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7/23/2019 Internship report on BRAC Bank Ltd.
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 10z^ a m d
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1
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aeh kdhitk dex|d~|dedt|p }d|d fvd|jffcdh% Xbip kippiem kihhjd m|ft~ ip xbd
pkajj ltx px|iviem dex|d~|dedt|p* }bf ld`atpd fo ja`c fo oteh `aeefx ~t|ptd
xbdi| oieae`iaj t~jiox* ap xbdy bavd ef ~|f~d|xy xf ~|fvihd ap dqtixy xf xbd
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xbdpd pkajj ltx ba|h }f|ciem dex|d~|dedt|p }ixb hftljd lfxxfk jied vipife% Ap
a pf`iajjy |dp~fepiljd laec* L\A@ Laec }aexp xf pdd xbd dkae`i~axife fo
m|app+|ffxp jdvdj xf xbdi| d`fefki` bdimbx aeh ajpf xf kacd ~|foix ly pd|viem
xbd iexd|dpx fo kippiem kihhjd m|ft~p% 4>$ fo L\A@ Laecp xfxaj ~f|xofjif
tptajjy `fjjd`xdh o|fk t|lae a|dap* a|d `baeedjdh xf pt~~f|x xbdpd
dex|d~|dedt|p }bf ie otxt|d }ijj ld`fkd xbd ~fxdexiaj px|demxb fo ft|
d`fefky% Xbd Laec `t||dexjy ip xbd ka|cdx jdahd| ie miviem jfaep xf Pkajj aeh
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 19z^ a m d
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l|idojy dr~jaiedh ldjf}7
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pkajj p`ajd x|ahiem* kaetoa`xt|iem aeh pd|vi`d vdext|dp* dp~d`iajjy xf
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A~t|lf \ie A~t|lf ip a jfae oa`ijixy of| pkajj aeh kdhitk ltpiedpp%
A~t|lf jfae bap ldde hdpimedh aeh xa|mdxdh of| |djaxivdjy limmd|
ltpiedpp teixp |dqti|iem jfae alfvd xc% 2 ja`p xf 0> ja`p%
^axbpbaja \ie + ^axbpbaja \ie ip a jfae hdpimedh xf kddx xbd eddhp
fo pkajj aeh kdhitk piwdh ~|ivaxd dht`axifeaj iepxixtxifep* pt`b ap
ciehd|ma|xdep* p`bffjp aeh `fjjdmdp dx`%
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hf efx eddh xf de`apb xbdi| paviemp |axbd| xbdy `ae xacd hftljd akftex
fo jfae fe xbdi| hd~fpix of| xbdi| ltpiedpp dr~aepife%
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h z^ a m d
Pt~~jid| Oieae`d + PT^^JID\ OIEAE@D ip a jfae oa`ijixy of| xbd
dejipxdh Pt~~jid|p fo va|iftp ja|md |dxaijd|p* ka|cdxiem `fk~aeidp*
hipx|iltxf|p* dr~f|xd|p dx % Xbip ~|fht`xp kaie flgd`xivd ip xf bdj~
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xbd oteh+ojf} ma~p% Akftex ip kieiktk LHX 0 ja` t~ xf kariktk LHX
0> ja`%
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~|fht`x food|p xd|kieaxiem jfae oa`ijixidp of| xbd ~t|~fpd fo }f|ciem
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LHX 0 ja` t~ xf kariktk fo LHX 9%4 ja`%
LIWEDPP A``ftex + Liwedpp A``ftex ip ae iexd|dpx lda|iem `t||dex
a``ftex of| pfjd ~|f~|idxf|pbi~ ltpiedpp Dex|d~|dedt|% F~deiem lajae`d
|dqti|dh ip fejy LHX+1>* >>>%>>
@apb Pd`t|dh Jfae + ,@apb Pd`t|dh Jfae, ip a jfae oa`ijixy of| pkajj
aeh kdhitk piwdh ltpiedpp% Xbd|d a|d x}f xy~dp fo jfae oa`ijixy ie xbd
~|fht`x i%d% Pd`t|dh Jfae aeh Pd`t|dh Fvd|h|aox% Xbdpd oa`ijixidp a|d
otjjy pd`t|dh ly oirdh hd~fpix fo L\A@ Laec% Akftex ip kieiktk LHX 0
ja` t~ xf kariktk LHX 0> ja`%
LIWEDPP Jfae + Liwedpp jfae ip ae dqtaxdh kfexbjy jfae oa`ijixy of| ajj
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}f|ciem `a~ixaj oieae`d aeh&f| oirdh appdxp ~t|`bapd% Jfae jikix ip
kieiktk LHX 1> ja` xf kariktk fo LHX 4> ja`%
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h *>>>%>> ~d| hay% Ajpf
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Aeh L\A@ Laec HIA Mfjh AXK `a|h bfjhd| }ijj degfy a p~d`iaj `apb la`c aeh
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lftmbx aeh 2$ hip`ftex fe kaciem `ba|md fo aey mfjh ~|fht`xp lftmbx o|fk
HIA Mfjh%
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mfjh aeh teivd|paj `jappi` `a|h% Aeh ajj `a|hp a|d htaj `t||de`y `a|h%
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h >%>> aeh
aey ktjxi~jdp% ^|fvihdp a paviemp a``ftex }ixb a ~d|pfeajiwdh `bdqtd lffc*
da|eiemp |dkixxdh xf paviemp a``ftex }ijj ld atxfkaxi`ajjy x|aepod||dh fe xbd
htd haxdp aeh jfaep a|d ~|fvihdh amaiepx 9>$ fo hd~fpixdh akftex%
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kaiexaiedh ie Xaca%
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ld ~aih dvd|y kfexb fe xbdi| Paviemp A``ftex atxfkaxi`ajjy% Xbip ip ihdaj of|
`tpxfkd|p }bf }aex xf ~ay xbdi| H^P iepxajjkdexp% A``ftexp a|d kaiexaiedh
ie Xaca%
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a``ftex of| Efe+\dpihdex Laemjahdpbip }bd|d xbd |dkixxd| `ae f~de ae
a``ftex of| xbd Ldedoi`ia|y% Xbd ldedoi`ia|y `ae xbde avaij ajj xbd pd|vi`dp
food|dh ly L\A@ Laec pt`b ap7 PKP Laeciem* ^bfed Laeciem* Iexd|edx
Laeciem dx`% ]bde xbd ldedoi`ia|yp a``ftex ip pdxt~* xbd \dkixxd| gtpx
|dqti|dp xbd a``ftex etkld|* aeh akftex fo kfedy xf ld pdex xf kacd a
paod* oapx aeh dooi`idex x|aepa`xife% X|aepa`xife ip `fk~jdxdh }ixbie ? bft|p fo
|d`diviem iepx|t`xifep%
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8 yda|p = yda|p 11 yda|p 18 yda|p
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 01 z^ a m d
M\A^BI@AJ PIXTAXIFE FO LLJ
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 0< z^ a m d
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 08 z^ a m d
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 04 z^ a m d
@BA^XD\ III
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 0? z^ a m d
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 0= z^ a m d
L\A@ Laec \ak~t|a L|ae`b ip fed fo xbd dpxaljipbdh l|ae`bdp fo L\A@
Laec% Ix bap ltijx t~ a vd|y mffh `tpxfkd| lapd aeh ~d|of|kiem |dajjy }djj% I
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 02 z^ a m d
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 88 z^ a m d
@t||dex a``ftex ip kfpx ptixaljd of| ~|ivaxd iehivihtajp*
x|ahd|p* kd|`baexp* ik~f|xd|p aeh dr~f|xd|p* kijj aeh
oa`xf|y f}ed|p* jikixdh `fk~aey dx`%
i% @t||dex jappi`
ii% @t||dex ~jtp
iii% Dwdd a``ftex
iv% Paja|y a``ftex
v% @ak~tp a``ftex
^|fht`x ^t|~fpd Aeetaj Odd Iexd|dpx \axd
@t||dex Ix ip a jf`aj `t||de`yefe iexd|dpx+lda|iem LHX ?>> # _AX ax xbd xikd fo a``ftex EfeIexd|dpx@jappi` a``ftex }ixb `bdqtd lffc oa`ijixy% f~deiem aeh fe aeeivd|pa|y fo dvd|y lda|iemA``%
ofjjf}iem yda| LHX 4>> # _AX }ijjld `ba|mdh
@t||dex ^jtp Ix ip a jf`aj `t||de y efe iexd|dpx+lda|iem EfAeetajA``ftex Kaiexdeae`dOdd Efe Iexd|dpxa``ftex }ixb `bdqtd lffc oa`ijixy% f| Aeetaj Hdlix @a|h Oddp f| aey lda|iem A``%
fxbd| t~o|fex oddp
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>>* xbd a``ftex }ijj ld `ba|mdh }ixbLHX 4>> # _AX dvd|y bajo yda|
Dwdd DwddA``ftex ip a jf`aj `t||de`y iexd|dpx+ EfAeetajA``ftex Kaiexdeae`dOdd 8$ ~%a%lda|iem `t||dex a` ftex }ixbftx `bdqtdlffc oa`ijixy%
LHX ?>> # _AX ax xbd xikd fo a``ftex Iexd|dpxf~deiem aeh fe aeeivd|pa|yfo dvd|y ~aykdex7 Bajoyda|% yda|jy
@ak~tp @ak~tpA``ftex ip ae iexd|dpx+lda|iem Ef Aeetaj A``ftex Kaiexdeae`d Odd 8$ ~%a%
A``ftex `t||dex a``ftex dr jtpivdjy food|dh of|
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 84 z^ a m d
Paja|y Ix ip a jf`aj `t||de`y iexd|dpx lda|iem Ef Aeetaj A``ftex Kaiexdeae`d Odd 8$ ~%a%
a``ftex `t||dex a``ftex of| dk~jfyddp fo ie Paja|yA``ftex aeh a``ftex `ae ldhiood|dex @f|~f|axd Bftpdp xf hiplt|pd f~dedh }ixb aey akftex%
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xbdi| kfexbjy paja|idp% Dk~jfyddp fo~aykdex7 Bajo
KE@&JJ@&KIH @F\^&EMF&Ja|mdAeetaj _IPAHdlix @a|h Oddp fo LHX yda|jy
~|f~|idxf|pbi~&^a|xed|pbi~ oi|k* fxbd|0>> # _AX }ijj ld `ba|mdh aeh fe
xbae of|dime eaxifeajp a|d djimiljd xf f~de aeeivd|pa|y fo dvd|y ofjjf}iem yda|xbip a``ftex%
@% Xd|k Hd~fpixp7 xd|k hd~fpix ip vd|y ik~f|xaex of| ixp
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xbd bimbdpx akftex fo laecp oteh o|fk ixp hi|d`x `tpxfkd|p
`fkdp ie xbd of|k fo xd|k hd~fpix% Of| ie`|dapiem xbd
hd~fpix lapd dvd|y `fkkd| iaj laec food|p ixp tpxfkd|p
va|iftp |axdp a``f|hiem xf xbd akftex fo hd~fpix%
i% H^P
ii% Oirdh hd~fpix mded|aj
iii% Ojdri H^Piv% Iexd|dpx oi|px oirdh hd~fpix
v% O|ddhfk oirdh hd~fpix
vi% Ali|ak oirdh hd~fpix
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 8? z^ a m d
^|fht`x Kieiktk F~deiem Xdet|d Iexd|dpx \axd
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 8= z^ a m d
\dqti|dkdexp of| f~deiem ae a``ftex
X}f `f~idp fo ~app~f|x piwd ~bfxfm|a~bp " of| a``ftex bfjhd|)
Fed `f~y ~app~f|x piwd ~bfxfm|a~b fo xbd efkiedd
Aey fed ~bfxf IH `a|h% " Eaxifeaj IH* ^app~f|x* H|iviem ji`depd) Iex|fht`d| pimeaxt|d fe a``ftex f~deiem of|k aeh ~bfxfm|a~b
XIE etkld| "Io aey)
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A~~ji`aex oijjp t~ xbd
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 82 z^ a m d
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 89 z^ a m d
Bf} xf hdjivd| / mdx o|fk fxbd| l|ae`b
]bde |dqtdpxdh `tpxfkd| a||ivd xf hdpc aeh apcdh of| xbdi| `a|h* xbde LPPF
oi|px ihdexioy xbd ipptd haxd fo xbd `a|h aeh hdjivd| xbd `a|h xf xbd |dp~d`xivd
`tpxfkd|% LPPF ajpf pdex `a|h xf xbd fxbd| l|ae`b ap ~d| kaij%
]bde a `tpxfkd| |dqtdpxp xf mdx `a|h o|fk fxbd| l|ae`b xbde xbd LPPF pdex
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 4> z^ a m d
0% @bqtd Lffc |djaxdh dr~d|ide`d
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 41 z^ a m d
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tpdh xf `fkd dvd|y hay% Pt`b kaijp ie`jthdh hf`tkdexp* `a|hp* ~ie etkld|*
`bdqtd lffcp* |dxt|e `bdqtdp dx` o|fk xbd bdah fooi`d% Fxbd| xbae xbax xbd|d
}ap kaij o|fk fxbd| l|ae`bdp aeh fxbd| iepxixtxifep% Xbd kf|eiem `ft|id|
kaiejy `fexaiedh `a~xt|dh `a|hp* xbdpd a|d xbd `a|hp fo xbd \ak~t|a L|ae`b
mtdpxp xbax mfx pxt`c ie xbd AXK lffxbp ax hiood|dex jf`axifep aeh `akd xf xbd
l|ae`b of| xbd `fjjd`xife fo xbd mtdpxp% Xbd `a~xt|dh `a|hp xbax `akd xb|ftmb
xbd `ft|id| }d|d dexd|dh ie xbd @a~xt|dh @a|h \dmipxd|% Xbd ~ie etkld|p ajpf
tpdh xf `fkd ie xbd kf|eiem kaij* xbd ~ie etkld|p }d|d xbd pd`|dx etkld|p
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}d|d }|ixxde hf}e xf xbd ^IE |dmipxd|* o|fk }bd|d xbd ~iep }d|d hdjivd|dh%
Aeh xbd |dxt|edh hf`tkdexp ie`jthdh A``ftex F~deiem Of|kp "AFO)* fxbd|
of|kp f| ~a~d|p }bi`b pdex xf xbd bdah fooi`d of| ~|f`dppiem ltx }d|d |dxt|edh
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 48 z^ a m d
`ft|id|% Xbd mtdpxp ajpf mivd `bdqtd lffc |dqtdpxp aeh xbd `bdqtd lffcp
ajpf `fkd xb|ftmb kaij% I }ap ajpf |dp~fepiljd of| kaciem dex|idp fe xbd
|dmipxd|p fo xbd |dp~d`xivd hf`tkdexp of| drak~jd `bdqtd lffc |dmipxd|* hdlix
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 44 z^ a m d
=% Ed} |dxaij laeciem ltpiedpp kfhdj
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 4? z^ a m d
2% ^|d~a|iem oirdh hd~fpix aeh H^P of|kp of| Pae`xife
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ip a kfexbjy lapip hd~fpix p`bdkd }bd|d xbd hd~fpixf| hd~fpixp a oirdh
akftex dvd|y kfexb of| a oirdh ~d|ifh aeh fe kaxt|ixy mdxp a `fepfjihaxdh
akftex ie`jthiem iexd|dpx% I }ap ajpf |dp~fepiljd xf ~|d~a|d xbd oirdh hd~fpix
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a``ftex bfjhd|p fo L\A@ Laec JXH% `ftjh f~de xbdpd p`bdkdp% Xbd ed}
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F v d | a j j O i e a e ` i a j ^
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h 42 z^ a m d
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F v d | a j j O i e a e ` i a j ^
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h =1 z^ a m d
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h =< z^ a m d
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h =0 z^ a m d
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h =? z^ a m d
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F v d | a j j O i e a e ` i a j ^ d | o f | k a e ` d f o L \ A @ L a e c J i k i x d h =2 z^ a m d
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LILJIFM\A^BY
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Lffcp* ^tlji`axifep aeh Gft|eajp fo L\A@ Laec Jikixdh
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