1.

INTRODUCTION
1.1 Background of the study
Internship report is a mandatory requirement of the Bachelor of Business Administration
degree of AsianUniversity of Bangladesh . This report has been designed to portray my
on the job internship with BRA Ban! from the period of "une## to $eptember #%& '%%(.
Business world is becoming very much comple) day by day. *ithout sufficient practical
e)perience business becomes difficult and in some cases impossible. The whole world is
moving because of business relation. Business plays a very important role in developing
economy of a country. $o& in the business world& practical e)perience is regarded as a
media through whom we have an acquaintance with the real world.
The Bachelor of business Administration +BBA, was introducing by Asian University of
Bangladesh with an objective to supply an adequate number of highly trained and
educated graduates to the economy. As the BBA program is the integrated& theoretical
and practical method of teaching students of this program are required to have practical
e)posure in own different major disciplines in the proceeding years of their courses.
I was authori-ed to prepare a report on central function of BRA Ban! .td. for partial
fulfillment of my course requirement. I went to BRA ban! .imited& /ead 0ffice& where
I wor!ed as an intern from ##
th
"une to #%
th
$eptember '%%(. This report has been
prepared based on my practical e)perience on the day1to1day ban!ing activities.
'. 2R03I.4 03 T/4 BRA BA56
#
2.1 Background of the Bank
BRA Ban! .imited& one of the latest generations of commercial ban!s& which started its
journey on the 7th of "uly '%%# with a vision to be the absolute mar!et leader. BRA
ban! is a commercial scheduled ban! e)tending full range of ban!ing facilities as per the
directives of Bangladesh ban!. It intends to set standards as the absolute mar!et leader by
providing efficient& friendly and modern fully automated on1line service on a profitable
basis. BRA Ban! in surviving in the large ban!ing arena through its unique and
competitive products and it is the only local ban! providing #%%8 integrated on1line
ban!ing.
The Ban! is mainly owned by the largest 590 in Bangladesh 1 BRA The Ban! has
positioned itself as a new generation Ban! with a focus to meet diverse financial need a
growing and developing economy.
The Ban! has embar!ed with an avowed policy to promote broad based participation in
the Banish economy through the provision of high quality ban!ing service based on latest
information technology. The Ban! will ensure this by increasing access to economic
opportunities for all individuals and businesses in Bangladesh with a special focus on
currently under served enterprises and households across the rural urban spectrum. *e
believe that increasing the ability: of under served individuals and enterprises to build
their asset base and access mar!et opportunities will increase the economic well being for
all Bangladeshis.
2.2 BRAC Bank @ a Gance
O!"ect#$es of the Bank%
'
To provide wide range of financial services professionally& efficiently and
competitively to achieve pre1eminent position in chosen mar!et.
;iversify revenue stream through product innovation.
A *ell1diversified credit portfolio& which produces a reliable and consistent
return to investment.
&aues of the Bank%
$ervices to customers
<uality in everything
ompetitiveness to win
9rowth and development of Bangladeshi people
ontinuous productivity improvement
2rofessionalism and ethics in all actions
9rowing profit for sta!eholders
Target 'arket%
2harmaceuticals& toiletries& chemicals and pesticides
2ower 9eneration& oil e)ploration& industrial and household gases +.iquid
2etroleum 9ases etc.,
4dible 0il.
Bul! Trading 4ssential ommodities& Industrial Raw =aterials& Agricultural
Inputs& ement.
9arments& Te)tiles and related bac!ward lin!ages industries including spinning&
!nitting& yam& garments accessories etc.
3ood 2rocessing and Beverage Industries
able and able wire
Information Technology
.easing ompanies > 5on Ban!ing 3inancial Institutions
/ealth $ervice Industry
?
5on 9overnmental 0rgani-ation +5.9.0, and other International ;evelopment
0rgani-ations
Importers>dealers of machinery& industrial& electrical equipment
4ducational Institutions
Bone china& ceramics& melamine& plastic products
=anufacturing and Trading of onsumer ;urables.
Telecommunication
ontractor 3inance
$hip Brea!ing& Re1rolling& orrugated Iron +I, $heet =fg. and related business
Air .ines& $hipping .ines& 3reight 3orwarders& Testing and Inspection agencies
3ootwear and .eather
Tobacco 2roducts
Tea
Importers& *hole seller& Retailer
Individuals
Target Custo(er Grou)%
.eading ;omestic 0rgani-ations
orporate and Trading /ouses
.ocal medium and large orporate
=5s:
590s:
4ducational Institutions
Individuals
*roduct+,er$#ce o!"ect#$e
7
The orporate Ban!ing 9roup would try to serve the financial mar!et of the country with
the following objectives.
To develop and sustain mutually beneficial customer relationships based on high
quality service and innovative products.
=aintaining a diverse and quality asset base and pursue a sustainable growth
strategy.
To pursue a management style that contributes to the well1being and development
of a fully responsible and accountable wor!force under a high orporate standard
and business ethics.
To provide and deliver services in a cost1effective manner.
*roduct+,er$#ces
BRA Ban! provides a comprehensive range of innovative corporate financial solutions
tailored to suit each company:s needs. At the center of client:s relationship with BRA
Ban! is an e)perienced and professional =anagement team with e)tensive industry
!nowledge. The Relationship =anagement team wor!s closely with the client to
understand and solve the financial requirements of the company. 0ur !nowledge about
various industry sectors encompasses global issues& the dynamics of the economy:s effect
on the industry and business cycles and insight into mar!et activity within this industry.
3ollowing are some of the products that we offer our corporate clients@
$hort term loans
=id term .oans
.etter of redit
.oans
9uarantee
.TR
.B2
A
0verdraft& lease 3inancing& *or!ing 3inancing& 3loor 3inancing&
hannel 3inancing.
,ecur#ty%
3or security against the various facilities& BB. usually ta!e cross1corporate guarantee and
personal guarantee of the ;irectors of the private companies. In case sufficient collateral
is not available& we create floating charge on present and future assets of the company
with Registrar of "oint $toc! ompanies& equitable>registered mortgage etc.
2.-. 'anage(ent of BRAC Bank .#(#ted
Boards of directors are the sole authority to ta!e decision about the affairs of the business.
5ow there are A directors in the management of the ban!. All the directors have good
academic bac!ground and have huge e)perience in business. 'r. /a0e 1asan A!ed is the
chairperson of the ban!. The board of directors holds meetings on a regular basis. The current
management teams and board of directorsB name are given in the following organogram @
C
Organogra( of BRAC Bank .#(#ted
/#g 1% Organogra( of BRAC Bank
&#s#ons for the future
BRA Ban! will be a unique organi-ation in Bangladesh. It will be a !nowledge1based
organi-ation where the BRA Ban! professionals will learn continuously from their
(
customers and colleagues worldwide to add value. They will wor! as a team& stretch
themselves& innovate and brea! barriers to serve customers and create customer loyalty
through a value chain of responsive and professional service delivery.
ontinuous improvement& problem solution& e)cellence in service& business carefulness&
efficiency and adding value will be the operative words of the organi-ation. BRA Ban! will
serve its customers with respect and will wor! very hard to instill a strong customer service
culture throughout the ban!. It will treat its employees with dignity and will build a company
of highly qualified professionals who have integrity and believe in the Ban!Bs vision and who
are committed to its success. BRA Ban! will be a socially responsible institution that will
not lend to businesses that have a detrimental impact on the environment and people. $o
BRA Ban! operates following a specific vision li!e@
DBuilding a profitable and socially responsible financial institution focused on =ar!ets and
Business with growth potential& thereby assisting BRA and sta!eholders build a Ejust&
enlightened& healthy& democratic and poverty free Bangladesh2.
'#ss#on
$ustained growth in :small F =edium 4nterprise: sector
ontinuous low cost deposit growth with controlled growth in Retained Assets
orporate Assets to be funded through self1liability mobili-ation. 9rowth in Assets
through $yndications and Investment in faster growing sectors
ontinuous endeavor to increase fee based income
G
6eep our ;ebt harges at '8 to maintain a steady profitable growth
Achieve efficient synergies between the ban!:s Branches& $=4 Unit 0ffices and BRA
field offices for delivery of Remittance and Ban!:s other products and services
=anage various lines of business in a fully controlled environment with no compromise
on service quality
6eep a diverse& far flung team fully motivated and driven towards materiali-ing the
ban!:s vision into reality
Goas
BRA Ban! will be the absolute mar!et leader in the number of
loans given to small and medium si-ed enterprises through out Bangladesh. It will be a
world class organi-ation in terms of service quality and establishing relationships that
help its customers to develop and grow successfully. It will be the Ban! of choice both
for its employees and its customers& the model ban! in this part of the world
2.3 O!"ect#$es
The objective of BRA Ban! .imited is specific and targeted to its vision and to position
itself in the mindset of the people as a ban! with difference. The objective of BRA Ban!
.imited is as follows@
Building a strong customer focus and relationship based on integrity& superior service.
To creating an honest& open and enabling environment
To value and respect people and ma!e decisions based on merit
To strive for profit F sound growth
H
To value the fact that they are the members of the BRA family I committed to the
creation of employment opportunities across Bangladesh.
To wor! as a team to serve the best interest of our owners
To relentless in pursuit of business innovation and improvement
To base recognition and reward on performance
To responsible& trustworthy and law1abiding in all that we do
To mobili-e the savings and channeling it out as loan or advance as the company
approve.
To establish& maintain& carry on& transact and underta!e all !inds of investment and
financial business including underwriting& managing and distributing the issue of stoc!s&
debentures& and other securities.
To finance the international trade both in import and e)port.
To develop the standard of living of the limited income group by
providing onsumer redit.
To finance the industry& trade and commerce in both the conventional way and by
offering customer friendly credit service.
To encourage the new entrepreneurs for investment and thus to develop the countryBs industry
sector and contribute to the economic development.
#%
-. '4 DAI.4 ACTI&ITI5, IN BRAC BAN6 .I'IT5D
I have started my internship program in BRA Ban! .imited from #C
th
of =ay '%%(.
3rom the very beginning IBve started wor!ing in entral 2rocessing enter. I was
introduced to =r. $iddique Bin Jia& /ead of $; F AK2 of BRA Ban! .imited.
I have wor!ed there under the supervision of =r. Raees $iddique& =anager $;. In the
first day I wor!ed there till (@?% pm.
-.1 7ork#ng hours%
I wor!ed there as li!e a permanent employee. 4very one is suppose to be in the office
within G@ 7A am. I have tried to maintain the time line. Though there is a sign out time but
most of the employee wor!ed in office till C.?% pm.
-.2 /#rst (onth%
In the first month I performed the following activities@
##
hec!ing customer database
=andate scanning
hec!ing heque boo!s
2ac!ing D*elcome to BRA Ban! L pac!age
;elivery of D*elcome to BRA Ban! L pac!age
;ata entry for customer database in 3inacle system
-.- ,econd 8 Th#rd (onth%
The last two1month of my internship program was really based on AT= card production
department. In the last two month I performed the following activities@
I3 reating
I3 hec!ing
/andling terms F conditions form
/andling daily request
2reparing database for returned cards
9enerating te)t file for production process
2reparing card status database
;elivery of e)isting clientBs card
ard production
These are the wor!s that I have done in BRA Ban! .imited. In this three months
duration I have tried to learn the total process of ard production department.
#'
,U''AR4
As the name suggests& the ustomer $ervice ;elivery department is responsible for
facilitating all the bac! office process required to deliver quality service to our valued
clients. These include Imaintaining and updating the customer information database& card
and cheque boo! production and delivery& welcome pac! arrangement&shanchay patra
issuance and follow up& clearing cheques through Bangladesh Ban!&etc.
onsumer $ervice ;elivery is the department which tries to to deliver specific support to
business wing on time so that clients can do business with ban! smoothly. The
department is responsible for updating information and provides necessary products li!e
chec! boo! or AT= card right on time. Therefore the specific products are prepared
according to customer needs and provide to different wings of the ban! so that it is
provided to the customer according to needs.
#?
Therefore it is quiet centrali-ed and try to provide service to all the different business
wings with the help of information technology. The networ! is followed to maintain
relationship between wings and so that wor! done in head office can be accessed all
around the ban!. This helps to lower cost and effectively and efficiently help to provide
services to business wings so that it is delivered smoothly to customers.

3.1 O!"ect#$e of the ,tudy
The basic objectives of this study are as follows@
To fulfill the partial requirement of BBA program.
To have an e)posure on the ban!ing environment of Bangladesh.
To gain different functions of ban!s.
To have some practical e)perience that will be helpful for my BBA program.
To facilitate the students apply their theoretical !nowledge in practical level
of operation of a ban! as well as find out the differences between theory and
practice
3.2 'ethodoogy of the ,tudy
I went to BRA ban! .imited& /ead 0ffice for my internee. The basic data both primary
and secondary used in the preparation of this report are obtained from@
#7
2ersonal observation of different tas!s.
3ace to face conversation with the ban! officers.
$tudying of different files and boo!s.
Annual report of BRA Ban! .td.
2eriodicals published by Bangladesh Ban!.
3.-.-.#(#tat#on of the ,tudy
0bserving and analy-ing the broad performance of a ban! and one of its branches are not
that easy& particularly in such a short duration li!e ours +0nly three months,. $hortage of
recent data as well as information of different activities of BRA Ban! was a great
problem for me to depict the actual and up1to1date business position of the ban!
=oreover& all the employees were always busy with heavy wor!load.
Therefore& they were not able to e)tend their co1operation properly.
Consu(er ,er$#ce De#$ery 9C,D:
onsumer $ervice ;elivery +$;, is a new concept to the Ban!ing industry where real
time bac! offices functions have been processed within prescribed $02. =r. 6asier
Tami- Amin& 4K2 And 00& has implemented this modern idea to BRA BA56 since
#?th =arch '%%?. In the very beginning a two1member team was formed with young and
e)perienced professional to conduct day1to1day processes timely& accurately and
efficiently. onsumer $ervice ;elivery +$;, handled primarily only learing heques
2rocess.
Today onsumer $ervice ;elivery +$;, consists of ## +4leven,1=ember team&
handling following processes.
Bangladesh Ban! 9eneral hec! learing.
Bangladesh Ban! same ;ay hec! learing.
#A
Account 0pening.
hec! Boo! printing.
*e#come .etter.
Account $tatement 2rinting and ;elivery.
hange of Address and Account =andate.
orporate client $alary.
Treasury Bac! office 3unctions.
Account ;ormant and Reactivation.
;ay close and Upload for all Branches within ;ha!a.
AT= ard production and delivery
;.1 Acce)t#ng De)os#ts
Accepting deposits is one of the most important functions of
commercial ban!s. The deposits are accepted by BRA ban! may be classified in to
;emand ;eposits
Time ;eposits
De(and de)os#ts
;emand deposits are those& which are withdrawn able on demand by using chec!. The
demand deposits accounts are
#. $aving Account
'. urrent Account
T#(e De)os#ts
Time deposits are such deposits& which are not& withdrawn able on demand but can be
drawn after a stipulated time. Ban!s pay higher interest rate against such type of deposit
account. There are many time deposit accounts
#C
1. /#<ed De)os#t Rece#)t Account 9/DR:
2. A!#ra( Account
-. ,hort Ter( De)os#t 9,TD:
3. De)os#t *re(#u( ,che(e 9D*,:
;. *re(#u( Ter( De)os#t
9a: ,a$#ngs Account
$avings ban! account is a demand deposit account. It can be
withdrawn able by using chec!. It is a good means of accumulating the savings from the
large section of the population with lower income. Ban! pays some interest on saving
account. urrently BRA ban! is :paying interest of A.A%8 per annum. The depositor can
deposit sum of amount whenever he wants& with minimum balance restriction. .
Benefits received from saving account
Interest is paid on a daily balance method.
Interest is given for each day for whatever balance is maintained in the account
that day.
Interest paid at C8 per annum on days when the balance is under T6
'%&%%%.
There is no restriction on the number of withdrawals.
There is no restriction on the amount or si-e if a withdrawal.
5o forfeiture rules or hidden cuts.
There is no requirement for notices to be given before ma!ing a withdrawal.
#(
The account holders will receive some other benefits. $uch as@
/e>she is eligible to apply for the personal loan pac!ages and can also open other
additional accounts and fi)ed deposit with the ban!.
/e>she will receive preferential treatment at the time of processing of their loan
applications.
/e>she will receive discounts on remittance commissions.
O)en#ng of ,a$#ngs Account
Any person who is of sound mind including a minor can open a savings account. The
requirement to open an account is as follows@
#. Ban!:s prescribed account 0pening form to be signed by applicant in front of
B=>R=>$=.
'. Two copy of recent passport si-e photograph attested by the
introducer.
?. $pecimen $ignature ard to be signed by the applicant in front of B=>R=>$=.
7. Any of the following Identification document li!e current valid passport& proof of
address& I; card& commissioner certificate etc. In this case ertifier should attest
applicant:s photograph along with signature.
;.29!: Current Account
urrent account is an account where the account holder 1within the funds can ma!e
numerous transactions without any restriction. 5o interest is paid on these deposits.
urrent account is mainly suitable for business transaction. /owever& it can be opened by
any individuals aged #G years and above.
Benef#ts rece#$ed fro( Current Account
There is no restriction on the number of withdrawals.
#G
There is no restriction on the amount or si-e if a withdrawal.
5o forfeiture rules or hidden cuts.
5o requirements for notice to be given before ma!ing a withdrawal.
O)en#ng of Current Account
urrent account is opened by Individual& "oint& partnership 3irm& $ole 2roprietorship&
lub or $ociety& 2ublic or 2rivate .imited ompanies for different purposes. There is
also some difference as to open an account by different concerns.
The )rocedure for #nd#$#dua and =o#nt Account
The following documents duly completed shall be obtained from the customer at the
time of opening of urrent ;eposit Account for Individual and "oint account.
#. Ban!:s prescribed account 0pening form to be signed by applicant in front of
B=>R=>$=.
'. Two copy of recent passport si-e photograph attested by the
introducer.
?. $pecimen $ignature ard to be signed by the applicant in front of B=>R=>$=.
#. Any of the following Identification documents.
5ame of Identification document Issuing Authority
urrent valid passport 2assport office
Kalid driving .icense Bangladesh Road Transport Authority
Koter I; ard 4lection ommissioner
Armed forces I; card 4mployer or Their ;elegate
A Bangladesh employer I; card bearing
the 2hotograph and $ignature of the
applicant
4mployer or their delegate
A certificate form any local government
organs such as Union council chairman&
ward commissioner etc. In this case
certifier should attest applicants
Up chairman or *ard ommissioner.
#H
photograph along with signature
Trade .icense with photograph can be
accepted for individualBs
.ocal 9overnment authority. Up
chairman& 2ourashava hairman or
*ard commissioner.
*rocedure for ,oe *ro)r#etorsh#) Account
The following documents are required for opening a sole proprietorship account@
#. Ban!:s prescribed account 0pening form to be signed by applicant in front of
B=>R=>$=.
'. Two copy of recent passport si-e photograph attested by the introducer.
?. $pecimen $ignature ard to be signed by the applicant in front of B=>R=>$=.
7. opy of valid Trade license issued by local 9overnment authority such as ity
orporation& 2ourashava& Union 2arishod etc.
A. 2ermission from Bangladesh Ban! for Buying /ouse& Indenting or other $pecific
Business. C. TI5 issued by Income Ta) Authority.
(. The personal identity of the 2roprietor of the firm has to be established by any of
the documents as mentioned in individual or "oint ustomer ategory. If the Trade
license carries the 2hoto and signature of the 2roprietor this is not required.
*rocedure for .#(#ted Co()any Account
#. Ban!:s prescribed account opening application form.
'. ertified copy of the =emorandum and Articles of Association of the ompany.
?. ertificate of Incorporation.
7. ertificate of ommencement of Business +for 2ublic .imited ompany only,.
A. 4)tract of Board resolution $anctioning the account opening and signing authority.
C. .ist of the ;irectors with address in form.
'%
(. 2hotograph of the $ignatories.
G. opy of valid Trade .icense.
H. Introducer:s $ignature in the Account 0pening form and at the bac! of the
photograph+s, of account holders+s,.
#%. .ist of names with appointment letter and $pecimen $ignature of the persons
authori-ed to operate the account.
##. The personal Identity of all the directors or beneficial 0wner+s, 2roprietor of the firm
has to e established by any of the documents as mentioned in Individual or "oint
ustomer ategory.
*rocedure for *artnersh#) Account
#. Ban!:s prescribed account 0pening form to be signed by applicant in front of
B=>R=>$=.
'. ertified copy of 2artnership ;eed or agreement.
?. .ist of the 2artners with address.
7. 4)tract or resolution of the partner meeting.
A. opy of valid Trade .icense.
C. 2hotograph of the $ignatories or 2artners.
(. $pecimen $ignature card to be signed by the signatories in front of B=>R=>$=.
G. Introducer:s $ignature in the account opening form and at the bac! of the
photograph+s, of account holder+s,.
H. Identify of all 2artner or ;irectors must be verified in line with the requirement for
personal customers& where a formal partnership agreement e)ists& a mandate from the
partnership authori-ing the opening of an account and conferring authority on those
who will operate it should be obtained.
#%. 4vidence of the Trading address of the business or partnership should be obtained
and a copy of latest report and accounts +audited where applicable,.
##. An e)planation of the nature of the business or partnership should be
'#
ascertained +must not necessarily verified from a 2artnership ;eed, to
ensnare that it has a legitimate purpose.
;.29c: /#<ed De)os#t Rece#)t Account 9/DR:%
3i)ed deposits are time deposit or time liabilities. Ban!s pays higher rates of interest& as
the deposit is not withdrawn able on demand. The 3i)ed ;eposit account is opened for a
fi)ed periodM it may be # month& ? months& C months& # year& ' years and ? years.
;ifferent rates of interest are allowed for different period and also
depend on amount.
O)en#ng of /#<ed De)os#t Rece#)t 9/DR: Account
Before opening a 3i)ed ;eposit receipt +3;R, Account a customer must have an account
with the ban!. Then the customer has to fill up an application form that contains the
following&
Amount in figures
Beneficiary:s name and address
2eriod
Rate of Interest
;ate of Issue
;ate of maturity
Instructions if any
After the submission of the Ban!:s prescribed account opening form dully filled up& the
following wor!s have to be done@
#. $pecimen $ignature ard to be signed by the applicant in front of
B=> R=> $=.
''
'. Two 2assport si-e photograph of the account holder.
?. ;epositing the amount in his account.
7. Ban! will issue 3;R receipt.
'atur#ty Date and 7#thdra>as%
The following points are considered regarding maturity period and withdrawals of 3i)ed
;eposit Receipt +3;R, account@
The 3i)ed ;eposit Receipt will be matured after the specified
period.
If the 3;R is withdrawn before maturity period& interest will be issued.
Interest is calculated par annum basis. Interest rate is (.(A8 to G.A%8.
At the maturity period the account holder should come himself and put his
specimen signature on the bac! of 3i)ed ;eposit Receipt +3;R, account. Then
the ban!er verifies the signature and gives him the amount in cash or as required.
;.29d: A!#ra( Account
BRA Ban! Abiram Account is a special type of 3i)ed ;eposit $cheme& which offers
the fle)ibility and comfort of having a guaranteed monthly return on your investment. An
amount of cash is deposited in Ban! for a
fi)ed period specified in advanced in this deposits. Ban!s pays higher rates of interest& as
the deposit is not withdrawn able on demand. The Abiram account is opened for a fi)ed
period. The period may be one year& two year& and ma)imum of three years. ;ifferent
rates of interest are allowed for different period and it also depend on amount.
O)en#ng of A!#ra( account
Before opening an Abiram Account a customer must have an account with the ban!.
'?
Then the customer has to fill up an application form that contains the following&
Amount in figures
Beneficiary:s name and address
2eriod
Rate of Interest
;ate of Issue
;ate of maturity
Instructions if any
'atur#ty Date and 7#thdra>a of A!#ra(
The following points are considered regarding maturity period and withdrawal of Abiram
Account@
The Abiram Account will be matured after the specified period.
If the Abiram account is withdrawn before the maturity period& interest will be
issued at the prevailing $avings Account rate.
Interest is calculated on a monthly basis. Interest rate is G8 to G.A8 depending on
amount and time. .
At the maturity period the account holder should come himself and put his
specimen signature on the bac! of Abiram account receipt. Then the ban!er
verifies the signature and retains the Abiram Account receipt and will give him
the amount in cash or as required. Abiram account offers loan facilities up to HA8
of deposit.
;.29e: ,hort Ter( de)os#t 9,TD: Account
In $hort Term ;eposit account& the interest is calculated on daily basis. The interest
offered for $T; is less than that of savings account. Karious big companies&
'7
organi-ations& 9overnment ;epartments etc !eep money in $T; account. 3requent
withdrawal is discouraged and requires no prior notice. The rate of interest for $T;
account is currently A8 per annum and the investment should be minimum one .ac and
above.
In BRA Ban!& usually customers give an instruction to the ban! that their current
account will be debited whenever its deposited amount crosses a certain limit and this
amount will be transferred to the $T; account. $o Ban! follows this instruction by
giving following entries&
ustomersB urrent Account ;ebit
ustomerBs $T; Account redit
;.29f: De)os#t *re(#u( ,che(e 9D*,:%
BRA Ban! introduces the ;eposit 2remium $cheme +;2$,& a truly special savings plan
that allows saving on a monthly basis and getting a handsome amount at maturity. An
amount is deposited in a ban! for a fi)ed period of time. Ban! pays higher interest rate
and there are a range of options for both installment si-e and maturity. =aturity period
may be 7>(>## or #7 years.
In BRA Ban!& usually customers saving account will be debited whenever its deposited
amount crosses a certain limit and this amount will be transferred to the ;2$ account. $o
ban! gives following entry@
ustomerBs $avings Accounts ;ebit
ustomerBs ;2$ account redit
'A
O)en#ng of De)os#t *re(#u( ,che(e 9D*,:%
Before opening a ;eposit 2remium $cheme +;2$, Account a customer must have a
$avings account with the ban!. Then the customer has to fill up an application form that
contains the following&
Amount in figures
Beneficiary:s name and address
2eriod
Rate of Interest
;ate of Issue
;ate of maturity
Instructions if any
'atur#ty Date and 7#thdra>a of De)os#t *re(#u( ,che(e 9D*,:%
The following points are considered regarding maturity period and withdrawal of ;eposit
2remium $cheme +;2$, Account@
The ;2$ Account will be matured after the specified period.
;eposit 2remium $cheme can be en1cash before the maturity period& and interest
will be issued.
Interest rate is G.A8 to H.(A8 depending on amount and time.
At the maturity period the account holder should come himself and put his
specimen signature on the bac! of ;2$ account receipt. Then the ban!er verifies
the signature and will give him the amount in cash or as required. ;eposit
2remium $cheme +;2$, offers loan facilities up to H%8 of deposit.
'C
;.29g: *re(#u( Ter( De)os#t%
BRA Ban! 2remium Term ;eposit is a A year term 3i)ed ;eposit. Unli!e conventional
;eposits& 2remium Term ;eposit provides a guaranteed return. Ban! pays higher interest
rate.
O)en#ng of *re(#u( Ter( De)os#tM
Before opening a 2remium Term ;eposit a customer has to fill up an application form
that contains the following.
Amount in figures
Beneficiary:s name and address
2eriod
Rate of Interest
;ate of Issue
;ate of maturity
'atur#ty Date and 7#thdra>a of *re(#u( Ter( De)os#t%
The following points are considered regarding maturity period and withdrawal of
2remium Term ;eposit@
The 2remium Term ;eposit will be matured after A years fi)ed term.
Interest rate is #( 8 per annum.
Interest Rates of De)os#t Accounts
Types of Account Interest Rate
$avings Ban! Account A.A%8
/#<ed De)os#t Rece#)t 95?ID
# month up to ? months (.(A8
'(
? months up to C months
C months up to # year To
# year up to ' years
' years up to ? years G.A%8
$hort Term deposit +$T;, A8
;.29h: Account O)en#ng *rocess !y Consu(er ,er$#ce
De#$ery 9C,D:
ustomer requests opening of account and after completing the florin& ustomer $ervice
0fficer scrutini-e account opening form and establishes account. Then he enters the
account details in numerical control register. ustomer $ervice 0fficer $ubmits forms
with all documents to 0peration =anager for review. 0peration =anager rechec!s all
documents& signs off and submits to Branch =anager for approval. If in order& Branch
=anager approves the file and return to 0peration manager. =anager 0peration sends
the file to ustomer $ervice 0fficer. $0 then do the photocopy of the form and
segregates $pecimen $ignature ard& !eeps one in $ignature cabinet sends another with
photocopy of the account opening form to onsumer $ervice ;elivery +$;,. $0
enters all account opening form and specimen signature cards in a log sheet in triplicate
daily basis and hands over to 0peration =anger !eeping the log and if satisfied send the
account opening form to entral 2rocessing enter to inputs data in =illennium
Ban!ing system +=B$, lient ;atabase and $canning of the $ignature ards. onsumer
$ervice ;elivery +$;, receives the account opening form and signature cards and sign
of in the duplicate copy of the log sheet and sends bac! to branch. ustomer $ervice
0fficer files the received copy.
O!ser$at#on%
'G
/owever& it has been observed that all the procedure regarding opening an account& a
great deal or personal judgment is required by the ban!er to verify the customer. 4)tra
care should be ta!en in case of 2ublic and 2rivate limited companies regarding the
documents. The ban!er customer relationship is the ultimate !ey to success& so the
customer should be chosen appropriately.
;.- ,hanchay *atra
BRA Ban! sells two types of $hanchay 2atra on behalf of the 9overnment. The sales
statement of $hanchay 2atra must be sent to Bangladesh Ban! within (' hours of sale&
otherwise the ban! has to pay penalty to Bangladesh ban!. BRA Ban! gets commission
of the total sales.
,hanchay *atra Issuance and 5ncash(ent !y Consu(er ,er$#ce De#$ery 9C,D:@
Type of $hanchay 2atra Interest Rates
? years $hailchay 2atra #%8
A years $hanchay 2atra #%.A
'H
Branch ustomer $ervice 0fficer receives the application form for issuance of $hanchay
2atra and a letter of ;ebit authority along with declaration form. And for 4ncashment of
$hanchay 2atra ustomer $ervice 0fficer receive oupons along with encashment
request form and a photocopy of Registration slip. In both the cases receive stamp will be
used& receiver will put initials& and client:s signature must be verified by the receiver. At
the day end the $hanchay 2atra Issuance or 4ncashment details must be logged in the
3orm T and forward to onsumer $ervice ;elivery +$;,. After receiving the instruction
and instrument& $; will then transaction. 3or issuance& $hanchay 2atra will be issued
respective branch with in ?C wor!ing hours. And for Respective account will be credited
with in '7 wor!ing hours.
;.3 Che@ue Book *r#nt#ng
ustomer is issued heque boo!s to operate different types of account such as $avings
account& urrent account etc. The customer is issued new heque boo!s whenever the
old one is used in full. The following procedures are maintained for issuing a heque
boo!.
The customer can avail the new heque boo! on his own.
The customer will submit heque requisition slip with his signature on it.
The leaves of the new heque boo! have to be counted to chec! that all the
leaves are intact.
The name and the account number of the customer shall be entered in the
heque boo! register.
The name and the account number of the customer shall be entered on all the
leaves of the heque boo!s.
The name& the account number and types of account of the customer shall be
entered on the requisition slip.
?%
;.39a: *rocess of Che@ue Book *r#nt#ng%
ustomer fills in heque boo! request slip and ustomer $ervice 0fficer varies
authenticity. ustomer $ervice 0fficer prepares a log of all requests in duplicate. $0
hands over the request slips to heque Boo! issuer with the log. ustomer $ervice
0fficer receives and signs on the duplicate copy of log and send bac! to other ustomer
$ervice 0fficer. Then he>she issues heque boo!s in =B$ as requested and send it to
0peration =anager. 0peration =anager chec!s and sends the request to onsumer
$ervice ;elivery +$;, to print the heque boo!s. Incase of new heque boo! ustomer
$ervice 0fficer only issue the heque leaf. After printing the heque boo!s onsumer
$ervice ;elivery +$;, send the heque boo!s to branch. 0peration =anager received
the heque boo! and sign off in duplicate request paper& which is send by onsumer
$ervice ;elivery +$;, and then send bac! it to $;. 0peration =anager hands over the
heque boo! to front office ustomer service along with the request. 3ront office
ustomer $ervice 0fficer !eeps the heque boo!s in heque boo! bo) after entry in the
heque boo! register.
;.39!: R#sk of Che@ue Book *r#nt#ng%
onsumer $ervice ;elivery +$;, ta!es all the necessary steps to prevent mista!es of
heque boo!s printing but still there are some ris!s of heque boo!s printing. These are@
ustomer request is not made properly.
Issuer may issue wrong account number.
The issuer may issue wrong number of heque leaf.
Authori-e person of entral 2rocessing center who print the
heque boo!& he>she may print the wrong account number or wrong heque
leaf.
;.39c: R#sk of Che@ue Book In$entory%
?#
There are some ris!s of heque Boo!s inventory. These are
2roper request may not be placed.
/ead office may send more or less number of leaves.
0n the way heque leaves may lost.
ustodians may supply more or less bundle of heque leaves..
;.; Cear#ng of Che@ue%
BRA Ban! is a scheduled ban!. According to the Article ?(+', of the Bangladesh ban!
0rder& #H('& the ban!s that are members of the learing /ouse are called as E$cheduled
Ban!sE. The scheduled ban!s clear the heques drawn upon one another through the
learing /ouse. This is an arrangement by the entral ban! where everyday the
representatives of the member ban!s gather to clear the heques. The place where the
ban!s meet and settle their dues is called the Elearing /ouseE. The learing /ouse sits
for two times in a wor!ing day.
;.;9a: *rocess of Out>ard Cear#ng Che@ues%
ash and lient $ervice 0fficer will receive 0ther Ban! heques over the counter.
;uring deposit teller chec! the following things@
*hether the particulars ban! and branch name have been written in the deposit
slip correctly or not.
Teller chec! date and amount of heque written in the deposit slip.
Teller verifies the customers account number and name in the 3inacle.
After chec!ing the above things& ash and lient service 0fficer receives the heques
and returns the customer:s copy of the deposit slip. Then teller enter the details of the
?'
beneficiary in the 3inacle and at the day end sends all the clearing heques to onsumer
$ervice ;elivery +$;, with a deposit slip and calculator tape of heque amounts and a
form T filled up with the figure and number of heques +branch wise,. onsumer $ervice
;elivery +$;, receives the heques and put entries in 5I6A$/ for sending to entral
Ban! for the ne)t day learing /ouse. After input in 5I6A$/& an authori-ed person of
onsumer $ervice ;elivery +$;, put necessary clearing stamp and endorsement are
given in the heques. After posting of all heques schedules are printed and stapled with
the respective heques and copy of 5I6A$/ data are ta!en in floppy dis!. All the
heques and deposit slips are !ept in clearing bo) under safe custody. The@ ne)t day the
heques with schedule and dis!ette are sent to entral Ban! learing /ouse. In the
afternoon all passed heques are cleared in =B$ and funds are then available in
respective accounts. The return heques are entered in return register and !ept in the
clearing bo). The return heques are either lodged again as per instruction or send bac!
to customer with the return memo through respective branches showing a cause.
R#sk of Out>ard Cear#ng Che@ues%
onsumer $ervice ;elivery +$;, does all the necessary processing
and steps but there are some ris!s of outward clearing heques. These
are
#. The heques may be post dated or stale.
'. Amount in wards and in figure may be different.
?. 0ver writing in the heques.
7. heques number may be wrong.
A. *rong amount may lead to day end imbalance in clearing.
C. 3or wrong account number the amount cannot be credited in the customer account.
(. Information entered in the =illennium Ban!ing $ystem may be missed out and
thus the amount will not be credited in the account.
G. The heques may be lost on the way.
??
H. The money of the heque can be withdrawn through other Ban! by fraudulent
activity.
I%.heques may be place with wrong endorsement.
##. learing stamp with wrong date.
#'. The dis!ette may be bad or not copied correctly and thus all heques cannot be
lodge in learing /ouse and not returned in =B$. And thus account is credited for which
the heque is not cleared& ban! may incur loss.
O!ser$at#on
/owever& it has been observed that all the procedure regarding outward clearing
heques& the ban!er should ta!e preventive measure. /e>she must chec! account number
and name in =illennium Ban!ing $ystem +=B$, before customer leaves the counter.
$pecial crossing should be put immediate after the receipt of heque. The ban!er should
enter every heque in the =B$ soon after writing the account number of beneficiary on
the bac! of the heque and put initials as proof of entering. If possible& photocopy of all
heques should be retained at branch before sending. Total number of heques should be
counted and be tallied with the calculator tape. The heques should be chec!ed whether
there are correct stamps in place when they are stapled with schedule. In case of renewed
heques supervisor should chec! the entry in the register and he
should put initial in register. In case of hand delivery customer should
sign in the return register and that should verified before the heque is delivered to
customer.
;.;9!: *rocess of In>ard Cear#ng Che@ues%
learing man receives heques drawn on BRA Ban! .td. at entral ban! learing
/ouse. Tally the total amount in each ban! schedule by ta!ing calculator tape. Bring the
heques to onsumer $ervice ;elivery +$;, and chec! the apparent tenor of the
heques. Then the heques are posted in =illennium Ban!ing $ystem +=B$, and pass
the heques by verifying signature. If the heques cannot be honored due to any reason
the matter should be ta!en to the notice of the =anager of onsumer $ervice ;elivery
?7
+$;,. If any heques are returned& that should be returned in 5l6A$/ with specific
reason. Return heques are entered in heque return register with the reason of return.
The manager of $; signs the return memo and put initials in the return register.
5l6A$/ entries are copied in dis!ette and the return heques with schedule and the
dis!ette are sent to return clearing /ouse. 5ecessary entries for passed heques and
return heques are passed in =B$ to the respective 9. /eads including inter branch
postings. All the passed heques accounting vouchers are sent to accounts department
after clearing balancing.
R#sk of In>ard cear#ng Che@ues%
onsumer $ervice ;elivery +$;, does all the necessary processing and steps but there
are some ris!s of Inward clearing heques. These are
#. The amount of total heques may differ from the schedule& which will create
imbalance in clearing as well as Ban! account with entral ban! may be
transacted for wrong Amount.
'. *rong drawn heques may be paid for which ban! may face severe audit
comment and even financial loss.
?. *rong amount may be posted results day end imbalance and chance of forgery.
7. ;ishonored heques reason identified may not be correct
insufficient fund& but the customer has other arrangement li!e
overdraft limit or a collection heque pending etc.
A. *rong entry may be given with wrong reason.
C. ;is!ettes may have bad sector resulting no copy.
O!ser$at#on%
It has been observed that the ban!er should ta!e all the procedure regarding inward
clearing heques e)tra care. The amount of each heque must be tallied with the
?A
schedule. If not the matter should be notified to the respective ban! representative
immediately in the learing /ouse. $pecial care should be ta!en in passing clearing
heques as because a large number of heques are passed in a very specific short time
span.
Amount should be entered correctly and drawer signature should be matched and due
diligence should be applied to pass the heques. =anager should chec! all possible area
before ta!ing final decision and he should chec! the register properly whether correct
entry is given or not. ;is!ette must be formatted before copying.
;.A Treasury /unct#ons !y Consu(er ,er$#ce De#$ery 9C,D:%
BRA Ban! has a strong presence in the Treasury mar!et in Bangladesh. 3rom '7th
April '%%7& Bangladesh Ban! heque or ;rafts Issuance process and some Treasury
0peration functions are centrali-ed in onsumer $ervice ;elivery +$;,.
Bangadesh Bank 9BB: Che@ues+Drafts Issuance%
Three $ignatories have been assigned to head office onsumer $ervice ;elivery +$;,&
ustomer $ervice =anager and alternate branch manager. entral 2rocessing enter will
!eep the Bangladesh Ban! heques. ;rafts in its possession during transaction. In
absence or leave situation of head of $;& ustomer $ervice =anager will officiate his
responsibility. After transaction hour heque or drafts will be !ept in the. Kault under
dual custody. Transaction hour implies entral Ban! prescribed hour. entral cash
ontrol +9, or other ;ivisionN ;epartment will send their fund requisition +in
prescribed format, against Bangladesh Ban! heques or ;rafts to Treasury. 0nly after
ac!nowledgement from Treasury front office& Treasury operations will send request to
$; to issue the heques or ;rafts. All Bangladesh Ban! heques or ;rafts will be
issue by $; only after the advice from =anager Treasury 0perationBs or ;esignee
through .otus notes. Treasury 0perations will provide Bangladesh Ban! heques or
drafts to $;. ustodian of Bangladesh Ban! heques or ;rafts will send a request to
?C
Treasury 0perations for new heques or ;rafts prior to e)isting heques or drafts. All
heques or ;rafts must be crossed. heques or ;rafts for cash withdrawal& the
authori-ed $ignatories will cancel crossing and the $ignatories at the Ban! end of the
heques or ;raft will attest authori-ed personBs signature. A register will be maintained
to !eep the records of the heques or ;rafts issuance detail. At the day end& head of
onsumer $ervice ;elivery +$;, or designee will tally the counterfoils with register
and put his signature. 2hotocopy of all issued heques or drafts will be retained in a file.
3or the cancellation of a heques or ;rafts two authori-ed $ignatories will put signature
and mar!ed EancelledE on the heques or drafts and !ept that heques or ;rafts with
the counterfoil& retain it in a safe custody for audit trail. After e)haustion of heques or
;rafts boo!& $; will send that counterfoil of heques or ;rafts boo! to Treasury
operations. 3und requisition from $=4 or any urgent Bangladesh Ban! heque
requisition from /ead 0ffice will be issued by Treasury 0perations.
Bangadesh Bank 9BB: Che@ues +Drafts De)os#t%
onsumer $ervice ;elivery +$;, will receive Bangladesh Ban! +BB, heques or ;rafts
from other ommercial Ban!s. Bangladesh Ban! +BB, heques or ;rafts from clients
will send to 2 before ' 2.= +$aturday1*ednesday, and #' noon +Thursday, sharp.
Bangladesh Ban! +BB, heques or ;rafts receiving ;ivision> ;epartment should inform
Treasury prior to deposit thru .otus notes. A register will be maintained to !eep record of
the receiving heques or ;rafts details. At the end of the day& head of
onsumer $ervice ;elivery +$;, or ;esignee will tally deposit slips
with the register and put his signature. Bangladesh Ban! heques or ;rafts received after
cut of time will be deposited in ne)t wor!ing day and over night heques or ;rafts will
be !ept in Kault or fireproof cabinet under dual custody. ounterfoil of Bangladesh ban!
heques or ;rafts deposit slip will !eep in a file sequentially.
Centra#0at#on of Treasury /unct#ons%
Bangladesh Ban! heques or ;rafts issued under Treasury function will be delivered to
?(
ounter 2arties from onsumer $ervice ;elivery +$;,. Bangladesh ban! heques or
;rafts issued by the ounter 2arty will be received by $; accumulate other ban!s
heques or ;rafts upto' 2.= +$aturday1 *ednesday, and #' noon HThursday, and send
those to Bangladesh Ban! for deposit. =anager Treasury 0perations or ;esignee will
send request to $; for the issuance of all =oney Receipt& fi)ed ;eposit receipt&
Bangladesh Ban! Reports& other correspondences. Under advice from treasury
0perations& authori-ed persons from $; will sign on the document jointly and deliver it
to ounter 2arty. Treasury 0perations will pass necessary accounting entries on the
above transaction on account of Bangladesh Ban!.
;.B *rocess of 7eco(e .etterC Account ,tate(ent and Account dor(ant and
react#$at#on !y C,D%
onsumer $ervice ;elivery +$;, of the Ban! in addition performs the following
functions as enumerated below@
#. Issues congratulatory letters i.e. welcome letter to the new
account holders by post.
'. 2repares centrally all monthly& quarterly account statements and dispatches it to
individual customer.
?. $ome *elcome letters of new account holders are returned undelivered due to
improper address. $uch accounts are !ept inoperative.
/owever these accounts are reactivated on receipt of requests
from the customers.
AT' CARD *RODUCTION
This is new department that is introduced in the service portfolio of BRA Ban! .imited.
It started its journey from #A
th
April '%%A. Through this service the clients are enjoying
modern technology in withdrawing their money. It represents the development of ban!ing
sector in our country. BRA Ban! is offering this service to most of its client as early as
?G
possible. A well1trained wor! force is giving their level best effort to serve efficiently.
There are different steps to complete the process of card production. Among the local
ban! BRA Ban! is the only one ban! that is producing AT= card in their premises.
$ecurity 2vt. .imited +$ingapore, is providing blan! AT= card to BRA Ban!. There is
a card embossing machine that can produce around #'%% cards per day. AT= card
division is producing around (%% cards in different segment each day.
A.1 /unct#on of AT' Card D#$#s#on%
2roduction of AT= ards
=aintaining the stoc! of AT= ards
6eeping records of produced cards
Reproducing .ost> stolen AT= ards
;istribution of AT= ards
=aintaining All database related to ard production F distribution
harging against issued cards
Resending returned cards
=aintaining the vault registrar
oordination with IT in issuing 2in
ustomer service through handling inquiry of the clients
Updating the request of address change into access system
=aintaining reject cards till internal audit
$orting out discrepant request branch wise and send bac!.
6.2 Type of embossed cards:
There are different types of cards that are produced according to the managementBs
decision. The card division is producing cards only for savings and current accounts
+Both individual F "oint A>,. AT= card division embossed 7 types of ards such as@
?H
4)isting lientBs card in their name
$taff ard in their salary A>
D*elcome to BRA Ban!L card
D4-ee AccountL cards.
5<#st#ng C#entDs card@ These cards are produced in customer name. The 2erson who
has previous A> with the ban! receives this card. AT= card division gets a list of
e)isting client from IT ;epartment. According to that they produce card. Another way
they receive request from different branches for which they produce card. 3or the first
card the ban! charge the client only ta!a #('.A% +Including #A8 KAT,. But for
replacement they charge them ta!a ?7A+Including #A8 KAT, .
,taff card #n the#r saary A+C% These cards are produce only for those people who have
salary account in BRA Ban!. These people are the staff of either BRA Ban! .imited
or any concern institute of BRA. 3or these cards the ban! does not cut any charges
E7eco(e to BRAC BankF cards% These cards are produced with the title embossed
D*elcome to BRA Ban!L. These cards are produced for a new pac!age named
D*elcome to BRA Ban!F. ustomer gets an n AT= card in every
pac!. harges are as li!e as it is for e)isting client. ustomer gets one
hequeboo! with every pac!age
E50ee AccountF cards% These cards are produced with the title embossed D4-ee
AccountL. These cards are produced for a new pac!age named D4-ee AccountF. In all
7%
E4-ee AccountL ustomer gets an n AT= card in every pac!. harges are as li!e as it is
for e)isting client. ustomer does not get any hequeboo! with this pac!age.
A.- The )rocess of card )roduct#on%
Receiving request form> client list from branches>IT
hec!ing the request that received
2rinting customer information +3or daily request,
onfirming AT= F 20$ 4nable
9enerating te)t file for production in to the system
Importing ;ata>te)t files into Access card production system
2reparing ard pre1production report
2roducing AT= cards in different segment
9enerating card production report
Importing production report into database
2rinting card holder
2reparing the cards for dispatch
2reparing dispatch database and voucher
;elivering cards to the courier service
harging for AT= cards
In case of replacementM cloning the card and producing a
new one.
All these process are done automatically e)cept delivery so there is very low ris! in the
total process.
A.3 *roduct#on *rocess%
Rece#$#ng re@uest for(+ c#ent #st fro( !ranches+IT%
7#
3irstly the department gets a list from IT and>or request form the branches in daily basis.
Then they sort out these requests according to their branch.
Check#ng the re@uest that rece#$ed%
In this stage they chec! the whole request form or list and separate appropriate forms for
ne)t stage.
*r#nt#ng custo(er #nfor(at#on 9/or da#y re@uest:%
In this stage they print customer information for each and every request form. They cross
chec! the form with the printed information. They also segment joint a>c& salary a>c and
replacement request
Conf#r(#ng AT'%

Importing ;ata>te)t files into Access card production system@ After successful generation
of te)t file they import them into access software to produce card.
*re)ar#ng Card )reG)roduct#on re)ort%
After importing the data the system get prepared for card production. But to be confirm
about successful production they print a card pre1production report. The report
contains 2A5 5umber& a>c number& a>c title and address of the customer. They
attached this with the request.
*roduc#ng AT' cards #n d#fferent seg(ent%
7'
In this stage the data are ready for emboss. They give command in the system for
production. In one batch the machine can produce #%% cards. After one batch they
produce another batch. This the most important part of the production process. ;ue to
technical fault of the machine many cards can come out faulty. $o during this process one
person always !eep attention to the machine
Conf#r(#ng AT' 8 *O, 5na!e%
After chec!ing they confirm whether AT= F 20$ facilities are enabled for the a>c or
not. If necessary they confirm AT= F 20$ 4nable.
Generat#ng te<t f#e for )roduct#on #n to the syste(%
After confirming AT= F 20$ enable they generate te)t file in =B$ +=illennium
Ban!ing $ystem, and save it to BB./< server. It is one of the important stages of card
production system. Because if one entry is miss generated it canBt be generated in future.
$o they cross chec! the te)t file different time to avoid this situation.
I()ort#ng Data+te<t f#es #nto Access card )roduct#on syste(%
After successful generation of te)t file they import them into access software to product
card.
*re)ar#ng Card )reG)roduct#on re)ort%
After importing the data the system get prepared for card production. But to be confirm
about successful production they print a card pre1production report. The report
contains 2A5 5umber& a>c number& a>c title and address of the customer. They
attached this with the request.
7?
*roduc#ng AT' cards #n d#fferent seg(ent%
In this stage the data are ready for emboss. They give command in the system for
production. In one batch the machine can produce #%% cards. After one batch they
produce another batch. This the most important part of the production process. ;ue
to technical fault of the machine many cards can come out faulty. $o during this
process one person always !eep attention to the machine.
D#fferent *#cture of CARD *roduct#on )rocess%
I()ort#ng Data+te<t f#es #nto Access card )roduct#on syste(%
After successful generation of te)t file they import them into access software to produce
card.
*re)ar#ng Card )reG)roduct#on re)ort%
After importing the data the system get prepared for card production. But to be confirm
about successful production they print a card pre1production report. The report
contains 2A5 5umber& a>c number& a>c title and address of the customer. They
attached this with the request.
Producing ATM cards in different segment:
In this stage the data are ready for emboss. They give command in the system for
production. In one batch the machine can produce #%% cards. After one batch they
produce another batch. This the most important part of the production process. ;ue
to technical fault of the machine many cards can come out faulty.
$o during this process one person always !eep attention to the
machine.
Generat#ng card )roduct#on re)ort%
In this stage they generate a card production report& which contains 2A5 number& a>c
number& a>c title. This stage completes the total process.
77
A.; De#$ery )rocedure #()ort#ng )roduct#on re)ort #nto data!ase%
This is the first step of delivery process. In this step they import the production report
into database. *r#nt#ng card carr#er etter%
After preparing database they print card carrier letter in which the address of the client
has been printed.
*re)ar#ng the cards for d#s)atch%
Then cards are prepared for dispatch. All necessary documents are put inside of a
window envelope and arrange them sequentially.
*re)ar#ng d#s)atch data!ase and $oucher%
After having proper record they the prepared a dispatch database which !eeps the record
of the card given to courier service. 0ne voucher is given to the courier to trac! the
documents accordingly.
De#$ery%
This is the final step of delivery process. In this stage cards are handed over to the courier
service for delivery. All the cards are delivered to the address of the client. 0nly staffs
cards are send to the 9ulshan branch. $ome times they deliver the cards to respective
branch as per clientBs request.
This is all about the production and delivery process of AT= card division.
DRA7BAC6, O/ CON,U'5R ,5R&IC5 D5.I&5R4 9C,D:
7A
4very wor! has some drawbac!s. *hile wor!ing in onsumer $ervice ;elivery +$;, I
have noticed some of their drawbac!s. The fields in which they have lac!ing are as
follows@
5eed professional data entry operator
$!illed human resource in every department
Inadequate wor! force
.ac! of proper coordination among different departments
Inadequate facilities of 3inacle
onservative =anagement
Unauthori-ed use of different I; in system
.ac! of motivation and training program
Absence of proper guideline> planning of respective job
5o structured reconciliation process
.imited !nowledge about 2 and related software
;uplication of wor! li!eM hec!ing and over documentation
.ess secured than the department should be
.ess structured than other departments
7C
R5CO''5NDATION
As I have gone through all the departments under Consu(er ,er$#ce De#$ery 9C,D:. I
have come up with some points& which can improve the efficiency as well as
quality of the wor!. The points are as below@
$etting proper planning for each and every wor! as well as for the whole
department.
;esigning jobs on priority basis
Assigning necessary manpower for every job
2roper maintenance of files and necessary files and documents on daily basis
2roper managerial observation and cooperation
$eparating ard department and concern operations
Avoiding duplication Through accuracy and efficiency
;eveloping motivational program and training program
4nsure that every one wor!ing in =B$ !nows it properly and giving them
personal I;
2roper coordination with Branches and IT ;epartment
And most of all change of managerial attitude and view point
7(
CONC.U,ION
I was authori-ed to prepare a report on central function of BRA Ban! .td. for partial
fulfillment of my course requirement. I went to BRA ban! .imited& /ead 0ffice& where
I wor!ed as an intern from #C
th
=ay to #C
th
Aug '%%(. This report has been prepared
based on my practical e)perience on the day1to1day ban!ing activities. It was a great
e)perience for me to have e)posure in the practical field. As a new ban! it has a long way
to go. There is huge pressure of wor! in BRA Ban! .imited but the coordination that I
get from some officials was very helpful for me.
Though having some drawbac!s the ban!Bs overall performance is satisfactory. I wish a
prosperous future for the ban!.
7G
B#!#ogra)hy
#.Boo!s& 2ublications and "ournals of BRA Ban! .imited
'.Kaluable discussion of supervisors during the period of internship.
?.2rospectus 0f BRA Ban! .imited published in $eptember '%%C.
7.Bangladesh Ban! related websites
A.=ar!eting =anagement& 2hilip 6otler& The millennium 4dition
C.Rose& 2eter $. ommercial Ban! =anagement& International 4dition #HHH& Irwin
=c9raw1/ill
(./emple& 9eorge /. Ban! =anagement& 'nd edition& #HGC& "ohn *iley F $ons.
7H