1

1.0 Executive Summary

North South University, being the most reputed educational institution in this country, has

always tried to incorporate the contemporary phenomenon into its curriculum. In recent days,

market exposure and practical orientation have become very important for business students and

therefore, the university has duly included a compulsory internship requirement of holding into

its regular BBA program running under the Department of Business Administration. BBA

Program conducted by North South University is a very much theoretical and practical oriented

program in the arena of business and non-business financial sector. Since, the students of the

program were engaged with very much theoretical course work, the internship program can give

them real working experience. The sole aim of the internship program is to blend the students

academic knowledge with that of practical ones and give them an insight into the management of

organization in real life situations.

In these 12 weeks of internship period, I have always tried to match my academic knowledge

with the real life situation. Sometimes it matched and sometimes not. But in these 12 weeks I

have gained so much practical knowledge about the corporate world which will be helpful in my

future life. In this report I tried to explain about my experience of these 12 weeks of internship at

Agrani Bank Ltd.

2

2.0 About Agrani Bank Ltd.

2.1 Introduction

Agrani bank Ltd., in pursuance of Bangladesh banks (nationalization) order 1972 (P.O. No-26 of

1972) came into being in 1971 taking over the assets and liabilities of the east while Habib bank

ltd. And commerce bank ltd. Functioning in the then East Pakistan. The bank started operation

with 249 branches with its head office in Dhaka. In principle, it changed its motto from class

banking to mass banking. As there had been poor banking structure and it failed to build sound

banking infrastructure by local entrepreneurs before independence and the newly born independent

country was down with enormous economic problem, the new govt. Agrani Bank being one of the

largest nationalized commercial bank must shoulder the responsibility of expanding its network in

rural area.

Agrani Bank Limited, a leading commercial bank with 899 outlets strategically located in almost

all the commercial areas throughout Bangladesh, overseas Exchange Houses and hundreds of

overseas Correspondents, came into being as a Public Limited Company on May 17, 2007 with a

view to take over the business, assets, liabilities, rights and obligations of the Agrani Bank which

emerged as a nationalized commercial bank in 1972 immediately after the emergence of

Bangladesh as an independent state. Agrani Bank Limited started functioning as a going concern

basis through a Vendors Agreement signed between the ministry of finance, Government of the

People's Republic of Bangladesh on behalf of the former Agrani Bank and the Board of Directors

of Agrani Bank Limited on November 15, 2007 with retrospective effect from 01 July, 2007.

Agrani Bank Limited is governed by a Board of Directors consisting of 13 (thirteen) members

headed by a Chairman. The Bank is headed by the Managing Director & Chief Executive Officer;

Managing Director is assisted by Deputy Managing Directors and General Managers. The bank

has 11 Circle offices, 29 Divisions in head office, 62 zonal offices and 899 branches including 27

corporate and 40 AD (authorized dealer) branches.

3

2.2 Departments of Agrani Bank Ltd.

Agrani Bank Ltd. (Rayer Bazer Branch) is organized with these departments:-

Divisions Activities

General Banking Account opening Cheque issue

Cheque Clearing

Payment order/ Demand Draft

Correspond with head office and other banks

Account and cash maintenances

Remittance

Foreign Trade/Exchange Evaluation of loan proposal

Loan management

Loan monitoring

Loans and Advances

Trade Finance/ Cash import

Providing L/C and other Facilities

Back to back L/C for Export

2.3 Peoples of Agrani Bank Ltd. (Rayer Bazer Branch)

Along with Manager Mr. Mokarram Ali Miah and second ManagerMr. Abul Kalam Azad , there

are in total 20 employees in Agrani Bank Ltd. Rayer Bazer Branch. Among them 16 are officers

with different designation like Senior Officer & Junior Officer and 4 are staffs including

messenger, security guard and cleaner.

4

2.4 General Banking of Agrani Bank Ltd.

I was assigned to do my internship program in the general banking division of Agrani Bank

Limited, Amin Court Branch. General banking is the heart of all business banking activities. This

department performs the main and core activities of the bank, operates the day-to-day transactions.

Few main sections or category of general banking divisions of Agrani Bank are:

Account opening section

Remittance section

Bills and clearing section

Cash section

Over my course of internship in Agrani Bank Ltd., I have several various sort of jobs and activities.

These working activities have definitely helped my knowledge and have given me a better

understanding of how general banking activities run in corporate branch of a nationalized bank.

Works that I have in Agrani Bank Limited are:

Opening accounts of customers online

Closing Customer Accounts

Writing vouchers for remittance

Giving entries of remittance manually and matching balance online

Writing and mailing amendment letters

Writing and printing thanks letter to customers whose accounts have been opened

Replying to letters sent by head office

Searching for different account holders in bank database

Printing Balance Statements

5

Sending different letters to dispatch section of the bank

Saving transaction records in computer.

Closing and transfer of different types of accounts.

Keeping good relation with valued customer.

Providing necessary support to the customers.

3.0 About Myself

3.1 Interaction with Supervisors & Co-Workers

I was supposed to report directly to my supervisor (Branch Manager). For any kind of interaction

with operation manager or other coworkers, we need to talk to them with personal direct

communication. At the dawn of the day the Operation manager distributes projects, tasks and

other responsibilities. And after completion or specific time we need to report to him or the

officer who is responsible for it. I used to send a request to my supervisor and co-workers before

going to his/her desk via intercom or by sending message through the messengers.

Whenever I felt little down or was tired, my supervisor and other colleagues always cheered me

up and overall environment was always lovely because of them. But I also noticed when it comes

to do their jobs; they are always very serious and cautious. As banking activities are very

sensitive and involves transaction of customers money, everyone was always careful in their

jobs. But as I was new, I sometimes made mistakes but they always helped me overcome those

problems. I also noticed how they always value customers above everything else. They always

have a mindset to always help the customers in every way they can. I have to admit I was quite

impressed by their dedication and integrity by which they served their customers. I also tried to

be like them, moreover, they made me think and work like them. I also tried to follow them and

6

tried to provide best possible service for my customers. I really enjoyed working with them and

consider myself lucky to have this opportunity.

3.2 Difficulties that I have encountered

While working in this bank I faced different types of difficulties but the friendly behavior of my

supervisors and co-workers always helped me to solve those difficulties. While opening account

at very first level I used to get stacked. Sometimes I did mistake for filling the information for

the client, sometimes I wrote on the wrong field. At very initial stage I forgot to take the

signature from the customers in account opening form or other papers. But my supervisors was

very much helpful, he gave me courage to do the work fearlessly, thats why I did the jobs

confidently and the number of errors become zero.

Sometimes I had difficulties with communicate with the customers as I had to ask different types

of question for the A/c opening and the customers are not ready to answer those, at that time my

co-workers always helped me out of the situation. This is very motivating factors to work in that

type of environment.

When I was working in the foreign exchange department I used to write different types for

vouchers. Sometimes I made mistakes in the narration part and the amount part of the voucher.

But when I informed to my supervisor for it, he just omit it and gave me new one and also

encouraged me saying that it was nothing. This behavior helped me to work with confidently and

efficiently.

7

3.3 Lessons Learned from Internship Period

Working in the bank enabled me to understand some aspects of being successful as an

employee. The first thing I realized that communication is usually an essential aspect to success.

It is also important for an individual to have the ability of multi-tasking during the working

hours. This will make him flexible in the work place. In banks, it is usually mandatory to ask the

right questions at the appropriate time. On the other hand, I also realized that is important

maintain punctuality in order to be successful. At the same time, one should have the ability to

network with people in the field of his profession.

While working at the Agrani Bank Ltd. I have gained or improved below listed skills:

Skill Area My Learning

Technological Skill Learned operation of most popular banking

software called FLEXCUBE which is

operated by Oracle. Also learned operation of

PcBank and Robust DC software.

Personal Development Learned about time management, punctuality,

professionalism. Also improved doing

multitasking job at a time.

People Skill Learned how to build network through

communication, how and when to show

empathy. Improved the ability to trust others.

Also learned about leadership skill, how to

8

motivate others and how to manage the conflict

etc.

Analytical Skill Got the knowledge about where, how & when

data can be found, the importance of a data and

where to use that data and effectiveness of a

data.

3.4 Comparison of Academic Learning & Internship experience

BBA Program conducted by North South University is a very much theoretical and practical

oriented program in the arena of business and non-business financial sector. Since, the students of

the program were engaged with very much theoretical course work, the internship program can

give them real working experience. The sole aim of the internship program is to blend the students

academic knowledge with that of practical ones and give them an insight into the management of

organization in real life situations.

When I started my internship program, initially it was a bit difficult to understand what was going

on around me. I felt like I knew nothing and I will not be able to do anything here. But as time

passed by, I started to get a better grasp about the working activities that was going on around me

and I started to understand some of the activities. There were many times when I was told to do

something and when I did the job, my supervisor told me I did the work incorrectly. Many times I

felt depressed but then my supervisor explained how I was wrong and what I should have done

instead, I found out my thinking was now wrong. And there were also some situations where my

academic knowledge helped me extremely while doing my internship program. My supervisor

9

praised me several times and appreciated my work. He also taught me ways how to do jobs more

accurately and how to provide better service to customers at all time.

So it can be said that real life experience and academic knowledge are not similar always. Real life

situations are far more practical and sensitive to different factors and these situations frequently

changes. But if we shape our academic knowledge according to the needs of real life application,

these academic knowledge can be very helpful in dealing with real life problems and can provide

us a guideline as I was helped during the course of my internship program.

3.5 Differences between My Expectation & Experience

I experienced lot of thing in Agrani Bank Ltd. which are different from my expectation. Some of

those are as below:

I was expecting that this bank will be modern as like other banks. But my expectation was

wrong. But the bank is not as modern as other banks.

As I am a student of Finance major, I was expecting that I will be assigned into the finance

related job. But I found not a single job related to finance as the branch dont need to do

anything for the finance related. The software and head office do that.

I was expecting that the officers of this branch will not be helpful but I reality they are very

helpful and friendly.

I never expected that Ill be provided training along with the officers of the most updated

banking software called FLEXCUBE which is operated by Oracle.

Whatever my expectation was, after completing my internship at Agrani Bank Ltd. I can say that

I have experienced a lot about banking world which will definitely help me in my future life.

10

3.6 Internship Experience and Career Plan

As I have done my major in Finance, I always had a dream to see myself working at a financial

institution someday. Working in a bank was also a possibility for me and after working here for

last few months, I must say, I see myself working in a financial organization even more. I have

heard many people saying that banking job is a boring job and so on. But in my experience I think

it is a fun job if we work in a good environment and with right people. I got just that in my

internship at Agrani Bank Ltd.

I have seen how cautious and punctual employees are when it comes to serve their customers.

Customers always get utmost priority. Everyone always put focus on meeting their deadline of

submitting and completing a job. But at the same time, there is a friendly environment and

everyone is helping each other. This working environment always soothes a person and he/she

feels that they belong there and they are not outsiders which happened with me also.

This internship procedure has made me realize that I belong in this kind of working environment

and I may consider this in the future and I may build my career in banking sector. Although future

is uncertain and no one knows what will happen in the future. I may end up somewhere else but I

would very much like to see myself working as a banker in the future. I loved the generosity with

which my colleagues guided me throughout my journey. They constantly motivated me and taught

me different things about working in a bank. I also liked that there is always a chain of command

in the bank and every decision follows the same guideline and is dealt with utmost care.

Whenever I had any trouble, my supervisor and other colleagues always helped and I knew they

will always provide me right guidance. This internship has definitely given me a reality check.

Banking job may not be that easy, sometimes it can be a bit tough but the experience and social

11

status someone gets by working in a bank is definitely worth the toughness of the job someone has

to go through.

3.7 Drawbacks

This internship was a great learning experience for me and it gave me an opportunity to taste real

world situations. But on the other hand, there have been a few shortcomings too which I have

witness while this internship was going on. I have seen that there are some weaknesses which

Agrani Bank experiences as a bank. Sometimes I have witnessed customers who come into the

bank with a perception that as it is a nationalized bank, it will not provide top notch service to its

customers. There is already a negative image imprinted on the minds of the customers which is a

major problem.

Another problem at Agrani Bank is that managerial efficiency here is not as good as its other

competitors which are private. Many employees do not have excellent command on modern

technological devices. There is a lot of bureaucratically designed barriers too which existed in

Agrani bank. A decision which can be made easily has to go through many processes which

consumes time and makes it lengthy and tedious. Promotion process here is sometimes flawed.

Sometimes people who are not credit worthy enough to be sanctioned for huge amount of loan

may be waived because of biased. Transfers of employees are also sometimes influenced and

controlled by other factors. Also employees at Agrani Bank Ltd. Are paid less than employees who

work at private banks so they may be are not highly motivated all the time.

Another fact was it was an unpaid internship. Its not that money was my first priority, I did it for

the experience and I have learnt a lot. But still, getting some return in monetary forms would have

been nice.

12

4.0 Conclusion

All in all, this internship was a great learning experience for me. It has given me a real world idea

about financial institutions. I also got the opportunity to apply my academic knowledge and dealt

with real life problems. This experience has provided me a guideline in which way I should pursue

my career in the future. I also get to work in a corporate working environment where everyone is

helpful and at the same time, gives utmost priority to the customers. I have learnt many general

banking activities while working in Agrani Bank Ltd. More importantly, I learnt how to work as a

team and the experience that I have gathered is invaluable.

Regardless of how much one thinks ones has learned about his chosen career from studies one will

learn so much information and acquire so many skills from an internship. One can never be really

clued up on what a job entails until one has been working practically in that role. An internship

provides the opportunity to gain hands on work experience that one just cannot get in the

classroom. First time job seekers arent usually desirable candidates, but companies are willing to

train them as interns and give them the experience they would need to get a job. I consider myself

lucky to have this opportunity and work as an intern at Agrani Bank Limited.

13

Appendix

14

5.0 Appendix

5.1 Internship Journals

Journal 01

I started my internship on 12th January, 2015 at Agrani Bank Ltd, Rayer Bazer Branch Dhaka. I

passed my first day by introducing myself with all the officers of the bank. As I walked in my

first day, I was greeted with cheerful smiles and positive attitudes. The Branch manager, Md.

Mokarrom Ali Miah, introduced me to each person present and gave me a description of what

types of things they work on. He showed me various departments within the work center, such as

the A/C opening department, cash department, and check clearing department, pay-order & TT

department, and credit department. Then I asked to start my job with general banking department

under Mr. Abdul Kadir , Who is in charge of general banking and clearing department as well as

transfer department. As I was the only one internee in the bank and there was one officer who is

managing the account opening department, I passed the whole week in that department. The

bank had different types of accounts such as savings account, current deposit account and ABS

(Agrani bank sanchaypatra) and APS (Agrani bank pension). Different account needs different

types of document and every account has unique features. The most important thing I learned in

that week about the PC Bank operation. PC Bank is a software which is used by most of the

banking organization of Bangladesh. When a client is done with account opening, a bank or

account opening officer has lot to do then. And I learned most of them in that week. When the

account form is full ok, a unique number is given to a client which is known as an account

number. In that software I had to enter all the information from the a/c form using that account

number then I had to scan the signature card.

15

Journal 02

I worked the first two days of the 2nd week in the account opening department as usual. As I was

comfortable doing that job, I was assigned to clearing department. My supervisor, Md. Abdul

Kadir, was helping me out at first with how the clearing department work. First two day he

showed me how to endorse a check and cross sign the check and put a clearing seal in check any

of those missing from the check the likely to return. After two days, I started doing clearing

myself. In clearing first I had to verify all the information in the check then accepted the check

from the customers. Only others bank check are went through clearing. After collecting all the

checks I had to endorse, crossing and put clearing seal. Then I had to total the amount, then I had

to fill up a MODA form, stating the total amount and how many checks are went for clearing.

Then I had to write a single debit voucher for clearing amount. The MODA form had four parts,

two of them went to principal branch and two of them was for branch purpose. After MODA

form I had to fill up base form for the total amount stating the number of checks, amount, date,

MODA number and branch code. After finishing that with the sign of manager those checks

were sent to regional office then to principle office and then Bangladesh bank for clearing. In

second week I also asked to open account and provide check books to the customers and entry

the check book number in the PC. To get check book customer had to fill up A/B form. We

provided both MICR and Non MICR check book. So I can say that I enjoy very much in my

second week of work.

16

Journal 03

This week I worked in the cash department. In this department the main task is to pay and

receive cash from customers. Cash department is divided into 2 sub-departments. One

department is for receiving electric bill, telephone bill, and other bills. And another department is

for receiving and paying cash/check payment, pay- order/demand draft etc. that week I worked

with cash in charge (MD. Zahidur Rahman). His job is to confirm high value payment, give limit

amount to the account officer, process account to account transfer etc. While working with him, I

learned different type of critical task that was related to my accounting courses. All the cash

officers start their day with receiving cash from the cash in charge. Each one has a cash limit.

Bank owns a parking account where the banks total cash balance is reserved. At first cash in

charge debit that account in the pc bank software then he gives the amount to the cash officer.

Then the cash officer credits that amount in his parking account and do the transactions. This

week I worked in cash in charges pc and did the all task of debit and credit. I also did the

account to account transfer job of salaries for different organizations, schools, as well as various

types of NGOs such as BRAC, ASHA. At first I debited organizations mother account then I

credited each of the employees account. While doing this job I find my account courses very

helpful because in those courses I learned about debit and credit in details. So selected

employees had to go for the training and along with them I also got the chance to be trained of

the new system. In that system I was introduced with oracle system, flex cube software, UNEX

software. There I learned all the operations of cash department, general banking department,

credit department, remittance department and mostly important the task of operation managers

in the new system. I also did all daily necessary task as well.

17

Journal 04

Now I am in my 4th week of internship and I know much about daily activities of a bank. This

whole week I worked in the remittance department. There was one officer assigned in this

department (Mrs. Aklima Akter). Her job is to pay remittance sent by the people who living in

abrade. So on the first day of this week the officer showed me how to give remittance to the

customers. Agrani bank provide service to customers over 150 countries around the world.

People from different places sent their hard earn money legally using Agrani bank remittance

service. The service includes western union, IME, prabhu, fast remit, easy cash, Money gram ,

infinity money express , xpress money and instant cash transfer. In all cases the sender is given a

unique pin code consisting of numbers, which is necessary to withdraw money. Receiver have to

show the code to the bank officer and fill up a form. Receiver have to provide an id card,

photocopy of passport, driving license or any other national identification, which will prove

receiver identity. Remittance officer check all the information for both receiver and sender, if

everything is okay then officer is clear to give money. In this week I also gave check books,

receiving check book requisition, writing check for FDR & Pay Order and entering them on the

PC. So on this week the officer showed me how to do those job and how to enter those into the

PC. Those are relatively easy jobs. Only just have to be careful while writing those check and

gave remittance to the people. I also send some mails on behalf of the manager to other branches,

head office and to the important clients informing all the activities regarding banks activities.

While writing those mails, I used my knowledge that I learnt in business communication course.

There I learnt how to write a formal letter and how to start the writings. This whole week I

worked with lots of pressure. I learn vary interesting facts in this week.

18

Journal 05

This week was very important for the whole bank. In this week the bank started to work with

new system named Core Banking System (CBS) which is operated by Oracle. Though it was

completely new system from the previous system (PcBank), 2 new IT officers from Head Office

came to help the existing officers of the bank. Among other officers I was also chosen as the

trainer. As I got full training on Flex Cube Database system, on the 5th week I was assigned the

job to help the officers to do their job in the new system. I started from the account opening

section. Now, after completing the form it needs to be entered into the system then an account

number will be automatically provided by the system. Though it takes time to enter all the data

into the system, and there are lots of clients to open an account, the officers instructed other

internees to help the clients to fill up the form completely then hand over the form to the officer.

And he will enter those into the system. After entering the data into system, the process is not

completed until it is authorized by the Branch manager. When the complete form is entered into

the system, Branch manager authorized the account from operation managers pc. In that week, I

also got some problems in running the program which was not faced in the training season. So,

along with me other officers also learn how to solve those problems from the IT officers. I

learned some important operation of the new system. We spent the whole week as like we

worked in a newly opened bank. We all enjoyed the week very much. But there was problem

with the customer service. But I think everything will be alright after working some week with

the new system.

19

Journal 06

In this week I worked in the Foreign Exchange Department. Though I was new in this

department, at the very first day of the week, the officer in-charge of the Foreign Trade

Department described me about the different terms & condition and work policy about the

foreign exchange. I did completely different types of works in this department like LC-F form

fill up, different types of voucher writing, forward letter writing, supplementary balancing etc.

LC-F form is the form used for the issuance of LC. I prepared some LC-F form with the help of

previous form. And also assigned individual LCAF number to those forms. Then I wrote

different types of vouchers like single debit voucher, single credit voucher, party account debit

voucher, party account credit voucher, IBDA voucher etc. While writing those vouchers I also

learned about the use of those vouchers and I think itll help me in future if I want to build my

career in the foreign trade department or want to do business related with foreign department.

Forwarding paper writing is another important and regular work in the foreign exchange

department. This letter should be sent to correspondence party to accomplish the LC process.

Following the previous paper, I prepared several forwarding paper and then the officers sent

those to concern parties. At the end of the each day the supplementary must be printed out and

those need to be balanced with the voucher generated in the all day long. And after balancing the

voucher is preserved at the store room for future issue. Though it was not my job to prepare

supplementary, I learned how to prepare and match it and how to preserve it. While working in

this department I didnt find anything similar to my BBA courses because it was completely new

and different from normal banking idea. Working in the foreign exchange department is very

interesting than working in other department. Here I learned so many new term and processes

which will help me to build my future career.

20

Journal 07

Now I am on my 7th week of internship I worked in the General Banking (GB) Department. As I

worked for more than 2 months in the bank I thought I had learned everything about banking.

But I was wrong. While working in GB I have learned so many new things. In Agrani bank, two

officers are responsible for maintaining GB department. I worked under those officers and they

showed me what they do every day. I observed that they did the most important work in the

bank. They had to maintain the day to day activities of all the officers. They had to maintain the

daily budget of expenses. They showed me how they maintain the daily budget. And also how to

record these expenses in the file as well as in the new CBS system. I had learn the process how

to ask for the permission. They are also responsible for a/c closing; FDR/DPS redemption; Block

amount/ Stop Payment/ Check Book stop etc. All these are done through the CBS system and

they showed me how to do this. In this week I have closed several A/Cs after getting application

from the A/C holder. On my seventh week of internship, I had to deal with different customers

with different purposes. I had to deal with accepting deposit, giving information about the rules

and regulations, saving deposit, short term deposit, fixed deposit receipt etc. I had to give

information about the interest rates regarding fixed deposit accounts etc. I had learnt many new

things this week. In ninth week of my internship I was in charge of GB department all the

necessary work that need to done was done by me. By this time I was aware of all the necessary

work that was done by GB department. I enjoyed my time in this department.

21

Journal 08

I worked the first two days of the 8th week in the account opening department as usual. In this

week I was assigned to do the entry of data in the PC. My supervisor, account opening office,

was helping clients to fill-up the form, then after completing the process he passed the form to

me to enter all the data in PC. On the 3rd day of the 8th week When I was working on the PC, a

client came to open a Fixed Deposit account of Tk. 10,00,000/-. But he wanted to make 3 people

as nominee of the account. He wanted to provide the share percentage as 50%, 25% & 25%. But

as per new banking rules one can make nominee only one person. But the client was determine to

do so. So with the permission if the branch manager we opened 3 different accounts of Tk.

500,000/- ; Tk. 250,000/- & Tk. 250,000/- and make one nominee for each account. On that day

branch manager told me to work on that PC. So from that moment, I started to entering data from

that PC. While working on PC, I learned some other important functions of the PC Bank

software which was not enabled in other officers PC. Because it was high level PC and that PC

was specialized and it can override any command given by other PC. That was most powerful

PC in that bank, only that PC had some extra facilities which were not available in other officers

PC like editing option, A/C freeze option, A/C close option, interest rate change option etc.

So I was showed how to do those and also told to check banks mail every day. In 9th week of my

internship I was told to stay in this department and continue to work all those work as usual. I

enjoyed those work very much.

22

Journal 09

On my 10th week of internship, I did works like opening accounts, giving entries online, checking

online forms manually, doing clearing of cheques, transfer entries. I mostly did works which I

have done in my previous weeks. I also gave entries for remittance, printed thanks letters, and gave

reply to mails sent by main branch of Agrani bank etc. I learnt how to give balance statements and

how they Debit and Credit those accounts. Anything that received they credit that and cash

withdrawal Debited. And different branch has different ID numbers. I had done some work about

foreign demand drafts previously. This week I also learnt more about how to write Foreign

Demand Drafts and how much sensitive those are and how the money goes away from the country

and also come to the country by using different nostros. In this week also learned how to do transfer

entries. Transfer entries is one of the most important work done by bank. Any bank or branch had

to accountable for each of transaction. After 4:00 PM when the banking hour is over. It was time

for transfer. All the transaction that was done should be match the computer entries and all the

vouchers, cheques, MODA, MO. I also assigned my 11th week in this department. My

achievements for this week would be that I have mixed with the people with banks and also with

the customers and learnt the procedures, rules and the bindings of a bank to make or give banking

facilities. The thing I have noticed that bankers whatever they do they make sure they are right

first attempt. They have a very high focus and aware of their responsibility.

23

Journal 10:

As this was my last week of internship, the manager gave me permission to work in any

department I wish to. So I didnt work in any particular department. I worked almost every

department whenever the officers needed help I helped them. Though it was my last week and

there was not so much work load nobody asked me to do any kind of special job. They asked me

to do small tasks like helping clients to fill up a/c opening form, writing FDR/Pay Order Cheque

leaves etc. I also worked on some other things this week like checking old data and searching

information from banks database. At the very last day the manager told me about the

responsibility of an officer and also instructed me how to behave in the professional life to

become successful. On the last day of my internship, my supervisor took me out to lunch. It was

a very heartwarming experience for me as I have never experienced anything like this before so

it was very nice of him. In these 12 weeks of internship I have learned many new things, made so

many bonding with the officers and finally prepared myself for the banking job. I hope this will

help me not only to get job in the banking sector but also in other sector. It was really a great

journey for me to have a great experience about the banking life.