Report on Ucbl

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A Working report on ‘United Commercial Bank LTD’

By Masruk Monir 0510220

An internship report presented as the partial fulfillment Of the requirements for the degree Bachelors of Business Administration

Independent University, Bangladesh IUB September 16th 2010

Letter of Transmittal

September 15th 2010 Sohel Islam Lecturer, Marketing School of Business Independent University Bangladesh, IUB Dhaka, Bangladesh.

Subject: Submission of the internship working report.

Dear Sir, With due respect, I would like to inform you that, it is a great pleasure for me to submit the working report on ‘United commercial bank’ Shantinagar Branch, Dhaka, Bangladesh. As a requirement to complete my BBA program. My internship period started from June 1 st to August 31st 2010. It was a great pleasure for me to have the opportunity to work on this bank. I endeavor my best to come up with a good report. I would be very happy to provide you with any clarification regarding the report. Please contact with me if you have any query and please kindly accept my paper and oblige me thereby.

Thank you, Sincerely yours, Masruk Monir 0510220


The successful accomplishment of this working report of Internship is the outcome of the contribution and involvement of a number of people, especially those who took the time to share their thoughtful guidance and suggestions to improve the paper. At the beginning I would like to pray my gratitude to the Almighty for giving me the ability to work hard under pressure.

I have deepest gratitude to my respected Course instructor Mr. Mohammad Sohel Islam, Senior Lecturer of Independent University Bangladesh. I am also grateful to the Head of Santinagar Branch of UCBL Ikhtear Uddin Ahmed, Manager Operation Moshi Uddin hossain and the Clearing Officer Mrs. Hafiza khanom, Laiba khandakar, Farhana sultana, the Cash officer Md. Tayub and Maruf Reza Khan marketing Officer of the Retail Banking Division along with the AVP and incharge of credit and advance Mr Anwar hossain pathan and all the employees for helping me to their utmost level. I am thankful to them and my supervisor for their continuous support and supervision, suggestions and providing me with valuable information and guide lines that was very much needed for the completion of this internship working report.

Finally, my sincere gratitude goes to my all the other colleagues in the bank and teachers of my major and minor discipline in the university, who helped me whenever I needed.

September 15th 2010 Date

Masruk Monir 0510220


Table of contents:
1.0 Introduction 1.1 Brief background of UCBL 1.2 Company Mission and Vision 1.3 Corporate Culture 1.4 Departments of United Commercial Bank 1.5 Products and services of UCBL 2.0 Origin and Subject of the report 3.0 Description of duties and requirements of given job 3.1 Cash management 3.2 General Banking 3.2.1 Issuing of Cheaque book 3.2.2 Opening Account 3.2.3 Clearing department 3.2.4 Clearing Activities 3.2.5 Reasons for dishonored cheaque 3.3 Loans and advance 3.3.1 Net worth and CIB 3.3.2 Call Report 3.3.3 Proposal and financials 3.3.4 Physical verification report 3.4 The nature of the loan products in the UCBL 3.4.1 Cash Credit 3.4.2 Overdraft or OD 3.4.3 Term loan 3.4.4 Letter of credit or L/C 3.4.5 The process of loan in general 3.5 Foreign Exchange 4.0 Accounts department 4.1 Activities 5.0 Changing the image of it’s products and services 5.1 Online banking 5.2 Credit cards & ATM locations 5.3 UCB Money Maximizer Scheme 5.4 UCB Earning Plus Scheme 5.5 UCB DPS Plus Scheme 5.6 UCB Multi Millionaire Scheme 5.7 Retail Banking 6.0 Rare Experience Recommendation & Conclusion 01 01 01 02 02 02 03 03 03 04 04 04 05 06 07 08 09 09 09 09 09 10 10 10 10 10 11 11 11 12 12 12 13 13 14 14 15 15


1.0 Introduction

Generally by the word “bank” we can easily understand that the financial institution dealing with money. But there are different types of...
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