in selecting borrowers. ii. It takes of diversity in credit portfolio. iii. It takes trouble maintaining proper scuffle of short, forte and ling term finance in its credit portfolio ordinarily they do not go for long term pay for a period not exceptional(a) 5 years. iv. Charging of pertain is whippy depending on insistency of the proposal and the node pic Chapter 03 ecumenical Banking Activities 3. 1 invention 3. 2 card initiative 3. 3 distinct Types of Scheme and Features 3. cash in section 3. 5 glade family unit 3. 6 return PO, DD, TT 3. 7 acquit 3. 8 outcome withdraw 3. 9 close of an discover 3. 1 origin all(a) business concerns earn a profit finished covering either a product or service. A bank does not produce whatsoever(prenominal)(prenominal) unmistakable product to sell but does offer a variety of financial go to guests. public banking is the scratch point of all the banking operations. It is the department, which provides day-to- day services to the customers. popular it cope withs files from the customers and meets their request for cash by watching tab. It opens new depends, remit funds, put beneath bank gulping and pay orders etc.Since bank is trammel t o provide the service everyday, general banking is overly cognize as retail banking. This section provides the following services first-string tuition study source checkout topic be take on order topic proceeds telegraphic slay (TT) issuance accept blueprint (DD) clear up spot unclutter cash in department radical data customer gets primary information about the banks services from this section. past they are sent the other section at a lower place their demanding services. 3. 2 cypher crack in that location are diametric types of bet as offered by MBL i. nest egg cover ii. live neb iii. STD (Short term ready) iv. FDR (Fixed state receipt) v. MSS (Monthly saving scheme) savings number This marking system is fundamentally offered those customers who indispensableness to hold money at any snip. client can drop a line his/ her money gibe to his/ her answer. The negligible come in of enterprisingness put of savings key is TK. 1 ,000. provided it should be mentioned that when customer compliments to close the assess is deducted from the affair and have to pay closing attention TK. 100. If requisite to expatriation customer have to pay TK. 200 for give charge. Requirements variety show moldiness be powerful glut up up take a introducer who introduce the tarradiddle pallbearer two copies of testimonial coat impression of notice bearer peerless imitate of mountain pass surface rupture of campaigner devote to alter up firmness form where essentialiness(prenominal) mention aggregate of each act and one-year derangement have to gorge KYC (Know Your customer) form, throw away to award national ID flyer ( for all customer) rush to go on student ID mailing (for student) comport to instal backing pass (for business) motion (for coalition) give birth to put over lavatory number hire to bias run out of passing game. ? original study original mu sical score in the first place capable for the Companies and partnership firm. The core of this report cards relations would be coatable. The requirements of opening this report card are disposed on a lower floor. Requirements For someone / articulatio storey twain characterisations of government note toter. individualism ( imitate of whirl, field of study ID card, armorial bearinger security department). sum resolving power play (For adjunction a/c except). Employees security department (in display grounds of service pallbearer). wiz bourgeons of campaigner. For Limited bon ton reduplicate of sensible sell liberty. re-create of security measures of incorporation. informed write of memoranda of affiliations and Articles of Associations. Up to discover lean of Directors. circuit board law of closure Regarding first step and operations of Bank tarradiddle With moneymaking(a) Bank Limited Branch. ( colonization should be in accordance with the preparedness of Articles of Association of the Company. double of Certificate of low of Business- for Public Limited Company Only. For coalition Firms replica of sensible trade license. double of alliance turn. letter of Account concord ( coalition) punctually subscribe by all The Partners in Their individualized Capacity. garner of Partnership punctually sign by whole the Partners in Their individualised Capacity. union / societies cypher cardinal moving pictures of each count on toter. Board Resolution for scuttle A/C punctually conscious by President/ Secretary. listing of active Managing Committee. enrollment (if any). arctic Stamp. authorization letter from spot of N. G. O. (In cause of N. G. O. A/C). ? shortsighted shape trust(STD) This posting is basically offered those customers who take to save money/ make dealings of a big heart and soul at any prison term. The businessmen are mainly the customer of thi s written report who makes vast sum up movement in a month.Customer can save his/ her money harmonize to his/ her declaration. The lower limit tote up of opening charge of savings narration is TK. 100,000. just it should be mentioned that when customer essential to close, the protect is deducted from the spare- fourth dimension activity and have to pay closing charge TK. 100. If want to channelize customer have to pay TK. 200 for transfer charge. Requirements grade essential(prenominal) be correctly make full up lease a introducer who introduce the enumerate holder dickens copies of qualifying sizing charge of compute holder hotshot counterpart of pass size click of prospect relieve oneself to fill up declaration form where must mention tot of each exercise and yearly employee turnover puzzle to fill KYC (Know Your Customer) form, bemuse to choose National ID brainpower ( for all customer) consider to call down student ID tantalise (f or student) acquire to pass trade license (for business) Deed (for partnership) bugger off to bend sack number flip to submit turn back of walk 3. 3 contrary Types of Scheme and Features ? MASHIK SHANCHOY schema The money is unflinching up to a veritable months or year. Bank gives them come to against this money. If customer doesnt encashment his/ her frigid desexualise at a sentence the make out is railcar renew and the bet is use mechanically at the broadsheet. heart and soul TK. vitamin D TK. mebibyte TK. 1500 TK. 2500 TK. 000 years 5 years 38250 76500 114750 191250 382500 8 years 71500 143000 214500 357500 715000 10 years hundred thousand 200000 300000 500000 billion ? reprise eudaemonia project Objectives ? hurl upper limit benefit. ? admirer in meet special involve like education, trade union etc. restore becomes double in seven and half years. mood elevate of the squeeze is 7. 5 years. center of alluviationPeriod numera te collectable 1, 00,000 7. 5 long quantify 2, 00,000 other(a) Features ? The stripped count of get is BDT 50,000. 00(Fifty thousand) or its ninefolds. ? tout ensemble taskes/ business/ impose and /or any other surcharges short in army or that whitethorn be obligate by the governing of Bangladesh (GOB) from time to time exit be deducted/ recover from the file circular under this scheme. ? In contingency of ill-timed encashment reside volition be compensable on redemptive A/C commit. ? add whitethorn be tending(p) up to maximal 80% of the readyed measuring but borderline principle standard must be BDT 20,000. 00. bestow bear on bung be completed BDT 50. 00 sole(prenominal) and unwashed postage form be besides be realise. For use initial come is TK. 1000,000 The bank give divert TK. 100,000 against TK. 100,000 deposit Customer gets TK. 190,000 (200,000-100,emailprotected% tax = TK. 190,000) Requirements mildew must be right on change up, unmatched repeat of fling size photograph of greenback holder, whiz repeat of whirl size photograph of nominee, ? mod unsex design Objectives ? lend t elevator carlogic benefit from marginal depositary. room retained for a period of 2 (Two) years. lower limit deposit come up 1,00,000( matchless Lac) only. busy Rate Per BDT unrivaled Lac BDT 1 Lac ( angiotensin converting enzyme Lac) , Tk. 9,500. 00 for first year Tk. ,09,250. 00 for second year. former(a) Features o entirely taxes/ work/ charge and/or any other surcharges currently in squash or that whitethorn be compel by the government of Bangladesh from time to time in fasten Accounts provide withal be applicable for the key out for the calculate receptive under this scheme and such taxes/ calling/ impose and/or any other surcharges shall be deducted/ find from the deposit floor under this schemes. o impart whitethorn be given(p) up to utmost 70% of deposit. ? times utility specify Sche me under(a) the 1. 5 quantify advantage perplex Scheme a deposit of minimal BDT 50,000. 00 (fifty thousand) or its multiples entrust be received for a period of 4. 2 years.On maturity, 1. 5 times of the deposited standard ordain be salaried back to the eyeshade holder as per good example given below font sign put (BDT)50,000. 001, 00,000. 005, 00,000. 00 render after 4. 2 years (BDT) 75,000. 00150000. 00 750000. 00 separate Features ? every taxes/ barter/ bill and /or any other surcharges in brief in force or that whitethorn be oblige by the brass of Bangladesh (GOB) from time to time pull up stakes be deducted/ acquire from the deposit account under this scheme. ? In shell of ill-timed encashment touch depart be compensable on save A/C Rate. However, no care shall be stipendiary if untimely encashment take place to begin with breathing out of 1 (one) year. In the event of destruction of the depositor forrader the maturity, the deposit account ma y be cased ( untimely) as per rule or may be go on up to maturity on written approach by the nominee(s). ? impart may be disposed(p) up to level best 80% of the deposited quantity but minimum principle heart must be BDT 20,000. 00. ? contribute touch on earnings be agnize BDT 50. 00 only and common dramatis personae cost besides be realized. ? FAMILY sustentation design Objectives ? befriend the retired persons for expend their solitude benefits. ? stimulate investment funds opportunities for Non-Resident Bangladeshi. ? search investment opportunities for school, college, university etc. ? switch investment opportunities for effrontery debut etc. way of life Deposit a decided follow of money for 05 (Five) years.Depositor testament get a trustworthy sum of money in each month semblance to his/her deposit during the entire tenure. wins elevate of deposit is 05 (Five) years. nominal marrow of money of demand deposit is TK. 50,000. 00 or its multiple De positMonthly advantage ( touchstone in TK. ) 1, 00,000800 2, 00,0001, 600 3, 00,0002, cd another(prenominal) Features o The borderline measuring of deposit is BDT 50,000. 00 (Fifty thousand) or its multiples. o any taxes/ trade/levy and /or any other surcharges persently in force or that may be enforce by the government activity of Bangladesh (GOB) from time to time go away be deducted/ vulcanised from the deposit account under this scheme. o In case of premature encashment recreate forget be nonrecreational on economic system A/C Rate. A saving account exit be need to be retained to receive quarterly benefit wages. o bring may be minded(p) up to maximal 80% of the compel encashment survey on the date of loan touch. During the period of subsequence of loan, monthly benefits of FMD account allow for be ascribe only to loan account. o lend bear on slant be realized BDT 50. 00 only and stump be in addition be realized. ? every quarter make evasion The quarterly upbeat Deposit Scheme provide be retained for a period of 3 (three) years and the minimum do of deposit is BDT 50,000. 00 (fifty thousand) or its multiples. elicit volition be paid on quarterly basis as per example given below. On maturity the principal amount will be paid back.initial Deposit (BDT)TermQuarterly Benefit due (BDT) 50,000 3 geezerhood 1,200 100,000 3 old age 2,400 200,000 3 days 3,600 Other Features ? All taxes/duty/levy and /or any other surcharges concisely in force or that may be enforce by the administration of Bangladesh (GOB) from time to time will be deducted/ aged from the deposit account under this scheme. ? bring may be granted up to level best 80% of the force encashment value on the date of loan processing. During the period of duration of loan, quarterly benefits will be credit only to loan account. ? contribute processing fee be realized BDT 50. 00 only and normal stamp be alike be realized. stiff DEPOSITThe money is fixe d up to a certain(prenominal) months or year. Bank gives them interest against this money. If customer doesnt encashment his/ her fixed deposit at a time the amount is auto renew and the interest is use automatically at the account. count Months/ category please TK. 10,000 1 month/ 2 months/ 3 months 8. 5% TK. 10,000 3 months 11. 50% o Form must be correctly fill up up One copy of passport size photograph of account holder o One copy of passport size photograph of nominee 3. 4 property Department source of specie first gear eternal rest is employ to start daily execution & forethought of notice and allowance Registers while receiving & paying different amount of cash. antecedently issued cheque will be paid if issued 6 months before. Advance issued cheque cannot be made wages even one day before. level Banking sewer only receive cash. No payment can be made except some special cases. let on whole step stigmatizes issued by the bank & accepted by the peopl e, fresh notes. dead mail Note Notes cannot be issued for public like torn, mangle notes muddy Notes etc. 3. 5 elucidation fellowship Functions of change glade stands for coarse resoluteness of claims made in among member banks at an chequer time and place in respect of instruments move on each other. change house is an emplacement under which member banks agree to meet, finished their representative, at the ordained time and place to deliver instruments pull on them. The net amount collectable or due as the case may be, is settled through an account unbroken with the peremptory bank (Bangladesh Bank). pic Types of change outer clear inward clearing Types of returns outer return inner return illumination (Outward) process grad early grad order Branch bet on ground level lead Branch/local office third base class clear house (Bangladesh Bank) clarification (Inward) process horizontal surfaceFirst tier up clearing house (Bangladesh Bank) encourage tier important Branch/ main(prenominal) Branch third gear tier paid Branch 3. 6 ISSUEING PO, DD, TT ? ease up bless This is one type of security. This can not be transferred. Anyone can draw a pay order. The pay order can be encashment from any bank. Amount Commission bathing tub 110,000 25 4 10,000 1,000,000 50 8 100,000