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Table of Contents SL NO Particulars Page NO 1.0 Introduction 1.1 1.2 1.3 1.4 1.5 1.6 2.0 Overview of Banking Industry 3.0 Compan

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Table of Contents SL NO Particulars Page NO 1.0 Introduction 1.1 1.2 1.3 1.4 1.5 1.6 2.0 Overview of Banking Industry 3.0 Compan Table of Contents SL NO Particulars Page NO 1.0 Introduction 1.1 Introduction of the Study 1.2 Background of the Study 1.3 Objectives of the study 1.4 Scope of the Study 1.5 Methodologies 1.6 Limitation of the study 2.0 Overview of Banking Industry 2.1 Origin of the word “Bank” 2.2 Definition of Bank 2.3 History of Bank 2.4 Types of Bank 2.5 Banking scenario in BD 2.6 Banking structure in BD 2.7 Development of Banking in BD 2.8 Hierarchy Analysis 3.0 Company Profile of Shahjalal Islami Bank 3.1 About Shahjalal Islami Bank Limited 3.2 Profile of Shahjalal Islami Bank Limited. (SJIBL) 3.3 MISSION 3.4 VISION 3.5 Slogan of the Bank 3.6 Strategies 3.7 Organizational Structure 3.8 Shariah council of SJIBL 3.9 Conventional VS Islamic Banking 4.0 Project Part (Foreign Exchange) 4.1 Definition of Foreign Exchange 4.2 International regulations of foreign exchange 4.3 Foreign Exchange Mechanism 4.4 Graphical representation of Foreign Exchange Mechanism 4.5 Activities of foreign exchange 5.0 Overview of Import 5.1 Defining Import 5.2 Main Features of Import Policy 5.3 Import Mechanism 5.4 L/C Opening 5.5 Procedure involved in L/C opening 6.0 Overview of Export 6.1 Defining Export 6.2 Activities done here 6.3 Export Bill Scrutiny 6.4 Export Finance 6.5 Export L/C 7.0 Foreign Remittance 7.1 Defining Foreign Remittance 7.2 Inward Remittance 7.3 Outward Remittance 8.0 Findings & Analysis 8.1 Performance appraisal 8.2 Findings from Observation 8.3 SWOT Analysis 8.4 Problems of Foreign Exchange Mechanism 9.0 Recommendation & Conclusion 9.1 Recommendation 9.2 Conclusion 9.3 Reference 1.1 Introduction of the study Now the world is very much competitive and the banking sector of Bangladesh has grown day by day. As a financial institution, most of the banks perform some common functions but there is some difference between conventional banking and Islamic banking. So everybody has to be expert in his field in both practical knowledge and theoretical knowledge. As SUB aims is to build future magnate with the practical knowledge of economic field of our country, Internship course and its report is a significant aspect in the direction of accomplishing the goal. It is a systematic process for gathering, recording and analyzing of data about the topic that a student goes to learn on the program. The aim of this internship report is to connect practical knowledge with theoretical aspects. Being a student of BBA with major in Marketing has been completed internship program from Shahjalal Islami Bank Limited, Satmosjid Road Branch, Dhaka. During the internship period, it has been tried to use the opportunity to be enriched with knowledge on banking system. My findings were mostly related to the Foreign Exchange. Besides this, there are many other findings, which are reflected through this internship report. 1.2 Background of the Study ShahjalalIslami Bank Limited is a private commercial bank, which is 6th Islamic Shariah based bank in Bangladesh. The Bank started its operation on 10th May 2001; during this period it could improve its image in the society as an Islamic Bank. Now it has 26 branches in Bangladesh. All branches are situated in the highly demanded areas. As a new bank, Shahjalal Islami Bank Ltd. has been competing with other private banks where all the banks are adopting different incentive programs to attract the customers. Accordingly, Shahjalal Islami Bank Ltd. is offering different type of deposit scheme bearing highest rate of return. Mudarabah Deposit Scheme, Monthly income scheme and Millionaire scheme are the most popular offers that are completely new innovation in the banking sector and widely accepted by the clients. With crumble down of the world economy caused by nine eleven attack. It is observed that the competition becomes intensive in the globalization process. Our country has also participated in the race for its existence. Therefore, it becomes obvious for us to increase the field industrialization. Shahjalal Islami Bank Ltd. is playing a vital role in developing industry of the country and putting the national economy competitive with world economy. Developing country like Bangladesh urges a huge amount of investment both in the private and public sectors. Shahjalal Islami Bank Ltd. has been providing a lot of assistances regarding this investment process through its investment and Foreign Trade Department. 1.3 Objectives of the study The objective of the study is to gather practical knowledge regarding over all Islamic Banking system and its operations. However my targeted area is known about the details operation of Foreign Exchange on SJIBL. So I tried my best to gather practical and over all idea about Foreign Exchange on SJIBL. The Main Objective: The major purpose is to achieve a well understanding of over all Foreign Exchange operations of Shahjalal Islami Bank Ltd. The Specific Objectives: . To gather knowledge know about the Export Operations and evaluate the performance. To gather knowledge know about the Import Operations and evaluate the performance . To gather knowledge know about the Remittance Operations and evaluate the performance . To explore the problems of Foreign Exchange operation. To recommend solutions of the problems faced by SJIBL. 1.4 Scope of the Study This report has been prepared through extensive discussion with bank employees, clients and officers and on the information gathered from the annual report and prospects of SJIBL. I have got the great opportunity to have an in depth knowledge of IBTA system of SJIBL.As my subject is Marketing, I have tried at most of mine to learn from my esteemed branch. All internal branch transactions are listed every working day through software bank Ultimas. In this software client’s general information is located. From this, clients can know his balance. 1.5 Methodologies A method involves a process or technique in which various stages or steps of collection data/information are explained and the analytical techniques are defined. A dictionaries of social science observes, “Methodology is the systematic and logical study of the principles guiding scientific investigation” The information that I used in this study is collected from the following sources: Primary Sources 1.Information discuss and observe 2. Daily dairy 3. Practical deskwork. Secondary sources 1.Various publication of SJIBL 2. Annual statements of the bank. 3. SJIBL website. 4. Different books about banking. All this Primary and Secondary data were collected, organized, analyzed and interpreted to draw some findings. 1.6 Limitation of the study I have tried my best to fulfill my report properly but there is some constraint during my internship period which otherwise would enabled me in making my study more appropriate and logical. The limitations were from side, the bank and as well myself. Foreign Exchange is too big to cover: Foreign Exchange is a too big to cover wholly in this limited scope. It required huge time and huge space to cover. So, I have covered only some important topics of credit management. Engaged in work: Every man of the branch was so busy in their work, so they were not able to provide sufficient care to make the internee’s clear about different topics. Time constraint: I had to prepare this report within a period less than three month which was not enough to prepare such a report. Because collection and arrangement of information is a time consuming job. Then again I had to summarize those. So I had to work in haste. Confidential matter: It is not possible to get all sorts of information due to official confidentiality. Lack of practical knowledge: For the lack of practical knowledge, some short coming may be available in the report. Because in some cases I could not practically involved because of bank’s limitation and riskiness. 2.1 Origin of the Word Bank The word “BANK” was borrowed in Middle English from Middle French Banque, from Old Italian banca, from Old High German Banc, Bank Bench, and Counter. Benches were used as desks to exchange counters during the Renaissance by Florentine bankers, who used to make their transactions atop desks covered by green tablecloths. One of the oldest items found showing money changing activity is silver Greek Drachma Coin from ancient Hellenic Colony Trapezes on the Black Sea, modern Trabzon, and c.350-325 BC, presented in the British Museum in London. The coin shows a bankers table laden with coins pun on the name of the city. In fact, even today in Modern Greek the word Trapeze means both a table and a bank. 2.2 Definition of Bank A bank is a financial institution and a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly or through capital markets. A bank connects customers that have deficits to customers with capital surpluses. Due to their critical status with in the financial system and the economy generally, banks are highly regulated in most countries. Most banks operate under a system known as fractional reserve banking where they hold only a small reserve of the funds deposited and lend out the rest for profit. They are generally subject to minimum capital requirements which are based on an international set of capital standards, known as the as the Basel Accords. 2.3 History of Bank In the recent era, the story of "the elite" commences with the development of the modern banking system in Middle Ages Europe. At that time, disposable wealth was usually held in the form of gold or silver bullion.
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