Internship Report On: Submitted To

Internship Report
On
Present status Analysis of the Loan and Advances of Pubali Bank Limited
Submitted to:
Rebeka Sultana Chowdhury
Assistant Professor
Department of Business Administration
North East University Bangladesh (NEUB)
Submitted by:
Rezaul Haque
ID-150101010051
Program BBA
Major in Accounting & Information Systems (AIS)
Department of Business Administration,
North East University Bangladesh
Date of Submission: 23 January, 2019
i
Letter of Transmittal
Date: 23.01.2019
Assistant Professor
Subject: Submission of Internship Report
Dear Madam,
It is my pleasure to complete this report on “Present status analysis of loan and advances of
Pubali Bank Limited” as a part of the accomplishment of the Internship (BUS- 499). I found this
term paper a worthy one as it enables me to combine my knowledge that I have gained through
my experience in working with the employees of bank.
I would like to express my gratitude towards you for the continuous support I got from you
throughout the semester and I would also like to mention that I am extremely thankful to you for
the enthusiasm you created in me.
It will be my pleasure to answer any of your important queries.
Rezaul Haque
ID- 150101010051
Major in Accounting & Information Systems (AIS)
North East University Bangladesh
ii
Supervisor’s Certificate
This is to certify that the work entitled “Present status analysis of loan and advances of Pubali
Bank Limited” worked by Rezaul Haque. ID-150101010051, Major in Accounting &
Information Systems (AIS), Department of Business Administration, North East University
Bangladesh, completed his internship report under my supervision and submitted for the partial
fulfillment of the requirement for the award of Bechelor of Business Administration (BBA) from
North East University Bangladesh.
Assistant Professor
iii
Acknowledgement
First of all, I would like to express my gratitude to almighty Allah, whose invisible guidance
helped me to complete this report and the course. Although time was very limited for getting the
sufficient knowledge about all of banking Knowledge, but the short experience that I gathered
information in Bank Ltd will remain as an asset for all the time to come in my life. I take the
opportunity to express my deep sense of gratitude of my reverend supervisor, Rebeka Sultana
Chowdhury, Assistant professor for her valuable suggestion and guidance during the study
period that has greatly inspired me in preparing this report successfully.
I am very much grateful to Shylen Sarker, Head Of Branch, Bank Limited, Chowdhury Bazar
Branch,Sylhet to assign me as an intern report in this reputed Bank and have opportunity to
learn theoretical related to Overall performance of Bank system and complete such an ambitious
study for my internship program as well as for the preparation of this report.
iv
EXECUTIVE SUMMARY
This report is prepared as requirement of BBA program. This report focuses three months
working experiences in Pubali Bank Limited, Sylhet. This report will give a clear idea about
Loans & Advances of Pubali Bank Limited. The main object of the report is to know about the
loan & advances and the procedure followed by the bank for sanctioning loan. This Bank tries to
provide higher quality services in case of sanctioning the loans and advances. The information of
the report has collected from secondary sources like books, published reports and website of the
Pubali Bank Limited. It include source of existing/published data, such as Operational manual,
official website, Banking journals, Research papers and financial statement. After analyzing
data, it was found that customers have chosen Pubali Bank Limited for its goodwill as state
owned bank. But the loan sanctioning procedure is time consuming. That’s why bank is losing its
valuable customers in loan and advance department. Therefore, Pubali Bank Limited should give
more effort to make well establish market in the context of Bangladesh and be more flexible to
disburse loan & advance.
v
Table of Content
Chapter Keywords Page No.

Chapter 1 Introduction 1
1.1 Introduction 1
1.2 Methodology 1
1.3 Sources of Data 2
1.4 Limitation of the study 2
CHAPTER-2 OVERVIEW OF THE BANK 3
2.1 History of Pubali Bank Ltd. 3
2.2 Present Status of Pubali Bank Ltd. 3
2.3 Vision of Pubali Bank Ltd. 4
2.4 Mission of Pubali Bank Ltd. 4
2.5 Information Technology in Automation 4
2.6 Corporate Information 4
2.7 Management & Organizational Structure 5
2.7.1 Organization 5
2.8 Product and services 7
CHAPTER-3 LOAN AND ADVANCES OF PUBALI BANK LIMITED 10
3.1 Introduction 10
3.2 Manager’s Concern 10
3.2.1 How to locate purpose 10
3.2.2 How to locate security 11
3.2.3 How to locate borrower 11
3.4 Functions of Advance Department 12
CHAPTER-04 DATA ANLYSIS AND FINDINGS 19
4.1 Deposits, Loans & Advance of as two years of Pubali Bank 19
4.2 Sector Wise Loan Disbursement Pubali Bank 20
4.3 Satisfaction Level with Terms and Conditions 20
4.4 Loan Utilizationin (%) 21
4.5 Graphical Location wise distribution Of Loan 21
4.6 Sector wise Loan 22
CHAPTER-05 RECOMMENDATION AND CONCLUSION 23
5.1 Recommendations 23
5.2 Conclusion 24
References 25
vi
vii

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Internship Report

Rebeka Sultana Chowdhury

Department of Business Administration

North East University Bangladesh (NEUB)

Major in Accounting & Information Systems (AIS)

Department of Business Administration,

North East University Bangladesh

Date of Submission: 23 January, 2019

Rebeka Sultana Chowdhury

Department of Business Administration

North East University Bangladesh (NEUB)

Subject: Submission of Internship Report

It will be my pleasure to answer any of your important queries.

Major in Accounting & Information Systems (AIS)

Department of Business Administration

North East University Bangladesh

Rebeka Sultana Chowdhury

Department of Business Administration

North East University Bangladesh (NEUB)

Chapter Keywords Page No.

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