The bank's risk management covers a wide spectrum of risk issues, but the five core areas of banking are - Credit risk, Currency risk, Internal control and Compliance risk, Money laundering risk and asset liability management. The main purpose of risk management is to secure the bank's capital, financial resources, profitability and market reputation. The bank has also developed an internal control and compliance policy which has been approved by the board.
It manages its assets/liabilities to ensure sustainable profitability so that the bank can. MTB sincerely recognizes the importance of qualified human resources for the overall growth of the bank. The bank particularly emphasizes the need for employee training for their professional development.
General Banking Service
- General Banking
- Mutual Trust Bank Limited
- Account Opening of MTBL
- Types of Accounts: General Products are
- Fixed Deposits
- Before opening a Fixed Deposit Account, a customer has to fill up an application form which contains the followings
- Then a FDR account is opened and it is recorded in the FDR Register which contains the following information, -
- Customized Products are
- MTB Triple Saver Plan
- MTB Unique Savings Plan
- Checklist of Documents to be obtained for various types of ACCOUNTS
- Interest Posting to Client’s account
- Account Closing
- Different procedures are followed in cash of different types of A/C to close
Collateral security is minimal and interest rates are among the lowest on the market. Processing means collecting the Checkbook from the VOLT and entering the account number in the check. 22 book, record the check book serial number on the application form and check book register and then the verified signature of the customer.
Another account will be closed on the advice of the parties, if they want to close any one of the account, customers must submit an air conditioning closure letter through des pass.
Overview and Activities
Closing process for current & savings A/C
Is this situation initially, the air conditioning becomes dormant and is finally shut down by the bank.
Remittance
After examination and approval of the instrument by the authority, it is delivered to the customer.
Demand Draft Issue/Collection
IBC/OBC
Bangladesh Bank Circulation about OBC
MTBL Dilkusha Branch offers locker service with the aim of protecting customers' valuables. The person or organization having an account at a bank branch can enjoy this service. They did not guide me as an internee; as a training officer of MTBL, they guide me in acquiring practical knowledge about banking.
CASH
SEVERAL TYPES OF DEPOSIT SLIP
After paying these types of payment slips, the valued customer waits for the deposit slip book outside the counter. The cashier deposits the money into his account through computer software, while the depositor's account is credited, then the cashier stamps the deposit slip and returns it to the customer.
RECEIVING CASH
30 The cash department of MTBL deals with all types of negotiable instruments, cash and other instruments and is considered as a sensitive part of the bank. If the cash stock exceeds this limit, the excess cash is then transferred to the main branch. When the cash is brought from MTBL main branch. Transfer, Clearing, Clearing House Process, Types, Clearing Check.
TRANSFER
CLEARING
INWARD CHEQUES
OUTWARD CHEQUES
RECOGNIZED BANK’S AS THE MEMBER OF BANGLADESH BANK CLEARING HOUSE WITH THEIR CLEARINGHOUSE CODE
TRANSFER
Every bank has an officer of clearing house who works with Bangladesh Bank clearing house. Cleaning officer checks all the checks and deposit slip very carefully and then he receives the check. After that, the clearing officer posts all the checks in computer software, which is recognized by the Bangladesh bank's computer department.
The clearing officer then pre-seals all checks, after which the officer endorses all checks and signs all checks. All checks are placed in the computer per branch, after which the officer prints the entire document and staples all checks per branch. This is called the clearinghouse schedule. It is a very difficult job to staple all the checks, because the amount of checks is sometimes enormous, there can be as many as 250 to 400. This is a very important job because each check must be stapled very carefully, it means the amount of the check and the number of printing leaves and the check branch must be the same.
If the checks are stapled in the wrong direction, the check can be returned from another bank, that's why MTBL is unable to credit a party account. 35 Then the clearinghouse officer copies the entire document on two diskettes as per Bangladesh Bank requirement. When the clearing officers enter the clearinghouse, his first job is to deliver the diskettes to the Bangladesh Bank computer department.
All the procedure clearing responsible goes to Bangladesh Bank clearing office before 10 AM. The clearing officer checks all the checks of the bank and deposited all the checks in the bank, like this another bank deposited their checks at the MTBL desk.
Foreign trade
All types of household durables like television, refrigerators, computers, air conditioners, video cameras, washer/dryers and furniture are allowed under this scheme. With the aim of extending financial support to small businessmen, this loan scheme has been introduced. It is designed to get business loans on easy terms and without any hassle.
The home loan scheme has been introduced to facilitate people to fulfill their dream of owning a home. It is designed to help people get home loans with easy terms and without any hassle. The loan must be repaid in equal monthly installments including interest within the period ranging from 5 years to 15 years depending on the size of the loan.
The home repair/renovation loan scheme is designed to help home/building/apartment owners to mitigate their financial need for home repair/renovation. Only bona fide residential house owners will be eligible to avail the loan facilities to repair or renovate their house/building/flats as per their needs. The loan will be repaid in equal monthly installments including interest within a maximum of 60 months.
The Car Loan Program is designed to help realize your long-cherished dream of owning your own car. The purpose of our correspondent banking activities is to strengthen our existing relationships with foreign banks and financial institutions around the world and to explore new relationships.
BANK AUSTRIA CREDITANSTALT (HVB Group)
In addition, we provide assistance in the marketing of the correspondent banks' products. In the balance sheet, for example, the assets as well as the liabilities and equity are each expressed as 100%, and each item in these categories is expressed as a percentage of the respective totals. In the general size income statement, revenue is expressed as 100%, and each item in the income statement is expressed as a percentage of revenue (sales).
The analyst can also observe the trend of the increase in the assets and liabilities over several years. It can be observed that there is an increase in the holding of the operating assets of the company. For example, a common size profit and loss statement compares all components of the P & L with total operating income.
Vertical analysis can also be performed on these common size percentages to identify trends in the relative size of categories such as costs, expenses, or margins. In the year 2006, MTBL has relatively higher expenses but marginally lower percentage which was not a good signal for the bank. Such percentages are calculated by selecting a base year and assigning a weight of 100 to the amount of each item in the base year statement.
The amounts for similar items or groups of items in previous or subsequent financial statements are then expressed as a percentage of the base year amount. Ratio Analysis enables the business owner/manager to spot trends in a business and compare its performance and condition to the average performance of similar businesses in the same industry.
Findings, Recommendation & Conclusion
- Liquidity ratio
- Debt management ratios
- Profitability ratios
- Market value ratios
- Dividend Policy Ratios
This ratio indicates the extent to which current liabilities are covered by assets that are expected to be converted into cash in the near future. There was a minimal decline in 2006. The reason for this stability may be that there is no notable investment in assets and no major outside financing. This ratio indicates how much debt the company has by comparing what it owes and what it owns.
The ratio of the company's equity to long-term debt provides insight into how strong its finances are. This ratio measures the extent to which operating income can decline before the company is unable to cover its annual interest costs. From this ratio analysis, we can see that this company covered its interest expense eleven times in 2006, and fourteen times in 2005.
This ratio is most useful when compared to the interest paid on the company's debt. The market value ratio relates the company's stock price to earnings and book value per share. A stock's price-to-earnings ratio (P/E) is a measure of the price paid for a stock relative to the revenue or profit the company earns per share.
The main reason for the decline in the P/E ratio is the decline in the price per share. It shows how much a firm earns in dividends per share to give to its shareholders.
Concluding Remarks
MTBL is considered to be a very reliable bank and the growing number of customers indicates its increasing acceptance among customers. Since MTBL was able to increase the total number of account holders quickly, it now needs to focus on the level of customer satisfaction. This is extremely important if MTBL is to avoid losing customers to the many competing banks.
It is true that last year's yield declined, but it is still quite satisfactory. One thing that is definitely worth mentioning is that all customers were very satisfied with the attitude and product presentation and sales skills of all MTBL officials. Since selling requires a lot of interpersonal skills, customer feedback shows that MTBL is competitive in convincing customers.
Rosenbaum, (2006) "Educational outcomes of work-market linking and job placement for students at public and private 2-year colleges", Economics of Education Review, Volume 25, Issue 4, , pp.412-429 Baines, T. Beard (2006), “Status of Internship/Cooperative Education Experiences in Accounting Education”, Journal of Accounting Education, Volume 16, Issue 3-4, September 1, pp. 2008)., “Crossing Boundaries: Identifying Sources of Mentor Tension -practice relationships", Teaching and teacher training, vol.
