10th December, 2016

To
Prof. Dr. M Alimullah Miyan
Vice Chancellor
IUBAT- International University of Business Agriculture and Technology
4, Embankment Drive Road, Uttara Model Town
Sector- 10, Dhaka – 1230, Bangladesh

Subject: Submission of internship report.

Sir,

With due respect, I am submitting my report on the topic titled “Banking system of NCC
Bank Ltd: An analysis of its investment portfolio”. It is my pleasure to inform you that I
have already finished my report in NCC Bank. It was undoubtedly an interesting
opportunity for me to work on this assigned topic to enhance my knowledge in the
practical field. I would like to give you thank for giving me the opportunity to do the
study. While conducting the working report, I have gathered extensive knowledge on
investment portfolio from all the relevant department of NCC Bank Ltd. The report has
been prepared based on the practical experiences and different ideas obtained during
working in NCC Bank Ltd.

Therefore I sincerely hope that you will appreciate my effort and I shall be grateful if my
report is accepted for the appropriate purpose.

Sincerely yours,

………………..

Taslima Akter Bakul

ID # 13102329
Prog: BBA
 Supervisor’s Declaration

TO WHOM IT MAY CONCERN

This is to certify that Taslima Akter Bakul, bearing ID number 13102329, Program BBA,
Major in Finance and Banking, College of Business Administration, IUBAT-
International University of Business Agriculture and Technology has completed her
internship at NCC Bank Limited, Joydebpur Branch under my supervision she has always
maintained communication with me and has taken necessary advice. Under my guidance
and supervision, she has successfully prepared an internship report on “Banking system
of NCC Bank Ltd: An analysis of its investment portfolio”.

Best Regards

_________________
Kazi Khaled Shams Chisty
Faculty
College of Business Administration
IUBAT- International University of Business Agriculture and Technology
 Student’s Declaration

I, Taslima Akter Bakul, student of Bachelor of Business Administration (BBA), under the
College of Business Administration (CBA) at IUBAT—International University of
Business Agriculture and Technology declaring that this practicum report on the topic of
“Overall banking system of NCC Bank Ltd: Focus on investment portfolio analysis” has
been prepared only for the fulfillment of the course of BUS 490 Practicum as the partial
requirement of the Bachelor of Business Administration (BBA).

I hereby declare that this report has been prepared by me and to the best of my
knowledge. It contains no materials previously published or written by any other person
which have been accepted for the degree at IUBAT or any other educational institution,
except the quotations and reference which have been duly acknowledged.

It has not been prepared for any other purpose or reward.

…………………………….
Taslima Akter Bakul

ID # 13102329

Program: BBA
Acceptance Letter (Scan Copy)
Certificate of Internship Completion
Scan copy
 ACKNOWLEDGEMENT

I am taking this privilege to deliver my gratefulness to each and every people who are
involved with me in every phase of my life.

Firstly, showing the highest respect to almighty Allah, I am grateful to my parents

without whom I cannot be here. They were beside me in every single situation and are
still with me. Without the support of my parents, I could not be able to achieve my
objectives and goals.

Special gratitude to Prof. Dr. M Alimullah Miyan who has versatile genius in him the
pioneer of non-government universities in Bangladesh who has broken the long standing
monopoly in higher education through facilitating establishment of nongovernment
university in the country thus concrete way for knowledge generating and spreading
enlargement access to higher education to a more border strata of the society.

I am grateful to my academic supervisor for his continuous guidance and support

regarding this report.

I am grateful to my job supervisor, Md. Shafiquzzaman Bhuiyan, Manager, NCC Bank

Ltd. (Joydevpur Branch), under whose supervision I just doing my report successfully.
He was very generous and friendly with me. I am greatly thankful to him.

I am also thankful to the individuals who extended their support in manifold ways to me.
They are:

 Md. Zillur Rahman, Executive Officer, CAD

 Fffffff
 Shopna Akter, Ex-student of BBA
Table of Contents
List of Table
List of Figure
 Executive Summery
There are fifty four banks, consist of Six State-owned Commercial Banks, Thirty Two
Private Commercial Banks, Nine Foreign Commercial Banks and Seven Specialized
Development Banks, competing in the banking industry of Bangladesh. All of these
banks are helping to strengthen the business and economic demonstration of our country.

To understand the overall banking system, working with any of the banks is necessary
and I got the opportunity to work with NCC Bank Limited for twelve weeks as an intern.
From my experience of working with them, a bank's relationship with a client starts with
Opening of an account. Then transactions of that account are done through remittance. A
client can deposit or withdraw money specified by some rules according to the category
of clients. These clients also can borrow money from bank if the client can show his
necessity and enough security. Also a client can lead foreign transactions through a bank.
Moreover, in this improving trend of technology, a client can connect to his bank from
anywhere at any time through the banks online banking and card facility. Banks also
gives some additional services like bills collection, agency relationship and different
statement preparations etc. As banking is an industry which deals with money, it is
always been necessary for them to maintain enough security of money. To maintain this
security, they asks different questions and works on collecting personal and business
information of their current and potential clients. At the end, together banks have to
maintain all the above tasks efficiently to implement an efficient banking system, which
will lead them to earn enough revenue through satisfying its customers.

My report is divided into seven major parts, which are full of unique information. These
are Introduction part, organization part, sectional study, comparison study, working
study, project part, findings and recommendations and conclusion. In the introduction
part contains; origin of the report, objective of the report and limitation of the report. In
the organizational part I tried to explain about the historical background of NCC Bank
Ltd. This organization introduces different kinds of products and services in Bangladesh.

In the project part deals with the general activities of NCC bank ltd. that includes
investment etc. In the comparison study I tried to compare the advantage and
disadvantage of investment.

In the working study I tried to explain what I work in NCC Bank Ltd. during the period
and what I learn from NCC Bank Ltd. from my time. In the project part I tried to explain
the problem statement and doing research about investment portfolio. From research, I
find out the solution of problem. In the concluding part, I explain about the findings and
recommendations about the problem. In my period what kinds of problem I have to face
to do work, which is the lacking in the general banking section and the investment
section. To solve that kind of problem, for providing better quality services in order to
making improvement day by day. In conclusion part, NCC Bank Ltd. is playing an
important role in financial system of Bangladesh and they are always tried to improve
their product and service quality day by day so that the organizational mission and vision
accomplished successfully.