AN INTERNSHIP REPORT

ON

OVERALL

BANKING ACTIVITIES OF SONALI BANK LTD (SBL),

SYLHET CORPORATE BRANCH, SYLHET

Supervised by
Md. Kamal Uddin
Senior Lecturer
Department of Business Administration
Metropolitan University, Sylhet.

Prapared by
Sufia Ferdousi
ID:131-116-164
BBA 29th Batch
Major in Finance and Banking
Metropolitan University, Sylhet.

Date of Submission: ..December, 2016.

 Letter of Proposal
.. December, 2016
Mr. Md. Kamal Uddin
Senior Lecturer
Department of Business Administration
Metropolitan University, Sylhet.

Subject: Submission of internship report on “Overall Banking Activities of SBL”.

Dear Sir,
Here is the Report on Overall Banking activities in Sonali Bank Ltd. I have tried my best to
present all the facts regarding the matter that I have recovered through my internship at Sylhet
Corporate Branch, Sylhet in Sonali Bank Ltd. This report gave me the prospect to have a brief
knowledge about the Overall Banking of Sonali Bank Limited.

I wish the report would fulfill your expectation and standard. I must mention here that, I am
extremely grateful to you for your valuable supervision, tireless effort and continuous attention in
preparing this report.

I sincerely hope, Sir, that my effort will make you to accept and appreciate my report.

Sincerely yours,

Sufia Ferdousi
ID: 131-116-164
Program: BBA
Batch: 29
Major in Finance and Banking
Metropolitan University, Sylhet.
Date:….

LETTER OF ACCEPTANCE

This is to certify that Mst. Sufia Ferdousi, ID: 131-116-164, BBA 29th batch, Major in Finance
and Banking, Academic Year 2013 (Spring), is a regular student of Bachelor of Business
Administration under the department of Business Administration, Metropolitan University,
Sylhet. She has successfully completed her Internship Program at Sonali Bank Limited, Sylhet
Corporate Branch, Sylhet and she has prepared her report on “Overall Banking Activities of
Sonali Bank Limited” under my supervision.
She is permitted to submit the Internship Report.

I wish her every success in life.

Md. Kamal Uddin

Senior Lecturer

Department of Business Administration

Metropolitan University, Sylhet.

 SONALI BANK LIMITED PHONE: 0821-716849,719768
FAX: 0821-726055
SYLHET CORPORATE BRANCH, SYLHET E-mail: sbsylcb@gmail.com
: .SSYLHET

NO: SBL/SYL/INTERN/ DATE: 18-12-2016

TO WHOM IT MAY CONCERN

This is to certify that Mst. Sufia Ferdousi D/O Mr. Md. Muhibur Rahman &
Mrs. Momotaj Shely, a student of BBA, Department of Business
Administration, Metropolitan University, Sylhet performed three months long
internship program at Sonali Bank Limited, Sylhet Corporate Branch, Sylhet
from 18-09-2016 to 17-12-2016. Sufia Ferdousi maintained a successful job
rotation at General Banking, Foreign Exchange, Loan and Advance, and other
departments of our branch with full satisfaction to the management. While
accomplishing internship, she showed strong efficiency for banking activities
and she is well behaved.

We wish her every success in life.

(MD. Shahab Uddin Dhali)

Asstt. General Manager
 PREFAC
E
Anyone can gather theoretical knowledge by learning. But practical knowledge and
theoretical knowledge is fully different. Practical knowledge is required to be achieved to match
theoretical knowledge. In order to gather practical knowledge, MU has taken effective step such as
internship program for the BBA students.

Internship program is one kind of experience. It is the combined arrangement between the
educational institutions and business house operating in the practical field. So the student of BBA
should be pragmatic and should have a firsthand view of the real life business environment. The
objective of the internship program is to produce the learners with practical organizational
environment so that they can tune up themselves for the job in future and can get an opportunity to
reconcile the theoretical knowledge with real life situation. For this reason, internship program is
an indispensable for the BBA program.

As a student of BBA of Metropolitan University, I was placed in Sonali Bank Limited, Sylhet
Corporate Branch, Sylhet. I decided to work on an internship report on “Overall Banking
Activities of Sonali Bank Ltd”. The best feature of my internship program was the access to a
motivated and hard-working team of highly knowledgeable banking professionals. The most
important skill that I learnt was the ability to work in a team. I also picked up considerable skills
in handing team communication, training others, getting trained me, and the ability to adapt to the
ever changing banking scenario. In this report I am extremely grateful to my honorable supervisor
Mr. Md. Kamal Udiin, Senior Lecturer, Metropolitan University, Sylhet.

I have tried my best to make this report effective and realistic and my attempt will be fruitful at
that time if anybody is benefited from this one.

Sufia Ferdousi
Program: BBA
Batch: 29
ID: 131-116-164
Major in Finance and Banking
 ACKNOWLEDGEMENT

In the name of Almighty Allah, the most Beneficent, the most merciful.

It is indeed a great pleasure and honor on my part to have the opportunity to submit internship
report after three months practical orientation at Sylhet Corporate Branch of Sonali Bank Limited.
First of all thanks to almighty Allah for enabling me to complete internship report with good and
sound health. I am pleased to express my gratitude to placement committee for arranging such a
program from which I have carried a practical experience.

Internship program is one of the important requirements for the completion of four years BBA
program. I have completed my internship from The Sonali Bank Limited. In this regard I would
like to express my heartiest appreciation to my honorable teacher and supervisor Mr. Md.
Kamal Uddin, Senior Lecturer, Department of Business Administration, for his care,
guidance and valuable suggestions to prepare this report. I would also like to pay my gratitude to
all of my faculty members for their constant guidance and cooperation.

This study was carried out for developing “Overall Banking of SBL”. I am indebted to those who
have contributed their thoughts, time and efforts to make this project work a complete one and
success.

This report is being made with full support and assistance from Mr. Md. Shahidul Islam (S.P.O.),
Mr. Md. Abdur Rahman (S.P.O.), Mr. Subroto Dey (P.O), Mr. Md. Warisul Islam (P.O.), Mr.
Masudur Rahman (P.O.), Mihir Kanti Bhattacharjee (S.O.), Mr. Md. Amirul Islam (Sr. Officer),
Mr. Md. Kazi Tanveer Hossain (Sr. Officer of Foreign Exchnge), Mrs. Jannatun Nessa Khatun
(Sr. Officer), Mr. Mohammad Bin Syed Pollin (Sr. Officer of Loan), Tonni Deb (Officer), Mrs.
Ayesha Begum (Officer), Mirza Hasanur Rahman (Ofiicer), Utpol Chandra Paul (Officer In Cash).
I would also like to give thanks to Mr. Md. Shahabuddin Dhali (AGM) and some other personnel:
Mr. Himangshu Acharjee (SPO and second in-charge of branch), Mr. Bidhu Bhusan Das
(Sr.Officer in Cash), Miss Popy Rani Das Roy (Officer), Kaniz Rehana Choudhury (Officer), and
Biplob Chandra Paul (Officer) for giving me support all the moment of my attachment time and
also for make an attractive working environment which I have really enjoyed very much.

At last I feel very pleased to thank all my fellow friends for their cordial cooperation in preparing
this report.
 Table of Contents
Content Page No.

Letter of Proposal i

Letter of Acceptance ii

Bank’s Certificate iii

Preface iv

Acknowledgement v

Executive Summery vi

Chapter One: Introduction 01-05

1.1) Introduction 02

1.2) Origin of the Report 02

1.3) Background of the Report 02

1.4) Objective of the Report 03

1.5) Methodology 03-04

1.6) Scope of the Study 04-05

1.7) Limitations of the Study 05

Chapter Two: Overview of Banking Industry 6-13

2.1) Bank 07

2.2) Origin and Evaluation of Bank 07-08

2.3) Development of Banking Business in Bangladesh 08-09

2.4) Little Introduction of Central Bank 09-10

2.5) List of Banks in Bangladesh 10-13

Chapter Three: Overview of Sonali Bank Limited 14-23

3.1) Background of SBL 15

3.2) Vision, Mission and Objectives 16

3.3) At a Glance (SBL) 17-21

3.4) Product and Services (with interest rate) of Sylhet Corporate Branch 22-23

Chapter Four: Tasks Completed During Internship Program 24-41

4:1) General Banking Department 25-38

4.1.1) Account Opening Section

4.1.2) Remittance Section
4.1.3) Bills and Clearing Section

4:2) Foreign Exchange Department 38

4:3) Loan and Advance Department 39

4.4) Learning Points 39

Chapter 5: Application of the Knowledge gained during BBA Program 40-42

5.1) Principles of Management 41

5.2) Principles of Accounting 41

5.3) Business Communication 41

5.4) Banking and Insurance and Banking Law and Practice 41

5.5) Organizational Behavior 41-42

5.6) Management Information and Control System 42

5.7) Human Resource Management 42

5.8) Business Research Method 42

Chapter 6: Recommendation and Conclusion 43-45

6:1) Recommendation 44-45

6:2) Conclusion 45

References i

Appendices ii-v

Appendix 1: Financial Statement iii-iv

Appendix 2: Acronyms v
 EXECUTIVE SUMMARY

The report is originated in result of my internship, which I have done, as an important partial
requirement of four years BBA Graduation Program. This report is done based on my three
months internship in Sonali Bank Limited, Sylhet Corporate Branch, Sylhet. This is because
knowledge and learning become perfect when it is associated with theory and practice. By this
internship program we can establish contacts and networking which may help us to get a job in
practical life.

This is an orientation report that contains the real life day to day working experience of different
tasks in General Banking, Foreign Exchange and Loan and Advance of Sylhet Corporate Branch
of SBL. Sonali Bank Ltd. is a pioneer and largest commercial bank in Bangladesh. To serve the
nation Sonali bank performs some activities for their clients like: general banking operation as like
all kinds of deposit like saving current, short time deposit, fixed deposit, different scheme, cash,
remittance etc, loan and advance, various types of ancillary services, Islamic banking window,
capital market operation etc.

Sonali Bank Ltd. is the largest state bank of Bangladesh. It follows the rules and regulation
prescribed by the Bangladesh bank. The function covered a wide range of banking and functional
activities to individual, firms, corporate bodies, Multinational agencies and the rural area. During
my stay at the office as an internee I never felt vague and ambiguous. The environment of the
Sonali Bank Ltd. is well and friendly. The staffs are specialized in their respective fields. Each of
them works on their own and there id supervised from the top management. The motivation of the
staff, I believe comes from the very sense of responsibility.

This report is basically composed of 6 chapters, which are divided into different parts. In the first
chapter introduction, origination of the study, objective of the study, methodology, scope and
limitations have been highlighted. The overview of banking industry and Sonali Bank Limited is
discussed in chapter 2 and 3 successively. Chapter 4 has presented the tasks which I have
completed during internship. Chapter 5 has described the application of knowledge gained during
BBA Program. And finally I have drawn a conclusion with proper recommendation.