Department of Business Administration
Sonargaon University (SU)
An Internship Report on
General Banking and Financial Performance of MTBL
Under the Supervisor of
Mr. Abul Kalam
Dean, Faculty of Business Sonargaon University (SU)
Submitted by:
Md. Dulal Uddin ID: BBA1801013077
Semester: Fall, 2021 Major: Finance
Department of Bachelor of Business Administration
Sonargaon University (SU)
Letter of Transmittal
Date: January 07, 2022
Mr. Abul Kalam Dean, Faculty of Business Sonargaon University (SU)
Subject: Submission of Internship Report on General Banking and Financial Performance of MTBL Dear Sir,
With humble honor and respect, I am submitting my internship report on “General Banking and Financial Performance of MTBL”. As per partial accomplishment of the requirements for the BBA degree, this thesis has been carried out under the supervision of you.
This report is an integral part of our academic courses in completion of the BBA program which has given me the opportunity to have an insight into the Case on “General Banking and Financial
Performance of MTBL”. I hope this report reflects on the contemporary issues on the Finance area that are being practiced by organizations in our country.
In completing the report, I tried my best to blend all my knowledge and imparted every available detail and also attempted to avoid unnecessary amplification of the report.
I humbly request you to accept this report for your kind evaluation.
Sincerely,
Md. Dulal Uddin ID: BBA1801013077
Department of Bachelor of Business Administration Sonargaon University (SU)
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Certificate of the Supervisor
The Internship report entitled “General Banking and Financial Performance of MTBL” has been submitted to the Department of Business Administration, in a partial fulfillment of the
requirements for the is the degree of on 07th January 2022 by Md. Dulal Uddin Bearing ID No:
BBA1801013077 who carried out degree of Bachelor of Business Administration, who carried out the research under my supervision. Certified further that to the best of my knowledge the work reported herein does not form part of any other project report.
Dissertation on the basis of which a degree or award was conferred on an earlier occasion on this or any other candidate.
(Any opinion, suggestions made in this report are entirely that of the author of the report. The University does not condone nor reject any of these opinion or suggestions)
Mr. Abul Kalam
Dean, Faculty of Business Sonargaon University (SU)
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Student’s Declaration
I, Md. Dulal Uddin hereby declare that the presented report of Internship entitled hereby declare that the internship report on “General Banking and Financial Performance of MTBL” is uniquely prepared by me after the completion of three months of work experience in MTBL is the original one and has been prepared by myself and has not been submitted anywhere for any degree, diploma, title or recognition.
The report was prepared under the supervision of, Dean, Mr. Abul Kalam Department of Business Administration of Sonargaon University.
Yours Sincerely
Md. Dulal Uddin ID: BBA1801013077
Department of Bachelor of Business Administration Sonargaon University (SU)
iii
Abstract
This project report entitled to “A study on “General Banking and Financial Performance of MTBL”" at Finance. The main objective of the study is to analyze the financial position of the company. It the process of identifying the financial strength and weakness of the firm properly establishing relationship between the item of balance sheet and profit and loss account. The details regarding the history and finance details of the bank were collected through discussion with the company officers.
Secondary data are based on the annual reports of 2019-2020. The various tools used for the study are ratio analysis, fund flow statement and cash flow statement. Charts and table are used for better understanding. Through ratio analysis the company could understand the Profitability, Liquidity, Leverage, Turnover positions of the company.
The bank is following high debt equity and also the bank followed the credit enjoyed from its supplier has also nearly one year period of time. On the other hand, cash turnover also not sufficient to healthy the business. The study recommends to reducing the dept capital and providing security to creditors and to increase the sales to reduce the loss of the bank.
Iv
Table of Contents
Topics Description Page No
Letter of Transmittal i
Certificate of the Supervisor ii
Student’s Declaration iii
Abstract iv
Chapter 1: Preface of the Report 1-6
1.1 Introduction 2
1.2 Literature Review 3
1.3 Origin of the report 3
1.4 Objective of the report 3
1.5 Scope of the study 4
1.6 Methodology 4
1.7 Legal Form 4
1.8 Memberships 4
1.9 Primary data 5
1.10 Secondary data 5
1.11 Benefit of the report 5
1.12 Limitations 5
1.13 MTB Background 5
1.14 Mission 6
1.15 Vision 6
Chapter 2: Theoretical Perspective 7-9
2.1 MTB Branches 8
2.2 MTB Online Banking the Service 8
2.3 MTB Consumer Product & Services 8
2.4 MTB Decision Making & Risk Management 8
2.4 A. Credit Risk Management 9
2.4 B. Foreign Exchange Risk 9
Chapter 3: Internal Control Service 10-13
3.1 Internal Control and Compliance Risk Management 11
3.2. Money Laundering prevention 11
3.3 Asset Management 11
3.4 MTB human resources 12
3.5 MTB five Years at a Glance Figure in Million 12-13
Chapter 4: General Banking Operation
144.1 General Banking 15
4.2 Mutual Trust Bank Limited 15
4.3 Account Opening of MTBL 16
4.4 Types of Accounts: General Products 16
4.5 Before opening a Fixed Deposit Account 17
4.6 FDR account is opened and it is Recorded 17
4.7 MTB Education Plan 18
4.8 Customized Products are 18
4.9 MTB Triple Saver Plan 19
4.10 MTB Unique Savings Plan 19
4.11 Checklist of Documents to be Obtained for various 20
4.12 Interest Posting to Client’s account 21
4.13 Cheque Issuing is Two Types 21
4.14 Account Closing 22
4.15 Different procedures are followed in cash 22
Chapter 5: Overview and Activities 23
5.1 Closing process for current & savings A/C 24
5.2 Remittance: 24
5.3 Demand Draft Issue/Collection 25
5.4 T.T. Issue/Collection 25-26
5.5 Bangladesh Bank Circulation about OBC 27
5.6 SEVERAL TYPES OF DEPOSIT SLIP 28-30
5.7 INWARD CHEQUES 31-33
5.8 TRANSFER 34-42
5.9 Foreign trade Import & Export Business 43
Chapter 6: Findings, Recommendation & Conclusion 44-51
6.1 Liquidity ratio 45
6.2 Debt management ratios 46
6.3 Profitability ratios 47
6.4 Market value ratios 48
6.5 Dividend Policy Ratios 49-52
Chapter 7: Concluding Remarks 53-58
Conclusion 54
References 55-58
