TITLE OF THE REPORT

INTERNSHIP AFFILIATION REPORT ON

“The Strategies of Bank Asia Ltd (Scotia Branch) to increase the number of

customers”

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CHAPTER-01

INTRODUCTION

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1.1 Rationale for selecting the report:

Bank Asia is one of the prominent private commercial bank of Bangladesh. Currently, I am

doing my internship in the Scotia branch of the bank. As a student majoring in marketing it gives

me immense opportunity to learn The Strategies of Bank to increase their customers through the

internship in Bank Asia. For my future career, I would like to establish myself into the

professional sector of banking in Bangladesh. With this frame of mind, this affiliation report

would provide me ample experience and learn the processes banking. It will help me to

understand and materialize the concepts I have learned in my BBA program through practical

knowledge. The selected topic would ensure that I get the required knowledge from Bank Asia to

build my career in banking. It is mandatory to complete a three months internship program in

order to complete the BBA program. After finishing my course work, I was assign to complete

my internship program in Bank Asia. As per the instruction of internship supervisor, I was

devoted to learn the banking operation of Bank Asia. During the tenure of my internship

program, I worked in most of the departments of Bank Asia Ltd. – Scotia Branch. Based on the

learning and practical experience, I have prepared this report. It is also mandatory to submit a

report to the bank.

1.2 Background:

Bank Asia Limited is a scheduled commercial bank in the private sector established under the

Banking Company Act 1991 and incorporated in Bangladesh as a public limited company under

the Companies Act 1994 to carry out banking business in Bangladesh. The Bank Asia Limited

started its operation from November 27, 1999 under the Bank Companies Act 1991. Bangladesh

Bank the Central Bank of Bangladesh issued Banking license on October 31, 1999.

Bank Asia has been launched by a group of successful entrepreneurs with recognized standing in

the society. The management of the Bank consists of a team led by senior bankers with decades

of experience in national and international markets. The senior management team is ably

supported by a group of professionals many of whom have exposure in the international market.

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It set milestone by acquiring the business operations of the Bank of Nova Scotia in Dhaka, first

in the banking history of Bangladesh. It again repeated the performance by acquiring the

Bangladesh operations of Muslim Commercial Bank Ltd. (MCB), a Pakistani bank.

In the year 2003 the Bank again came to the limelight with oversubscription of the Initial Public

Offering of the shares of the Bank, which was a record (55 times) in our capital market's history

and its shares commands respectable premium.

The bank uploads and strictly abides by good corporate governance practices and is subject to

the regulatory supervision of Bangladesh bank. For the year ended as on 31st December 2011.

1.3 Slogan of Bank Asia:

“For a better tomorrow”

“ does not have to confined with the limited service rather enhanced existing service and brought

up new services in order to their existing and potential clients for made the life more easier’’

1.4 Corporate mission: To assist in bringing high quality service to the customers and to participate in the growth

and expansion of the national economy.

To set high standers integrity and bring total satisfaction to the clients, shareholders and

employees.

To become the most sought after bank in the country, rendering technology driven

innovative service by the dedicated team of professionals

1.5 Vision:

Bank Asia’s vision is to have a poverty free Bangladesh in course of a generation in the new

millennium, reflecting the national dream. Our vision is to build a society where human dignity

and human rights receive the highest consideration along with reduction of poverty.

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1.6 Salient Features of Bank Asia:

Only Bangladeshi Bank to acquire (Purchase) operations of 02 (two) foreign banks

namely: (a) Bank of Nova Scotia of Canada (b) Muslim Commercial Bank of Pakistan.

Majority stakeholder of ERA INFOTECH, (A joint Venture IT Company).

Centralized Trade Services Operation (Facilitates Export/ Import and Inward and

Outward Remittance for non-AD Branches.)

Central Clearing Fully Automated.

Online Charges Free.

ATM (Own) Charge Free.

Own ATM 48.

E-Cash Booth 125.

24 Hours Call Centre

Member- Dhaka Stock Exchange (DSE)

Commenced Capital Market Operations (Share Trading).

Internet Banking

Mobile Banking

SME Banking

Consumer Banking

Islamic Banking

1.7 Corporate Information:

The Bank Asia Limited is managed by a group of vivacious Board of Directors drawn from

different segments. They hold very respectable positions in the society and are from highly

successful group of business and Industries in Bangladesh. The bank has a very competent

Management Team who has enough knowledge and experience in domestic and international

banking. The bank uploads and strictly abides by good corporate governance practices and is

subject to the regulatory supervision of Bangladesh bank.

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1.8 Organizational Hierarchy:

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BANK ASIA LIMITEDSCOTIA BRANCH

SVP & Manager

Position OpenLiability Management SEO

RM (Asset)FAVP & Operations

ManagerSenior OfficerRemittance

InchargeAssistant

OfficerPlacid

TellerPlacid & FedEX

Trainee Officer

TT/DD & Test-key

Banking OfficerPosting (All Co.)

TellerRemittance PaymentTrainee OfficerQuery

Settlement(All

Companies)

Xpress Money, Wall StreetPosting (All Companies)

Position Open

TNS, SEABKuwait

Exchange

MTRM (Asset)

Position OpenCredit AdminJunior OfficerCredit

Admin &Consumer Credit

Position OpenCredit

Reporting

Executive Officer

GB In-Charge

Teller (Cash)Teller (Cash)Teller (Cash)

Probationary Officer

Accounts

Senior OfficerClearing

Asstt. OfficerReconcilliation

OfficerCustomer ServiceBanking Officer

Customer Service

Junior OfficerTC &

Student Files

Foreign Remittanc

e

Foreign TradeForeign Trade

Senior OfficerForeign Trade

Position Open

F.Ex Reporti

ng

Junior OfficerForeign Trade

Receptionist

MTNow Under

Training

1.9 Objectives of the report:

Broad Objective:

To find out the strategies of Bank Asia Limited to increase the number of customer.

Specific Objectives:

During my internship period I will also try to find:

1. the policies of Bank Asia Limited to target their customer.

2. activities to attract their targeted customer.

3. policy to retain their existing customers.

4. facility for loyal customers.

5. participation of Bank Asia Limited in different national and international events.

6. media Involvement of Bank Asia Limited.

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CHAPTER-0 2

ACTIVITIES UNDERTAKEN

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2.1 Work-Related Activities Organization-wide and Other relevant

Activities :

A. Work-Related : Bill processing for Sign Board or Branding

Preparing Work Orders

CRM Activation Plan for Existing Top Level Customers

CRM Activation Plan for Influencing Prospective Top Level Customers

CRM Activation Plan through SMS Greetings

Eid Campaign

Influencing Customer to take Car or Home Lone

Credit Cards Rebranding

ATM Campaign

Internal Branding Initiative

Employer Branding Initiative

Campaign at different event

Preparing Office Note

Inviting suggestions and complaints (suggestion box)

Observations

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2.2 The Strategies from ANSOFF MARTIX:

Ansoff’s matrix suggests four alternative marketing strategies which hinge on whether products

are new or existing. They also focus on whether a market is new or existing. The four strategies

are:

1. Market penetration – This involves increasing market share within existing market

segments. This can be achieved by selling more products/services to established customers or by

finding new customers within existing markets. Example- Bill processing for Sign Board or

Branding, Preparing Work Orders, CRM Activation Plan for Existing Top Level

Customers

2. Product development – This involves developing new products for existing markets. Product

development involves thinking about how new products can meet customer needs more closely

and outperform the products of competitors. . Example- CRM Activation Plan for

Influencing Prospective Top Level Customers, CRM Activation Plan through SMS

Greetings

3. Market development – This strategy entails finding new markets for existing products.

Market research and further segmentation of markets helps to identify new groups of customers. .

Example- Employer Branding Initiative, at different event, Preparing Office Note,

Influencing Customer to take Car or Home Lone

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4. Diversification – This involves moving new products into new markets at the same time. It is

the most risky strategy. The more an organization moves away from what it has done in the past

the more uncertainties are created. . Example- Eid Campaign, Influencing Customer to take

Car or Home Lone, Credit Cards Rebranding, ATM Campaign

B. Organization-wide:

2.3 Corporate Brand and Corporate Banking Division

Bank Asia Limited, these words have very profound impact in the market. The name carries

positive image, trust and quality in banking arena. The name represents an umbrella under which

several divisions are carrying out different banking services. So, this name has to be equally

vibrant for all the categories and unequivocally uplift the emblem of ‘a bank with a difference’.

To consumers, our corporate brand represents as ‘a good bank’ (consumers’ verbatim) due to

quality in our services and due to our strong corporate-base which they have come across

personally or hearing from surroundings. So, they will expect every product with the same brand

name to have the same level of trust and quality those they are familiar with. So, all our

initiatives will be surrounding maintaining the positive activities we are doing now and taking

new initiatives to make Prime Bank more compelling and attractive.

2.4 Maintaining & Managing Strategies a. Events/Fair/Exhibition

b. Sponsored Events Including Sports

c. Eid compliments distributions

d. CSR

e. Pahela Baishakh

f. Eid cards/calendars/diary/corporate gift items

2.5 New Initiatives to Go Further

a. Integrity Campaign

b. Internal Branding Initiative

c. An IMC approach to maintain consistency in everything we do

d. 2011 cricket world up

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e. Inviting suggestions and complaints (suggestion box)

f. Employer Branding Initiative

g. Repositioning of Corporate Brand

2.6 Event Golf (MGCC,JGCC,RGCC, Savar, Kurmitola)

US Trade show

Dhaka Motor Show

Bank & Non Bank Financial Institutions Fair

Sponsoring Rehab fair.

Loan fair/ road show (two loan fairs @ Dhk and Ctg.

And four road shows)

Sponsoring event/debate: NDC, viq. Noon, etc

Donation

Kids art competition (crest, certificate, honorium of

judges, prize money)

Others

2.7Customer Relationship Management Today, many businesses such as banks, insurance companies, and other service providers realize

the importance of Customer Relationship Management (CRM) and its potential to help them

acquire new customers retain existing ones and maximize their lifetime value. At this point, close

relationship with customers will require a strong coordination between all the branches and

Marketing Division to provide a long-term retention policy of selected customers.

CRM is a sound business strategy to identify the bank’s most profitable customers and prospects,

and devote time and attention to expanding account relationships with those customers through

individualized marketing, re-pricing, flexible decision making, and customized services through

the various sales channels that the bank uses.

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2.7.1. CRM Activation Plan for Existing Top Level Customers:

Name : Delighting customers through gift item.

Campaign Objective : To build a strong rapport with the valued clients of the Bank and turn

them as the opinion leaders who can create word of mouth communication with others.

Time Period : Eid ul Fitr

Promotional material : Pen, Key Ring, Cardholder, Crest, Jainamaj, Tasbih & Atar

2.7.2 CRM Activation Plan for Influencing Prospective Top Level Customers:

Name : Value Creation through gift item.

Campaign Objective: To influence the prospective top-tier (they are not in top 10 but they

are within top 30) clients of Bank Asia Ltd. so that we can generate more business (deposit &

loan) from them.

Time period : The year 2011 is divided into 4 phase and every phase will contain3

months. In each phase, the CRM team will communicate with at least one and maximum two

divisions.

Target customer : For this campaign, we will target Grade A, B, C & D branches potential

20 customers.

2.7.3 Execution Manual :

For executing the program, The CRM team will follow a specific guideline:

Firstly, selecting a branch in the respective division for each phase.

Setting Date of CRM Activation Launch in Respective Division.

Selection of the Valued Customers by the Branch Manager.

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Greet the customers with the “Thank You” letter & branded souvenir of the bank.

The CRM activation manager maintained customers’ comment register which would

include the calling customer’s detailed information, his advices, suggestions, complaints

(if any) and any other concerns about the Bank, its products and services.

Promotional material : Pen, Key Ring, Cardholder, Crest, Jainamaj, Tasbih & Atar.

2.7.4 CRM Activation Plan through SMS Greetings:

Name : SMS compliments in special occasion of the valued customer.

Campaign Objective: To lead the top customers feel service delightment on their special day

(Birthday/Anniversary) of life. By these activities, they will feel that Prime Bank is always

keeping in touch with them.

Time period : According to a database and greet the customers.

Target customer : The top level 30 customers of each branch.

Execution Manual : For executing the program, The CRM team will follow a specific

guideline:

Maintain a large database of 50 top clients of each branch of Bank Asia Determine their

Special day (Birthday/Anniversary) of life.

Maintain SMS alert or SMS reminder service on their special occasion so that the

customers are automatically greeted on their special day of life.

Promotional Media : Flash SMS

2.8 Retail Banking Division

2.8.1 Eid-ul-Fitr Campaign

During Ramadan people all over the country join in a shopping-spree. Alternatively it can be said

that this is ‘the month of shopping’. And another opportunity is growing during Eid vacation is

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traveling & tourism to countryside and abroad. These both trends have opened up the

opportunity of selling Shopping (Any Purpose) and Travel loan products more. As a continuation

of earlier years we want to capitalize the business opportunity of this month.

Competitive Scenario: Every year competitors run campaigns during the month of Ramadan;

especially SCB, EBL, BRAC, AB Bank, HSBC, UCB, City Bank and Dhaka Bank are loud. As

Bank Asia retail banking division is growing and strengthening its foothold in the retail banking

market of Bangladesh, we need to exploit this opportunity. One issue we must need to remember,

competitors are more aggressive than we do. Retail is very fragmented business so we definitely

need to be loud with our product portfolio.

Timeline : During the month of Ramadan

Objective : To boost up Shopping (Any Purpose) & Travel loan products

Product Detail : Personal loan & Travel loan products

2.8.2 Eid-ul-Azha CampaignDuring Eid-ul-Azha people join in buying fridge or refrigerator and other electronic goods. This

trend opens up the opportunity of selling Household Durables Loan & Any Purpose Loan.

Competitive Scenario: Every year competitors run campaigns around this occasion; especially

SCB, EBL, BRAC, AB Bank, HSBC, UCB, City Bank and Dhaka Bank. As Bank Asia retail

banking division is growing and strengthening its foothold in the retail banking market of

Bangladesh, we need to exploit this opportunity. One issue we must need to remember,

competitors are more aggressive than we do. Retail is very fragmented business so we definitely

need to be loud with our product portfolio.

Timeline : Before the month of Eid-ul-Azha.

Objective : To boost up Shopping (Any Purpose) & Travel loan products

Product Detail : Personal loan & Travel loan products

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2.8.3 Car Loan CampaignDuring April-June customers try to buy cars before next year budget because every year govt.

imposes more taxes on car and vehicle. This trend opens up the opportunity of selling car loan.

Competitive Scenario: Every year competitors run campaigns around this occasion; especially

SCB, EBL, BRAC, AB Bank, HSBC, UCB, City Bank, Bank Asia and Dhaka Bank. As Bank

Asia retail banking division is growing and strengthening its foothold in the retail banking

market of Bangladesh, we need to exploit this opportunity. One issue we must need to remember,

competitors are more aggressive than we do. Retail is very fragmented business so we definitely

need to be loud with our product portfolio.

Objective : To boost up sales of Car loan products

2.8.4 Home Loan CampaignBackground: During September-April customers starts working for house building, renovation

& decoration just after rainy season.

Competitive Scenario: Home loan competition is severe; especially market players are SCB,

EBL, BRAC, AB Bank, HSBC, UCB, City Bank, Bank Asia, DBH, IDLC and Dhaka Bank. As

Bank Asia retail banking division is growing and strengthening its foothold in the retail banking

market of Bangladesh, we need to exploit this opportunity. One issue we must need to remember,

competitors are more aggressive than we do. Retail is very fragmented business so we definitely

need to be loud with our product portfolio.

Objective : To boost up sales of Home loan products

2.9 Card Division

2.9.1 Credit Cards Rebranding:

Plastic card is the sharp weapon of future of banking business. As it is convenient, safe and

prestigious to carry with, middle-class customers are rushing for it. Banks have also introduced a

number of credit cards which have already spurred the competition of growing card market.

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AMEX cards have given a new momentum while SCB, BRAC, EBL, HSBC, DBBL cards are

notable players. Every month more than 5000 credit cards are being added in the market.

We need to rebrand our credit cards to give it a new look and feel. We should show our prowess

in the market. We need to ensure continuous penetration and neck-to-neck competition with the

aggressive players as mentioned above. Continuous penetration is an effective tool to hold

market leadership. To do this we need different approaches than other operators.

Objective: To introduce ‘Bank asia Credit Cards’ as a self-stand sophisticated brand of Card

business Portfolio; this ultimately will ensure foreseeing approach of the leading bank.

Business Target: Minimum 8000 unit newer credit cards (excluding usual target of 12000 units)

average 50 transactions yearly per card.

2.9.2 Direct Engagement in Shopping Malls

Plastic card is the sharp weapon of future of banking business. As it is convenient, safe and

prestigious to carry with, middle-class customers are rushing for it. Banks have also introduced a

number of credit cards which have already spurred the competition of growing card market.

AMEX cards have given a new momentum while SCB, BRAC, EBL, HSBC, DBBL cards are

notable players. Every month more than 5000 credit cards are being added in the market.

We need proactive strategies to grab the sizable future business of the market. But immediately

we need to focus more on increasing our present share of the market with reactive strategies.

Objective : To spur the growth of card business.

Target : Selling 2000 cards in 3 days and prospecting another 2000 new

customers.

Venues : Bashundhara Market, Mascot Plaza, Rifles Square

Mechanism : Team can be formed with four members. Four representatives of Card Division

will promote, display and sell our products in all 3 major shopping malls during the said time.

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Every team can be a combination of I Sales Officer, 2 DSEs, and 1 Call Center Representative.

These teams and their performances will be closely monitored by supervisors of Card Division.

Pre-requisite : Team members must be effectively trained, well-groomed and well-versed.

2.9.3ATM Campaign

Increasingly banks are aggressively marketing their Proprietary cards and Debit cards by offering

multi-functionality of the cards and promotional campaigns. These actually giving them edge of

boosting up retail liability business as customers are opening new accounts to get an ATM or

Debit card which is very prestigious to suburban and urban customers. We found customers have

severe confusions whether Bank Asia has capable of ATM service or not. Because we have

never communicated how many ATM booths and arrangements we have with DBBL. During the

BTL campaigns, brand visits and meeting customers have faced this issue many times.

Concept : No Charge with DBBL & Spread of ATM Booths

Objective : To arouse confidence of customers and boost up retail liability business.

Communication Priorities of the existing product:

a. Ensure adequate availability of the communication brochures in the branches

b. Arrange wall hanging brochure stand in every ATM booth where products of the Bank

Asia Limited will be available throughout the year

c. Rebranding of 38 ATM booths

d. Master card, Proprietary card, Internet Banking and SMS Banking advertising in the

ATM machine screens in every two minutes to attract the PBL ATM booth users.

e. Establish an Electronic Customer Relationship Management for the customers (Greetings

in birthday, anniversary, anniversary of relationship with the Bank, pohela boishak etc.).

f. ATM signage’s in the street area as well as signs in shops, restaurants etc.

g. Participation in card fairs

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CHAPTER-0 3

CONSTRAINTS/CHALLENGES AND PROPOSED COURSE OF ACTION

FOR IMPROVEMENT

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3.1. Identified/Observed in the Organization:

During internship period in Bank Asia limited, Scotia branch I have found some problems in the

bank according to my perspective and short period of time is not for analysis for the bank

performance due to time constraints. They are …

Scotia Branch is a new Branch that’s why many departments are not available in this

Branch only General Banking and foreign exchange section fully work.

Their ATM booth services have some network problem.

Bank Asia ATM Booth is not available here.

Bank Asia have suggestion box service but because of proper guidance customer don’t

know about these properly.

Bank Asia don’t give any special offer for car & home loan, which is influence cutomer to

take loan.

During eid time they only give eid card and very few amount of loan facilities.

They don’t give any special offer regarding any types of event to achieve customer

attraction.

Their internal banking system are not working properly.

There have lack of information about different loan products like personal loan, travel

loan, house hold durable loan.

They don’t use any advertisement for credit card service

When a client try to open an A/C he/she must have to need an introducer, sometime it may

create a problems for the clients. Anyone can not open account due to lacking documents

and introducer.

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3.2. Academic Preparation:

This internship period is very important for any student. So it also gives me an opportunity to

learn practical knowledge about banking. It gives me also some valuable learning about banking

sectors which are related business and study of major marketing sector. As a student in

university learn about business related in Day to day Banking. Its involve of all of departments

But in internship period I have done my entire job in the entire department of Bank Asia. That’s

internship period I learned a lot experience about business and business related things, it’s

helpful for my carrier.

Some of the scenarios where I found the relevance:

Financial institution like bank are totally dependent on it’s customers and parties. A huge

number of parties does not mean that you aredoing your business right but a small

quantities of parties with regular transactions is what every one is looking for. So

maintain a good transaction rate, it is very much needed to maintain a good CRM-

customer Relationship Management with the clients to satify them.

I was very much delight to relate it with my subject matter and it is worth a lot.

If we consider the 4p’s of marketing, it is product that comes first and for the institution

like banks, it is the accounts and its service to iits customer. Bank Asia is very much

aware about these and offerinf newer products like saving schemes for the woman- FDR,

DPS, Student schemes etc.

A loyal customer is someone who is retained by the organization and being served with a

great extent of service. It is one of our main goal to retain the old customers as well as

collecting the newer one’s.

Marketing is all about promoting your ideas, products, solution to customers and makes

the profit out of it considering a great source of customer satisfaction. Bank Asia tends to

market and promote its offers and promotion a lot and it’s almost what I have always like

to do.

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3.3 MISSING KNOWLEDGE’S:

It was not partially possible for a student to evaluate the universities under graduation program

until they experience the real business or corporate world. Once those subjects or gestures which

had been considered a valueless topic will eventually became worthy after analyzing the real life

scenario. It is not possible for university to reach its students accurately to the point but what it

tries to make them able to cope up with diverse situation and make ourself flexible within the

given context.

I have done my internship in a financial institution despite my non-attachment to the financial

studies.

So having different types of issues in mind and some difficulties, I am going to address some of

the skills which might be learned for betterment of the students. Like-

Although I am a marketing department student but I had to complete my internship in

Bank Asia Ltd and here most of the activities are accounting related, so in order to make

everyone fluent and flexible on accounting and finance university should introduce more

accounting and finance courses as a core subject.

Corporate world is different side of life; we were used to live in our university days. It is

really important for the university to make its student more sensible in this issue. Because

unless someone is incapable of maintaining these norms may create a high level of dis-

satisfaction around there colleagues. So university should arrange more

saminarssymposiums on this issues

During my internship program, I had to work on different technologies. We had to work

on the lan connection which is directly connected with the principle branch. For the

regular transaction, stellar, MICR is being used. So university should emphasis on these

issues and make its students work on different platforms and software’ make them fluent

on MS office, they should take different classes on SPSS and these types of initiatives

would definitely help the students get used in their professional career.

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CHAPTER-04

LESSONS LEARNED FROM THE INTERNSHIP

PROGRAM

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4.1. Implications to Organization/Company:

I started internship program in Bank Asia limited, Scotia Branch from 5th may 2013, firstly I

introduce with the manager who later introduced me to all the staffs of the Bank would perform

in 12 weeks of my internship program. First I was assigned to General Banking Section. It was

very challenging, but very productive. I was under Mr. subrata kumar paul, Senior

Executive Officer of Bank Asia, Scotia Branch who was very intellectually intriguing. He gave

me a written job description for 3 months.

In 1st month was posted in the General Banking Section, cash section and account section. I have

train up with day-to-day cash transaction, account opening, Remittance, Clearing, Account

related work etc.

Maintenance of Deposit A/Cs:

Saving accounts/ Current accounts/cash credit deposits/Fixed deposits/short term

Deposits/margin deposits/Bond deposits/F.C. Bond deposits.

Handling transfer transaction

Keeping good relation with valued customer.

Providing necessary support to the customers.

In 2nd month, I was posted in the Credit and foreign trade department. Here I have train up with

Credit proposal preparation, Documentation and others credit related works.

In 3rd and last month, I was worked with my Internship report and also I have continued with all

the department of the Bank.

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4.2. Implications to University’s Internship Program:

The internship program is a partial requirement to take test of real life challenge conducted by

the intern who related BBA program with academic course, book knowledge in job world,

reports make by the organization way with data gathering. So in my opinion in our BBA

Program university should add international business and Customer service and relationship

development in core subject that interconnects international business as import and exports and

also develop better relationship with the customer. The banking internship gives opportunities to

gain practical knowledge etc.

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CHAPTER-0 5

CONCLUDING STATEMENTS

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5.1. Recapitulation / Summary:

This report serves the purpose of expressing my experience Bank Asia, Scotia Branch for three

months’ probation period. As young professionals I joined this renowned organization with

fervor and enthusiasm. It is my great pleasure to have this experience which will guide me

through my professional life. Working as an intern in the bank gives me directly experience in

account opening, information given, cheque clearing, remittance, loan disbursement etc. and

advances analysis credit proposal and disburse credit it’s satisfactory.

The present customer dealing procedure is quite well at moment. The computerized transaction

makes the system efficient and effective. They should training to staff, give more attractive

product etc. which may create a good result for their overall performance. During the course of

my practical orientation I have tried to learn the practical banking activities to realize it with my

theoretical knowledge, which I have greathearted and going to acquire from various course of

my BBA program. This internship helps me for my future corporate job career.

5.2. Recommendations for Future Strategic Actions:

I enjoyed very much my internship period Bank Asia Limited, Scotia Branch has given me the

opportunity to do my internship program for three months and provided me a wide range of

scope to observe the different functions of bank through All Banking departments. Bank Asia

Limited, Scotia branch can some adopt of the following recommendation:

To recover the online interruption problem of Bank Asia Ltd. should strengthen their

software and server system and must be undertaken against defaulter.

They can increase the advertising of the Bank to highlight latest services of Bank Asia

Limited like other banks.

Can also provide some more attractive and deposit facilities and credit facilities.

They also can take incentives to provide high quality service.

Ensure accurate and swift services in the cash department.

Internal problem of the employees sometimes harasses normal customers to get service

faster.

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Bibliography

Annual Report of Bank Asia Ltd.

Banking journal.

Internal records and documents of The Bank Asia Limited (Both Branch & Head Office).

Internet Sources

http:/ www.google.com

http://en.wikipedia.org/wiki/Bank Asia

http:/www.bankasia-bd.com

http://groups.google.com/group/vuzs

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Fahad Al Saba Haque

House-33, Road-17 (4th floor)

Nikunja-2, Dhaka -1205

Mobile: +8801722-104389

E-mail: fahad_haque0007@yahoo.com

CAREER OBJECTIVES

To obtain a position to utilize my skills and abilities in any recognized company that offers job security and professional growth while being resourceful, innovative.

Academic Qualification

Name of the Examination

Board/UniversityYear of passing

CGPA

B.B.A

(Major in Marketing)

American International University Bangladesh (Last Semester) 2013 3.13

H. S. C

(Business Study) Moulvibazar Govt. College, Moulvibazar2008 3.80

S. S. C

(Science)The flower’s KG and high school 2006 3.38

Computer Literacy

Proficiency in Microsoft Word, MS Excel and MS power point. Sound knowledge in Internet operation.

Language proficiency

Mother tongue: Bengali English: Reading and writing proficiency- full working knowledge and verbal proficiency-

moderate.

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Key Attributes

Hard working and able to work under pressure. Self motivated in any adverse situation. Optimistic, confident and friendly as person.

Extra Curricular Activities:

Active member of APAC (AIUB Performing Arts Club) Magician (Starred in magic shows on several TV channels)

Personal Information

1) Name : Fahad Al Saba Haque

2) Father’s Name : Md. Shamsul Haque

3) Mother’s Name : Shamsad Ara Haque

4) Present/Contact Address : House-33,Road-17 ( 5th floor) Nikunjo-2, Dhaka -1205

5) Permanent Address : Chayabathi,647Sultan-pur Road,Moulvibazer,Sylhet

6) Date of Birth : 20th November, 1989

7) Home District : Moulvibazar

8) Marital Status : Single

9) Nationality : Bangladeshi (By birth)

10) National ID Card Number : 5827407129260

REFERENCES

Tahsina KhanFaculty of Business Administration

American International University- Bangladesh

Phone: 9890804, 9894641, Ext. 124

Mobile: 01715-505910

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E-mail: tahsina@aiub.edu

Major Dewan Salahuddin Ahmed (BA-6005)41 BMA Long Courses, BD Army.Presently Served in Army Supply & Transport Battalion,Dhaka Cantt.Mobile: 01729-147064E-mail: salahuddin6005@yahoo.com

DECLARATION

I do hereby declared and certify that all information stated above is true and complete to the best of my knowledge and belief.

Signature and date

_______________

(Fahad Al Saba Haque)

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