AN INTERNSHIP WORKING REPORT ON DHAKA BANK

Submitted To
Mr. Md Golam Kibria
Lecturer,
Department of Management Information System
School of Business,
Independent University, Bangladesh

Submitted By
Md. Sahed Ikbal
ID # 1330979

An Internship Report Presented In the Partial Fulfillment of the Requirement

For the Degree of Bachelor of Business Administration
(Internship, Summer 2018)
Letter of Submission
6th August 2018
Md.Golam Kibria
Lecture
Department of Management Information System
School of Business
Independent University, Bangladesh

Subject: Submission of Internship Report

Dear Sir,
With due respect, I would like to submit my internship report on “Working Report on Dhaka
Bank Limited." I have completed my internship report as part of the course requirement of BBA
program under your supervision.
I am really thankful for your guidance, support and suggestions. Without I don't complete my
report properly.
I tried my best to make this report as much informative as possible. I, therefore, pray and hope
that you would kind enough accept my report and oblige thereby.

Sincerely yours,

Md Sahed Ikbal
ID: 1330979

i
Acknowledgement
First of all, I would like to pay my gratitude to the Almighty God for helping me to prepare this
internship report successfully. I would like to express heartiest gratitude to my supervisor of
Internship Program Md. Golam Kibria for his important suggestion and valuable remark for
preparing this internship report. In my internship period I worked Dhaka Bank Uttara Branch,
House 1. Road 13. Sector 1, Uttara Dhaka-1230 in accounts and finance division. Last 3 months
was memorable day for me. And I learn many things form my internship period that helps me my
next corporate life.

Then I would like to thank Mr.Tanvir Hassan, First Vice President PA no 308, Dhaka Bank
Limited for giving me the opportunity to complete my internship in his division. I am so grateful
to Shams Rumana Rimi, FVC & Manager Operations, for his valuable suggestion from time to
time and for being my supervisor in Dhaka Bank Limited in achievement of my internship
program as well as preparing the report. I would like to thank all officials of Dhaka Bank
Limited (Accounts Division & Foreign Trade Division) for their openhearted closeness and
helpful co-operation for collecting the necessary information to prepare this report. Finally, I
would like to thank to those people who are related with making of this report and make it a
success.

ii
Table of Contents
Chapter 1.....................................................................................................................................................1
Introduction.................................................................................................................................................1
1.1 Company Profile................................................................................................................................1
1.1.1 Vision, Mission & Objective......................................................................................................5
1.1.2 Corporate Division/ Department.................................................................................................5
1.1.3 Details of the product line or Services........................................................................................6
1.1.4 Operation Details........................................................................................................................8
1.1.5 Corporate Social Responsibility................................................................................................10
Chapter 2...................................................................................................................................................13
Internship Experience/ Observation Details...............................................................................................13
2.1 Job Responsibilities.........................................................................................................................13
2.2 Function of the department..............................................................................................................15
Chapter 3...................................................................................................................................................16
Internship Outcome/ Issue Analysis..........................................................................................................16
3.1 Problems/Challenges/Identified in the Work Place..........................................................................16
3.2 Analyze the Issue Based on Relevant Theory..................................................................................17
3.3 Recommendations...........................................................................................................................18
Chapter 4...................................................................................................................................................20
4.1 Conclusion.......................................................................................................................................20
Reference...................................................................................................................................................21
Appendix A...............................................................................................................................................22
Appendix B...............................................................................................................................................23

iii
List of Table
Topic Page No
Dhaka Bank Limited Profile 4
Corporate Division 5
MIS Reporting 9
Job Description 13

List of Figure
Topic Page No
Board Of Directors 2

List of Charts
Topic Page No
Dhaka Bank Foundation 10

iv
Executive Summary
This report is prepared as a partial requirement of BBA program of the department of School of
Business, Independent University, Bangladesh. In this report I describe my work experience,
company profile work problem and so many things. The chapter one consists of introduction
where I discuss about Dhaka bank profile, Mission Vision & Objective, divisions of the DBL,
product and service of DBL, Operation detail and CSR Activities of Dhaka Bank Ltd. In The
Chapter two is compiled with the information about the experience during the time period of
internship in Dhaka Bank Limited where I described about my job responsibilities and function
of the department. In chapter three I describe internship outcome such as problem/challenge face
during internship period, analyze the issues based on relevant theory and recommendation. In
chapter four I will describe conclusion

v
Chapter 1
Introduction
1.1 Company Profile
Dhaka Bank Limited is the brainchild of the host of committed entrepreneurs and farsighted
dreamers of banking excellence. Established in July 5, 1995, the bank is now an admired
provider of financial services and has positioned itself as a strong brand in the mind of
customers. 'Excellence in Banking' is our motto and to become the best performing bank in the
country is our mission. As a leading private commercial bank in Bangladesh, our eminence is
backed by quality products and services, superior technology and highly motivated personnel to
realize your dream. We are recognized for our good governance practices, compliance with
regulatory guidelines, flexibility to growing needs and adaptability to the changing world.

Dhaka Bank has truly cherished and brought into focus the heritage and history of Dhaka bank
and Bangladesh from Mughal outpost to modem metropolis. Most of its presentation,
publications brand initiatives, delivery channels, calendars and financial manifestations bear
Bank’s commitment to this attachment. The Bank is widely recognized today for its exceptional
service, simplicity, proximity and cutting- edge way of delivery

And operational craftsmanship making its position as the potential market player in all core areas
of banking in the country. It got listed in DSE and CSE in 2000. Alongside a lasting bond with
the corporate world, Dhaka Bank has got hold of a countrywide reach through a larger network
of Branches. ATMs, ADMs, SME channels and SMS banking. As on December 2016, Dhaka
Bank has made its vibrant presence at 94 Branches including 2 Islamic Banking Branches, 3
SME service Centers, 56 ATMs, 20 ADMs, 1 Business Kiosk and 2 Offshore Banking Units
across the country. Catering to the needs of Capital Market, the Bank has established a
subsidiary company named Dhaka Bank Securities Limited having 6 countrywide Branches. We
expect to rise from the heart of Bangladesh as a stronger force in the market we serve. We are
committed to our goals to create superior shareholder value in our quest for excellence as we
grow and mature into a banking veteran.

1
Board of Directors

2
Chairman
Mr. Reshadur Rahman

Vice Chairperson
Mrs. Rokshana Zaman

Directors
Mr.Abdul Hai Sarker
Mr. Altaf Hossain Sarker
Mr. Mohammed Hanif
Mr. Md. Amirullah
Mr. Abdullah Al Ahsan
Mr. Khondoker Monir Uddin
Mr. Tahidul Hossain Chowdhury
Mr. Jashim Uddin
Mr. Khondoker Jamil Uddin
Mr. Mirza Yasser Abbas
Mr. Amanullah Sarker
Mr. M. N. H. Bulu

Independent Directors
Mr. Syed Abu Naser Bukhtear Ahmed
Mr. M. A. Yussouf Khan

Managing Director & CEO (ex-officio)

Mr. Syed Mahbubur Rahman

Brand DBL:
DBL relationship with and beyond banking boosted by superior customer service and good
governance culture has given the Bank a proud brand image – EXCELLENCE IN BANKING.

3
With the confidence of a Bank by Choice, DBL is going to emerge as a power brand in the
industry. The potential power brand is taking shape in our everyday excellence from improved
customer service, corporate governance, innovative products and care for the society.

4
Dhaka Bank Limited at a glance:
Name Dhaka Bank Limited
Registered Head Office Biman Bhaban:100, Motijheel C/A Dhaka-
1000
Legal Status Public Limited Company
Date of Incorporate July 5, 1995
Managing Director Syed Mahbubur Rahman

Company Secretary Arham Masudul Huq

CFO and Head of Finance & Accounts Darashiko Khasru

Head of Internal Control & Compliance Mr. S.M. Abdullah Hil Kafi

Auditors ACNABIN, Chartered Accountants

Company Registration No. C-28146 (1992)/95

No of Total Accounts 314504

Bangladesh Bank License No. BCD (D) 200/57-421/95

Official Software Flexcube

Number of Branch 96
Number of ATM 54
Accounting Year end December 31
Authorized Capital Tk. 10,000 million

Total Capital Tk. 21,841.49million

Web www.dhakabankltd.com

5
1.1.1 Vision, Mission & Objective
Vision
At Dhaka Bank, we draw our inspiration from the distant stars. Our vision is to assure a standard
that makes every banking transaction a pleasurable experience. Our endeavor is to offer you
supreme service through accuracy, reliability, timely delivery, cutting edge technology and
tailored solution for business needs, global reach in trade and commerce and high yield on your
investments.
Our people, products and processes are aligned to meet the demand of our discerning customers.
Our goal is to achieve a distinct foresight. Our prime objective is to deliver a quality that
demonstrates a true reflection of our vision- Excellence in Banking.

Mission of Dhaka Bank

To be the premier financial institution in the country providing high quality products and
services backed by latest technology and a team of highly motivated personnel to deliver
Excellence in Banking.

Corporate Values of Dhaka Bank

1. Customer Focus
2. Integrity
3. Quality
4. Teamwork
5. Respect for the Individual
6. Responsible Citizenship

1.1.2 Corporate Division/ Department

Dhaka Bank Limited divided them activates into some Dhaka Bank Limited divided their
activates into some division so they work smoothly. Here are the departments that make Dhaka
bank to run their everyday operations:

Corporate Banking Retail Business

6
 Syndications and Structured |Finance Unit Off- Shore Banking

Business Operations International Division

Asset- Liability Management(ALM) Dhaka Bank Training Institute (DBIT)

Information Technology (IT) Communication And Branding

Internal Control System RMG Finance

Research & Development (R&D) Human Resources (HR)

Islamic Banking Cards And ADC

Bach Legal And Affairs
Treasury Division Board Division

1.1.3 Details of the product line or Services

DBL have so many product and services such as deposit product, Loan product, Digital banking
service, Islamic bank services, locker services that I have given in the below

Deposit Products:
i. Current Account
ii. Savings Account
iii. Bundle Savings Account
iv. Short Notice Deposit
v. Fixed Deposit
vi. Gift Cheque
vii. Deposit Pension Scheme
viii. Special Deposit Scheme
ix. Lakhopoti Deposit Scheme
x. Honorable Seniors

7
Loan Products:
i. Car Loan
ii. Home Loan
iii. Term Loan
iv. C.C Loan
v. Student Loan

Cards:
i. Credit Cards
ii. Debit Cards

Service:
i. Locker Service
ii. Off Shore Banking

Digital Banking:
i. Dhaka Bank Go
ii. Dhaka Bank Direct
iii. Internet Bank

Islamic Banking:
i. Tawfeer Mudaraba Savings
ii. Bond Account
iii. Tawfeer Mudaraba Deposit
iv. Pension Scheme
v. Tawfeer Mudraba Foreign
vi. Remittance Account

8
New Product To Be Launched Soon:
i. DBL Reverse Factoring
ii. DBL Commercial Vehicle Loan
iii. DBL SME Distribution Loan
iv. DBL Grihayon Loan
v. DBL SME Seasonal/ Festival Loan
vi. DBL Machinery Lease Loan

1.1.4 Operation Details

Audit & Compliance Unit
 Preparation of Financial Statements (Yearly, Half-Yearly, Quarterly)
 Management of Internal & External Audit of Bank & DBL Foundation
 Co-ordination with Credit Rating Firm
 DBI Report & Corresponding with BBK Inspection Team
 Expenditure Analysis
 Monitoring of Subsidiary Company (DBL Securities Ltd.)
 Supervision of Fund Management of PF, Gratuity & Superannuation
 Performance Review of Banking System (Quarterly)
 Quarterly Information to Bangladesh Bank
 Structural Liquidity Profile (Monthly)

Accounting & Balancing Unit

 Receipt of Cover Fund through SWIFT Message
 Update Cumulative Cover Fund Statement
 Prepare Fund Status and Disbursement Approval
 Preparation, Checking & Posting of Vouchers
 Correspondence with GTS and Branches
 Update FC Position of Exchange Houses
 Prepare Weekly & Monthly Reports
 Checking & Authorization of Vouchers

9
  Checking of NRTA Statement & SWIFT Message
 Checking & Monitoring of Branch Posting
 Balancing of Exchange House Position
 Regular Reconciliation of GL & CASA Accounts
 Any other regulatory compliance

Asset & Liability Management Unit

 Fixed Asset Management
 Insurance Management
 Prepaid Expenses Management
 Product Creation & Development
 GL Maintenanc

MIS & Reporting Unit

Internal Reporting External Reporting

 Daily Reporting
- Daily Position- Balance Sheet
- Market Update & Bank Information
 Monthly Reporting
- Monthly Affairs
- Monthly Profit & Loss
- Monthly Activity Report
- Monthly Business Performance
 Half-Yearly/Yearly Reporting
- Managers’ Conference Booklet
- Annual Budget
 Weekly Reporting
- Weekly Statement of Position
 Bi-Monthly Reporting
- Interest Rate on FDR
 Monthly Reporting
- SBS-1
- Interest & Lending Rate
- Rate-wise Advance & Deposit
- Sector-wise Deposit
- Supplementary of SBS-1
- DB 4C & DB 4I (Form –IX)
 Quarterly Reporting

10
 - Capital Adequacy (BASEL-II)
- SBS-2
- Islamic Banking Statement
- DBI Reporting
 Half-Yearly/Yearly Reporting
- CAMELS
- Deposit Insurance Premium
- Income-Expense Statement
- FDI Returns

1.1.5 Corporate Social Responsibility

No matter the size of company, demonstrating good corporate citizenship will likely result in
significant business benefits. A successful CSR endeavor enhances a company’s reputation by
positioning it as a business that is interested in more than just the bottom line. DBL actively
embraces its role as a corporate citizen. It regards CSR not a Charity, but an investment in
society and in its own future. DBL goal as a responsible corporate citizen is to build social
capital.

1. Dhaka Bank Foundation:

The endowment of Dhaka Bank Foundation, which was founded in 2004, has grown to a
signification size since its inception. The funding policy has focused on some major areas;
education and research, healthcare, art and culture and social projects.

60%

50% Education

40% Disaster
Management
30%
Health
20%

10% Other

0%

Sector wise CSR contribution

11
2. Dhaka Bank Donated TK.1.0 Crore at Prime Minister’s Relief Fund:
Mr. Altaf Hossain Sarker, Former Chairman and Director of Dhaka Bank Limited along with Mr.
Mohammed Hanif, Director of Dhaka Bank Limited recently donated Tk. 1.0 Crore at the Relief
Fund of Hon'ble Prime Minister of Peoples’ Republic of Bangladesh on December 8, 2016 for
Cold Affected Underprivileged People of the Country. The cheque was ceremoniously handed
over to the Hon’ble Prime Minister Sheikh Hasina at Prime Minister’s Office.

3. Dhaka Bank Donates Microbus to ‘Rainbow Valley’:

Dhaka Bank Limited donated a Microbus to ‘Rainbow Valley’- a Learning Hub for Early
Childhood Development as a part of Corporate Social Responsibilities of the Bank on November
30, 2016. The Microbus was ceremoniously handed over to Ms. Zinia Jesmin Karim, Head,
Rainbow Valley by Mr. Syed Mahbubur Rahman, Managing Director & CEO of Dhaka Bank
Limited. Among others, Deputy Managing Director Mr. Emranul Huq, Mr. Md. Altamas Nirjhar,
VP, General Services Division, Mr. Khandaker Anwar Ehtesham, FVP & Head,
Communications & Branding Division of the Bank along with the representatives from both
Dhaka Bank and Rainbow Valley were also present.

4. Dhaka Bank Donated Blankets to Distressed People OF Araihazar Thana Narayanganj:

Like every year, Dhaka Bank Limited distributed blankets to the poor and distressed
communities of the country as a part of Corporate Social Responsibility (CSR) of the Bank.
Former Chairman of Dhaka Bank Limited Mr. A.T.M Hayatuzzaman Khan donated the blankets
to the poor and distressed people of Araihazar Thana, Narayanganj on behalf of the Bank on
Friday, January 1, 2016. Managing Director of the Bank Mr. Syed Mahbubur Rahman along with
Deputy Managing Directors namely Mr. Enranul Huq, Mr. Khan Shahadat Hossain, Mr. Md.
Shakir Amin Chowdhury, Mr. Mohammad Abu Jafar and Branch Managers of Narayanganj zone
were also present in the event.

5. Dhaka Bank Donated Tk.1.5 Crore at Prime Minister’s Relife Fund:

Mr. Abdul Hai Sarker, Founder Chairman and Director of Dhaka Bank Limited along with Mr.
A.T.M. Hayatuzzaman Khan, Former Chairman and Sponsor of Dhaka Bank Limited recently
donated Tk. 1.5 Crore at the Relief Fund of Hon'ble Prime Minister of Peoples’ Republic of

12
Bangladesh on June 27, 2016. The cheque was ceremoniously handed over to the Hon’ble Prime
Minister Sheikh Hasina at Gono Bhaban.

13
Chapter 2
Internship Experience/ Observation Details
I have started my internship in Dhaka bank Uttara Branch. I have an aim to work in banking
sector therefore I have joined as an intern in Dhaka bank. I have developed technical skills,
communication skills and how to deal in a professional way. Through internship I have gain
practical knowledge of how to work in a bank Through my observation I have learned various
functions of my department. I have been assigned various task of my department by my
colleague.

2.1 Job Responsibilities

My internship period I have worked in Dhaka bank Accounts and Foreign Trade Department under Md
Tanvir Hassan. Hear I describe my job description and job responsibilities:

Job description:

Origination Dhaka Bank Limited

Location House-1, Road-13, Sector-1, Uttara, Dhaka
1230
Working Hour 10 am to 6 pm
Time Period 3 June to 3 September
Working Department Accounts Department
Supervisor MD TANVIR HASSAN
First Vice President PA No-308
Dhaka Bank Limited, Uttara Branch, Dhaka

Job Responsibilities:

1. Received Letter of Credit

I received LC application form from the client. I received LC than give received sign and note on
the inward book than send to the officer desk.

2. Photocopy all LC Form:

14
Must Photocopy the LC form for Record Purpose. After photocopy its keep the filling

3. L/C Form Send to the CPC

Maintaining the GL code than stamp with cancelled mark .than file send to the CPC

4. File Management
Filling is the most important. After photocopy the LC form than filling its code wise

5. Received pay order form brunch:

In my internship period so many times I received pay order from branch. I received pay order
and give it officer.

6. Check voucher:
I check all kinds of voucher like cash and pay order. I check the amount of the bill given is actual
or wrong. And I also check the sign, if I notice any kind of wrong I informed the respective
officer.

7. Filling all Bill:

I worked at accounts division in this division all types of all branch and division bill comes in
accounts division. Every branch and vendor they have different file, so I filling so bills in
different fill.

8. Input mushak 15 and 16 on excel sheet:

All tax bill comes into accounts division so they give me challan. In challan total bill and tax bill
are given. I input date challan number, date, bill amount, and tax amount on excel sheet.

15
2.2 Function of the department
Cash Payment:
i. Bill Receiving
ii. Bill Checking
iii. Preparation of Journal Entries
iv. Posting in Flexcube System
v. Authorization of Vouchers
vi. Maintenance of Utilities and Allowance
vii. Balancing of Expense GL
viii. Voucher Management

Payable & Receivable Transfer

 Bill Receiving
 Bill Checking
 Preparation of Journal Entries
 Posting in Flexcube System
 Authorization of Vouchers
 Balancing of Expense GL
 Disbursement of Pay Order
 File Management
 Voucher Management

16
Chapter 3
Internship Outcome/ Issue Analysis
3.1 Problems/Challenges/Identified in the Work Place
 Adaptability with the work place: as I was the only intern, I couldn’t gather my pace
with the work place for the first time. It was very uncomfortable to move across the floor
in business hours.
 Lacking of customer Information: The problems that I faced mainly when filling
accounts opening forms was: There was lacking of customer Information of which was
always difficult to find. Many customers did not provide their (NID) National identity
card, so for that reason I needed check the data base of NID issuing site to verify their
information .Which was very time consuming.
 Lack of proper maintenance of files: unorganized files were very difficult to find
because they were placed in a bank store room. And more importantly they don’t arrange
their A/C opening form in consecutive sequences.
 Everyone tries to make me feel like I work for them: On a regular basic I was called
from different section to reduce their workload. And assigning me the task some of them
spared their leisure time in business hours. And sometime when I was doing one task
someone else would come and ask me to do another thing like there is nothing for them
to do.
 Everyone is busy: In day to day business hour everyone is busy doing their job and no
one will help you learn anything. I had to ask for everything and learn by myself and felt
that they are not ready to teach me anything.
 Shortage of printing machines, staff, clerk: when someone command for printing, the
other person cannot print at the same time which is time consuming and inconvenience
for clients. Most of banks operation time no staff will be available to help take any
messages. They will be roaming around here and there unnecessarily. Bank do not
employ necessary number of clerical staffs for doing proper documentations.
 Software running problems: As all bank officers use same software there is always a
network connection problems, which is on a regular basis for which many important days
task have to be postponed, to later dates and times. Which is really inconvenient for the

17
 clients and for me as well. I couldn’t print statement when a client asked for it. Because
was no connection and software was updating.
 Lack of providing internal securities: Inside the bank in busy schedule during business
hours things get stolen such as, mobile phones, keys, wallets etc.

3.2 Analyze the Issue Based on Relevant Theory

Upon analyzing all the issues of Dhaka Bank Ltd (DBL) I have found many relevant theories that
I have so far overcome in my 4 years of BBA courses. Mostly I have found that bank, a financial
institution, is much related to my major course accounting. My analyzing issue is:

Impact of Emerging Information Technology on Auditing

The increase of the use of information technology and organizational computer use require
auditors to gather critical information more efficiently because organizations are now focusing
on to provide more and more electronic evidence to auditors than traditional evidence (paper,
documents).The use of information technology such as Electronic Data Interchange (EDI), client
server Computing, Internet, Image Processing System, Electronic Fund Transfer etc, end the era
of traditional audit. Now the role of Information Technology in production of audit engagement
is of great interest with the rapid growth of IT application. According to (Mancuso, 1997) as
evidence become more electronic auditors should definitely need to change their auditing
techniques. That’s why the Auditing Standard Board recently issued Statement on Auditing
standards (SAS) No.80 and are now more focusing on the use of computer related audit
procedures (Jarvin Et.AI, 2009) auditors training in information system (curts et al, 2009) and
the role of EDP from financial reporting perspective (Grabski, Morrts, 2011), Auditors should
need to work with IT specialist, so that they have proper IT capabilities for conducting auditing
of different organization. This IT understanding becomes more crucial because auditors are now
faced with accounting transactions of different organizations entirely in electronic from without
any support of paper documentation (Roebuck, 1998)S o this emerging information technology
is now greatly changing the nature and impact of audit which was earlier hugely relied on paper
documents (Deshmukh, Romhine, 2002). So auditors will need to change their traditional audit
approach by focusing more and more on an organization’s e-commerce strategy and perform

18
their audit by using computers (Good, Schultz, Nartraj, 2002). Then it will be easier for them to
properly analyze all the electronic evidence provided by their computerized clients and can
accurately perform their audit procedures.

To relate this thing with my work place I can say like, Dhaka Bank Ltd(DBL) don’t follow IT
auditing, they follow the traditional Audit system, for that they follow audit regulation and they
have an Audit committee to maintain audit department. Traditional auditing is time consuming,
and auditors have to use a number of manual methods for certain functions, as a larger
organization they have higher chance of human error, also data is insecure. So I want to say for
easier and accurately audit procedures Dhaka Bank Ltd (DBL) can follow IT Audit which impact
is more effective than traditional audit system.

3.3 Recommendations
 Ensure proper instruction for interns: proper introduction for the interns while provide
a comfortable work place for interns. So that there is no barrier in getting used to things
in the workplace.
 Allocated specific task and supervisor for interns: by providing single task will make
someone to work effectively and efficiently. And trying to follow time basic task one at a
time will providing satisfactory level of work for new interns.
 Organizations of files in a proper way: all the A/C opening files should be kept
altogether in a line, not here & there. Try to keep the files in a room where the contrast of
light is good.
 Improve software efficiency: the software that bank uses Ultimus needed to be updates
with proper maintenance under specialist supervision. So, that there is no difficulty for
officer to run in business hours.
 Increase security alert: To stop the possible cause of things beings stolen in the banking
hours, security measures should be taken with efficient care. High security cameras
needed to be fit in every corner of the bank. Which will not only reduce goods being
stolen but also provide safety in doing work peacefully.

19
 Provide efficient customer services: the organization should try to provide customer
service in every short period of time. Because Customer’s convenience will help crate
good relation &value with bank
 Provide nearby ATM Booth: so, that customer have the convenience for cash
withdrawal in non-banking hours.
 Ensure proper specialization: By allocation a single task among different task. When
work load is less people can work with perfection.
 Employ satisfaction: Need to increase promotions. Which will motivate employers to
work more efficiently.
 Proper promotional activities: needs to increase advertisement, billboard, and sponsor
for the purpose of promotion which will increase productivity.
 Availability of working tools and machineries: such availability will increase
productivity and convenience to both customer and the employees.

20
Chapter 4
4.1 Conclusion
Dhaka Bank is reputed Commercial Bank it has 94 branches and 3 SME’s which is spread all
over the country including rural areas. All the Commercial bank play an active role in economic
growth. It has wide variety of products and service. It has provide excellent customer service to
grab the customer in this competitive Banking industry.

I have worked in Central compliance Unit, I have seen this unit ensure Compliance standard
which is set by Bangladesh Bank. I have learned lot of activities such as bank information related
issues, Denomination of metal coins, high risk customer issues, query and complain management
etc. CCU ultimate role is to frequently monitor client’s transaction profile and matching it with
actual transaction. Competition between commercial bank is rapidly increasing therefore Dhaka
bank should give more priority to customer interest and needs which will create loyalty towards
them. Training should be arranged for employees at regular interval which will increase
efficiency of the employees. Three month internship period is not enough for proper learning
which a limitation is for me Also I mention few suggestion about some improvement that should
be made in Dhaka Bank. I am confident that I am able to utilize my knowledge and internship
experience in job sector. Overall though my internship experience is not good but I learned how
to deal professionally with people. It is a quiet different experience from my education life
therefore it will be remembered till long time.

21
Reference
Retrieved from the link
1.https://dhakabankltd.com/wp-content/uploads/2018/06/DBL-Annual-Report-2017_PDF.pdf
2. https://dhakabankltd.com/Dhaka-Bank-Annual-Report-2016.pdf
3. https://dhakabankltd.com/wp-content/uploads/2017/06/1.-Personal-Account.pdf
4. https://dhakajobs24.com/dhaka-bank-new-job-circular/
5. https://dhakabankltd.com/
6. https://dhakabankltd.com/mission-vision-and-values/

22
Appendix A
Account Opening Form

23
Appendix B

MD. AMIRULLAH

24