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United International UniversityDepartment of Business Administration
Internship Report
On
Borrowers Perception On Prime Bank
Limited
Sumitted to!
Dr. Mohammad Musa
Professor
Business Administration
Sumitted y!
Shariful IslamID: 111092072
BUS!99
Ma"or: AIS # Minor: $inan%e
Department of Business Studies &BBA'
1 ( P a ) e
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L"##"R O$ #R%&S'I##%L
Dr. Mohammad Musa
Professor
Business Administration
United International Uni*ersit+
Su,"e%t: Sumission o( Internship Report o( Prime Bank Limited)
Dear Sir-
It is m+ pleasure to su,mit m+ Internship eport on Borrowers Perception on
Prime Bank Limitedas a re/uirement of Internship %ourse- BUS!99.
I tried m+ ,est to )ather rele*ant information for %onstru%tin) a %omplete report as
outlined. he preparations of this report ena,le me to a )reat etent to %omplete m+
theoreti%al no3led)e 3ith pra%ti%al anal+sis. I 3ould lie to epress m+ profound
)ratitude for +our ind and %ons%ious )uidan%e in preparin) m+ report in the )i*in)
time.
han +ou *er+ mu%h for +our heartiest %ooperation.
4ours sin%erel+-
BBA 051thBat%h- Ma"orAIS
ID no111092072-Department of Business Department-
United International Uni*ersit+
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%*+&O,L"-"."'"
$irst of all I 3ould lie to epress m+ )ratitude to omnipotent and almi)ht+ Allah-
3hose in*isi,le )uidan%e helped me to %omplete this report. Althou)h- time 3as *er+
limited for )ettin) the suffi%ient no3led)e a,out all of ,anin) ser*i%e- ,ut the short
eperien%e that I )athered as an internee- in Prime Ban 6imited on SatMas"id oad
Bran%h an asset for all the time to %ome in m+ life. I tae the opportunit+ to epress
m+ deep sense of )ratitude of m+ re*erend super*isor- for his in*alua,le su))estions
and )uidan%e durin) the stud+ period that has )reatl+ inspired me in preparin) this
report su%%essfull+.
I am hi)hl+ thanful to all of the emplo+ees of Prime Ban 6imited- SatMas"id oadBran%h for their support that helped me to prepare this report. All of them are *er+
fran and helpful e%eption. I %ouldnt thin a sin)le moment that I am a student of
internee in that ,an the+ help me as his emplo+ee. Besides I ha*e spe%ial
appre%iation to3ards follo3in) resour%e person for helpin) me:
Md. 8mar a,ir- i%e President.
Md. Aminur ahman Aanda- Assistant i%e President and Mana)er
8peration.
Shah Mohammad Mohsin- $irst Assistant i%e President.
Md. Masud Uddin Ahmed- $irst Assistant i%e President.
Md. ofi/ul Islam- ;e%uti*e 8ffi%er.
Sharmin ahman- ;e%uti*e 8ffi%er.
Md. ;shtia Masud- ;e%uti*e 8ffi%er.
$aria Aaiamul $arid- Senior 8ffi%er.
?ahir Uddin- Senior 8ffi%er.
Md. @olam Mostofa- 8ffi%er.
Md. Saidu
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ABSTRACT
his report is an out%ome of the internship pro)ram under the BBA pro)ram re/uirement in
the Prime Ban 6imited. Durin) m+ internship in the or)ani
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( P a ) e
Learnin/ O?ectives!
0) Statement o( the Research Prolem
3) O?ective o( the Study
6) 'ethodolo/y o( the Study
7) Scope o( the study
IN
TRODO
N
*1%P#"R 20!IRO-U*#IO&
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1.1 Statement of the Research Problem:Statement of the Research Problem:
In )eneral sense 3e mean GBanH as a finan%ial institution that deals 3ith mone+. here are
different t+pes of ,ans lie entral ,an- ommer%ial ,an- Sa*in)s ,an- In*estment
,an- Mer%hant ,an- ooperati*e ,an et%. But 3hen 3e use the term ,an it )enerall+
means %ommer%ial ,an that %olle%ts the deposit from surplus unit of the so%iet+ and then
lends the deposits to the defi%it units.
>o3a da+s ,anin) se%tor is moderni
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retained- %osts to ,e mana)ed and shareholder *alue to ,e %reated- all in an in%reasin)l+
d+nami% and international en*ironment- 3here failure on an+ of these %ounts %an s3iftl+
lead to the attention of predators- ,oth domesti% and international.
Important to the su%%ess of a finan%ial ser*i%e or)ani
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$rom different ,oos and periodi%als related to the ,anin) se%tor.
$rom internet.
Annual report of Prime Ban 6td.
Pu,lished Boolet of Prime Ban 6td.
arious pu,lished do%uments.
-ata *ollectin/ #echni@ue!
$ort the purpose of the stud+ t3o methods of te%hni/ues used:
8,ser*ation
Inter*ie3
Oservation!
8,ser*ation method is often used to %omplete this /ualitati*e resear%h ,e%ause it is *er+
diffi%ult to pro*ide an+ spe%ifi% eample from an+ file a,out %ertain do%ument- as the
matter is *er+ sensiti*e for the %lient as 3ell as for the ,an.
Interview!
Primaril+ some data are %olle%ted from fa%etofa%e inter*ie3 of different emplo+ees of
Prime Ban 6imited at Sat Mas"id oad Bran%h. B+ fa%e to fa%e %on*ersation 3ith the
Borro3ers and ,+ personal inter*ie3in) it is eas+ to %olle%t the a%%urate
information for the stud+. $or the purpose of this inter*ie3- %ustomers 3ere ased
to fill up a /uestionnaire. Based on their ans3er- it is eas+ to "ustif+ the Borro3ers
Per%eption on Prime Ban 6imited.
1.$ Sco%e of the Stud:
he s%ope of this report is limited to the o*erall des%ription of the
BanK8r)ani
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11 ( P a ) e
Learnin/ O?ectives!
0) Back/round o( Prime Bank Limited
3) Principle activities o( the Bank
6) 'ana/ement 1ierarchy
7) &etwork o( the Bank
:) Ratio %nalysis o( Prime Bank Limited and
their *ompetitors %B Bank Limited
5) S,O# %nalysis
9) Loan *alculator o( Prime Bank Limited
INT
RODUC
TIO
N
*1%P#"R 23! *O'P%&8
PRO$IL"
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2.1Bacround of Prime Ban& 'imited:
Durin) the ,oomin) +ears of the ,anin) industr+ of Ban)ladesh- a )roup of hi)hl+ silled
lo%al entrepreneurs %ame up 3ith an idea to float a %ommer%ial ,an 3ith a differentoutloo. he idea 3as to ,uild a ,anin) or)ani
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0) ">tendin/ credit! Pro*idin) %redit to the %lients of the ,an is one of the ma"or
a%ti*ities of the ,an. 6oans and %redits are a*aila,le under different heads- lie:
%ommer%ial loan- loan s+ndi%ation- retail loan- pro"e%t finan%e et%.
3) Import A ">port usiness! he ,an is also effi%ient in import and eport ,usiness.
he)ro3th rate of import ,usiness is CL and )ro3th in eport ,usiness is 11L. he main
items of this ,usiness are: leather- read+made )arments- shrimp- ma%hineries- materials et%.
6) Retail Bankin/: A ,an lie Prime Ban 6imited that )oes 3ith superior ,rand
e/uit+ and a uni/ue ,rand ta) line Ga ,an 3ith a differen%eH- puttin) supreme emphasis on
retail ,usiness has an untapped potential to )enerate *alue. his potential of retail ,anin)
%an ,e tra%ed 3hile thinin) a,out the 6ines of ,usiness in an inno*ati*e 3a+. An effort ,+
retail ,anin) toeplore the untapped ma+ help indu%e those- 3ho 3ait to sa*e mone+ to
,u+ their desired lifest+le at a future time- to %ome and a*ail the retail ,anin) ser*i%es.
etail ,anin) %an pla+ a *er+ si)nifi%ant role in this respe%t ,+ epandin) the prin%iples of
opportunit+ %ost- mar)inal or in%remental and time *alue of mone+ a)ainst the utilit+ of the
desired households. A %onsumer- ,u+in) a retail produ%t throu)h a retail fo%used ,ran%h
ma+ ha*e a small ,usiness ,+ himself 3hi%h ma+ )ro3 ,i) o*er time and ,e%ome a )ood
%orporate %ustomer or su%h a %onsumer 3ho is happ+ 3ith a ,ans ser*i%es- ma+ ,e
3orin) in a %orporate entit+- ma+ influen%e to tae finan%ial ser*i%es from the ,an. hus
retail ,anin) %an enter deep into the heart of the %onsumers 3hi%h is the essential in
,uildin) lon) term %ustomer relationship.
7) *redit *ard!er+ stiff %ompetition pre*ails in %redit %ard maret. Man+ pla+ers ha*e
entered the maret and %ompetition is )ro3in). Prime Ban 6imited started %redit %ard
operation in 1999 ,+ introdu%in) Master ard and is no3 a prin%ipal mem,er of ,oth3orld3ide a%%epted plasti% mone+ net3or i.e. Masterard and ISA thus positioned itself
3ith stron) footin) 3ithin the industr+. It etends *arious ser*i%es to the %redit %ard
%ustomers *i
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%on)enial lendin) produ%ts and ser*i%es so that SM;s %an aspire to opportunities of )ro3th
and 3ealth %reation.
5. $inancin/ women entrepreneurs under S'"!Another nota,le idea in SM; finan%in)
is the de*elopment of 3omen entrepreneurs. Ban)ladesh Ban has earmared 10 per%ent of
SM; related fund for 3omen entrepreneurs. he ,an has desi)ned a separate produ%t
GAn%horH for 3omen entrepreneurs. In the ne3 frame3or of SM;- PB6 is )i*in) top
priorit+ in de*elopin) and harnessin) 3omen entrepreneurs.
9) Islamic Bankin/: Prime Ban started its operations in the +ear 199C as a ,an 3ith a
differen%e- ,lendin) its %on*entional ,anin) s+stem 3ith that of Islami% Banin)
operations ,ased on Shariah prin%iples. $i*e of the ,ran%hes of the ,an pro*ide Islami%
Banin) operations to ser*e the in%reasin) demand of %ustomers for Islami% Banin)
produ%ts and ser*i%es. 8,"e%ti*es of laun%hin) Islami% Banin) 8perations in Prime Ban
are as follo3s:
o %ater to the needs of %ustomers 3ho 3ant to ha*e ser*i%es in Islami% Modes#
o introdu%e the partnership %on%ept of ,usiness operations#
o arran)e for ensurin) "usti%e in distri,ution s+stem use of funds#
o do other a%ts an%illar+ to the esta,lishment of eploitation free so%iet+.
;) 'erchant Bankin/!Mer%hant Banin) and In*estment Di*ision &MB1D' passed
another *er+ su%%essful +ear sin%e it started its "ourne+ four +ears a)o. Durin) 2009- the
%ountr+s %apital maret 3itnessed man+ si)nifi%ant e*ents ran)in) from ,reain) man+
re%ords to poli%+ %han)es. And as our maret matured- 3e 3ere a,le to a%hie*e si)nifi%ant
profit )ro3th and also %ontri,ute to the de*elopment of the maret. In 2009- as per the
,oards ad*i%e- MBID %on%entrated on pro*idin) unparallel portfolio mana)ement ser*i%es
to our %ustomers. he num,er of %ustomers 3ent ,e+ond 2-000 3ith a portfolio si
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'onthly Bene(it -eposit Scheme 'B-SC! Under this s%heme %ustomer %an
deposit a fied amount of mone+ for fi*e +ears .he amount has to ,e 100-000 or multiple
of 100-000 he D she 3ill re%ei*e 900 per month as interest on e*er+ la% durin) those fi*e+ears.
-oule Bene(it -eposit Scheme -BSC! Under this s%heme a %ustomer %an eepa
fied amount of mone+ for si +ear end of the maturit+ period the amount 3ill ,e%ome
dou,le .he amount has to ,e multiple of 2C000.
$i>ed -eposit Receipt Scheme $-RC: Under this s%heme %ustomer %an de*ote a
fied amount of mone+ for one month- three months- si months or t3el*e months forinterest rate of 7.CL- 11L or 11.CL.
*urrent %ccount! urrent A%%ount is a non interest ,earin) %he%a,le deposit
&Demand Deposit' 3hi%h allo3s the o3ner of the ,an a%%ounts to 3rite %he%s to third
parties.
Savin/s account! Sa*in)s A%%ount is an interest ,earin) %he%a,le deposit
&>e)otia,le order of 3ithdra3al' 3hi%h allo3s the o3ner of the ,an a%%ounts to 3rite
%he%s to third parties.
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02) *ustomer *are! PB6s firm %ommitment to e%ellent %ustomer ser*i%e deli*er+ has
resulted to remara,le pro)ress in all areas of operation durin) 2009. PB6 adopted *arious
pa+ment and transa%tion produ%ts and ser*i%es for smooth pa+ments and transa%tions for
the %ustomers. hese in%lude ,oth traditional and modern produ%ts. he ,an is no3 full+
online. raditional produ%ts are used sin%e in%eptions and still dominate the lion share of
the pa+ment and transa%tion of the %ountr+ as the >Bs are still la))in) ,ehind modern
te%hnolo)+ appli%ation. As su%h the traditional produ%ts remained main produ%t for semi
ur,an and rural areas 3here PB6 operates. Eith the li,eralie3 produ%t de*elopment-no3 +our %ustomer pro)ram and redesi)n the eistin) produ%ts 3ere the strate)ies
adopted ,+ the ,an to ser*e the %ustomers differentl+ from the %ompetitors. he
%ontinuous impro*ement in deli*er+ of produ%ts and ser*i%es- redu%tion of turnaround time
for loan pro%essin)- online deposits and remittan%e pa+ment has made the e+
differentiation for 3innin) the %ustomer satisfa%tion. he ,an introdu%ed AM fa%ilities
for the %ustomers in 2005. here are also arran)ements 3ith another ,an for sharin) their
AM ,ooths 3hi%h in%reased the %o*era)e of the Ban o*er 00 AMs lo%ated at different
areas of the %ountr+. he ,an has introdu%ed internet ,anin) in 2009 and has planned to
add De,it %ard- SMS Banin) and ios to its produ%ts and ser*i%es ,asets.
00) Research A -evelopment (or customer Satis(action: In this %ompetiti*e ,usiness
en*ironment- esear%h De*elopment &D' a%ti*ities are thou)ht to enri%h the ,an
3ith ne3 and impro*ed produ%ts- pro%ess and ,usiness a*enues. In that pursuit- PB6s
D a%ti*ities are fo%usin) on three %ore areas: maretin)- operation and ,usiness poli%ies.
D has %ondu%ted num,er of maret sur*e+s and studies on ,usiness related issues 3hi%h
ha*e helped the mana)ement to tae de%isions more appropriatel+ and pro*ide ser*i%es to
%ustomers more effi%ientl+. Some of the initiati*es 3hi%h ha*e assisted the Mana)ement are
hi)hli)hted ,elo3:
;mplo+ee Attitude Stud+
Business $easi,ilit+ Stud+ on Settin) up Bran%h- SM; Ser*i%e enter- AM.
Bran%h SM; Ser*i%e enter ;pansion Pro)ram 2010
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Produ%t De*elopment Stud+: A,ash a =ouse Buildin)
6oan produ%t for %onstru%tion of SemiPu%%a =ouse
Pro"e%t on Premium Banin)
e*ie3 of ustomer Ser*i%e ampai)n 2010
@uideline for Promotin) Prime Ban redit ard
eport on ommodit+ Marets on ;i)ht ommodities &Monthl+'
Pu,li%ation of In $o%us A Monthl+ >e3sletter of D Di*ision &Monthl+'
on%ept >ote on ;nsurin) Ser*i%e Fualit+
on%ept >ote on ;nsurin) Ser*i%e Fualit+
M+ster+ Shoppin) Sur*e+ on all entre.
03) O((shore Bankin/! PB6 is %aterin) the ,anin) re/uirement of nonresident
%ustomers throu)h 2 8ffshore Banin) Units &8BU' lo%ated in Dhaa ;port Pro%essin)
None and hitta)on) ;port Pro%essin) None. 8ffshore ,anin) a%ts as a uni/ue solution
for Bans a%ross the )lo,e to %arr+ out international ,anin) ,usiness in*ol*in) >on
esident forei)n %urren%+ denominated assets and lia,ilities tain) the ad*anta)es of lo3
or noneistent taesK le*ies and hi)her return on in*estment. Prime Ban has one more
8BU at Adam"ee ;PN 3hi%h is +et to start its 8ffshore Banin) operation. In 2009- 8ff
shore ,anin) has made a %umulati*e profit of USD 0.C million as a)ainst %umulati*e
profit of USD 0.1! million in 2005.
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2.! "ana#ement (ierarch:
Source! 1ead o((ice o( Prime Bank Limited
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2.!.1 Sat "asjid Road Branch)s "ana#ement (ierarch:
Source! Sat 'as?id BranchE Prime Bank Limited
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2.$ *et+or& of the Ban&:
he first ,ran%h opened ,+ Prime Ban is the =ead 8ffi%e in Moti"heel- Dhaa. It 3as
opened at the time the ,an started its ,usiness in April 17- 199C. $rom then Prime Ban
has %ontinued its"ourne+ and emer)ed its net3or ,+ openin) ,ran%hes in ma"or distri%tsof our %ountr+. he total num,er of ,ran%hes no3 is 97. $ollo3in) %hart sho3n &All the
,ran%hes are not here':
Source! 1ead O((ice o( Prime Bank Limited
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2., Ratio Analsis of Prime Ban& 'imited and their com%etitor)s
AB Ban&:
*ost o( $und!ost of fund refers to ho3 mu%h %ost is in%urred to ,orro3 fund i.e. %apital.
A%%ordin) to the ratios ,ased on different +ears- it is e*ident that ,orro3in) mone+ is
%ostlier to AB Ban- as opposed to Prime Ban. hus I ha*e found the remara,le
%ompetiti*e ad*anta)e of Prime Ban 6imited o*er its %ompetitor %onsiderin) the %ost of
funds.
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Return on Investment ROIC!8I refers to the amount of )ain from in*estment. he
2010 fi)ures sho3 that AB ,an is 3ell ahead in terms of 8I %ompared to Prime
Ban. he 8I of Prime Ban on 2010 3as 1.02L 3hereas 8I of AB Ban 3as 2.72L-
this sho3s AB Ban is maintainin) a ,etter position than Prime Ban in terms of 8I. But
it is to ,e noted that a hu)e portion of profit )ained ,+ AB Ban throu)h Mer%hant
Banin)- 3hi%h is ,ased on *olatile %apital maret.
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Return on %sset RO%C!8A depi%ts the effi%ien%+ of a %ompan+ in mana)in) fied
assets. he AB Ban has a hi)her 8A as opposed to Prime Ban# therefore it pro*es
that AB Ban mana)es its assets 3ith distin%ti*e effi%ien%+ %ompared to Prime Ban.
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&et Pro(it 'ar/in!he net profit mar)in of Prime ,an is hi)her than that of AB Ban
3hi%h means- Prime Ban is effi%ient in mana)in) %ost a)ainst AB ,an- 3hen it %omes to
%omparison. he o*erall profit position of Prime Ban 6imited is so far ,etter than that of
AB Ban.
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*apital %de@uacy Ratio!Ban maintains a minimum apital Ade/ua%+ atio &A' of at
least 9 per%ent of is Eei)hted Assets &EA' 3ith %ore %apital &ier1' not less than C
per%ent of EA. apital re/uirements are assessed for %redit- maret and operational riss.
he Bans %apital ade/ua%+ ratio is periodi%all+ assessed and re*ie3ed ,+ the A68 and
reported to =ead 8ffi%e. Prime Ban has %onsolidated %apital ade/ua%+ ratio of 11.9L-
3hile AB Ban has A 9.91L 3hi%h is lo3er than that of Prime Ban 6imited. hus-
Prime Ban is maintainin) ,etter %apital stru%ture than that of AB Ban.
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2.- SOT Analsis of Prime Ban& 'imited:
;*er+ or)ani
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2./ 'oan Calculator of Prime Ban& 'imited:
$ollo3in) %al%ulator is eas+ to %al%ulate all the loan produ%ts.
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0 ( P a ) e
INTRODUC
TIO
N
INTRODUCTIO
N
0) $indin/s in -i((erent Situations
*1%P#"R 26! $I&-I&.S O$
#1" S#U-8
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!.1 0indin#s in ifferent Situations:
6)0)0 Loan Packa/es o( Prime Bank Limited!In this anal+sis se*eral people stron)l+
a)rees that the+ no3 the loan produ%ts of Prime Ban 6imited. Most of the people a)ree
3ith this produ%t. So it %an ,e said that the loan produ%t of Prime Ban 6imited is
satisfa%tor+. People ha*e trust on loan produ%ts of Prime Ban 6imited.
6)0)3 Repayment o( Loan y Prime Bank Limited Borrowers!=ere tenure to pa+
the loan and the installment amount is rele*ant. Most of the ,orro3er a)rees 3ith the tenure
so people ha*e trust on this issue. At the same time most of the ,orro3er pa+in) their loan
installments re)ularl+. Ban taes re)ular a%tion in %ase of loan. Borro3er thins that loan
maturit+ period is perfe%t. he+ stron)l+ a)ree 3ith this.
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6)0)6 #erms and *onditions o( Loan Packa/es! After sur*e+in) amon) the
,orro3ers- 3e %an sa+ that their %ollateral re/uirements are reasona,le. In some %ases their
position is neutral. Borro3ers opine neutrall+ a,out the loan %o*enants of Prime Ban
6imited.
6)0)7 *omparison with *ompetitors!After sur*e+in) amon) the ,orro3ers- it %an ,e
said that the loan pa%a)es of Prime Ban 6imited are ,etter than an+ other ,an. Most of
the ,orro3ers a)ree 3ith this opinion. Besides this- most of the ,orro3ers a)ree that loans
from non ,ans are more attra%ti*e. Borro3ers also a)ree that a*era)e mar)in of loan is
reasona,le. At the same time Bans mar)in on risier loans is reasona,le.
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6)0): Borrowers Satis(action level!After sur*e+in)- 3e %an sa+ that ,orro3ers )et
/ui% response from Prime Ban 6imited. Most of the ,orro3ers a)ree that their ,eha*ior
is friendl+. Most of the ,orro3ers are happ+ 3ith the ser*i%es of Prime Ban 6imited. At
the same time most of the ,orro3ers sho3 satisfa%tion o*er the loan ser*i%es forms Prime
Ban 6imited.
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! ( P a ) e
Learnin/ O?ectives!
0) Summary o( the study
3) RecommendationsINTRODU
CTIO
N
*1%P#"R 27! SU''%R8
%&- R"*O''"&-%#IO&
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$.1 Summar of the Stud:
Prime Ban is an emer)in) ,an. he ,an has onl+ %ompleted a de%ade of ,anin)
ser*i%es. At the initial sta)e of ,usiness- e*er+ institution has to )o throu)h the diffi%ult
path of sur*i*al. o a%hie*e the %onfiden%e of the ,orro3ers- the ,an must ee%ute some
impro*ements in its maretin) and operational areas Prime Ban 6td should tr+ to 3in
,orro3ers faith ,+ pro*idin) them effi%ient and dependa,le ser*i%es- %redit fa%ilit+ and
updatin) 3ith user friendl+ modern te%hnolo)ies. he ,an should redesi)n all sorts of
,anin) pro%edures to ,e more userfriendl+- attra%ti*e and impressi*e.
Prime Ban limited started 3ith a *ision to ,e the most effi%ient finan%ial intermediar+ in
the %ountr+ and it ,elie*es that the da+ is not far off 3hen it 3ill rea%h its desired )oal. It
loos for3ard to a ne3 hori
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he ,an should tr+ to arran)e more trainin) pro)rams for their offi%ials.
Fualit+ trainin) 3ill help the offi%ial to enri%h them 3ith more re%ent
no3led)e of ,anin) and impro*e their sill.
8*er ,urden of 3or and ill defined assi)nment una,le the emplo+ee todis%har)e their duties in %ool manner. It is also %reates a ha
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7 ( P a ) e
Learnin/ O?ectives!
0) Bilio/raphy
3) %ppendi>
*1%P#"R 2:!
BIBLIO.R%P18 %&-
%PP"&-I=
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,.1 Biblio#ra%h:
,.1.1 Boo&s and %ublications:
1. Ahmed >asiruddin. &1959' - Banin) and $inan%e ompendium: 1stedition .
Standard printin) and pa%a)es: Dhaa.
2. Star Business >e3s . &2005'. Prime Ban 6aun%hes rainin) pro)ram.
. Prospe%tus of prime ,an ltd.
!. Ban)ladesh Institute of Ban Mana)ement- %ppraisal o( *ustomers
Services o( Scheduled Banks o( Ban/ladesh)
C. Banin) theor+ and pra%ti%e ,+ Shehar.
,.1.2 ebsites:
1. 333.prime,an.%om.,d
2. 333.a,,an.%om.,d
. 333.3iipedia.%om
5 ( P a ) e
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,.1.! uestioners:
Borrowers Perception on Prime Bank Limited
As an intern student of the Uni*ersit+ of 6i,eral Arts Ban)ladesh OU6AB- I ha*e
initiated a resear%h stud+ on the GBorro3ers Per%eption on Prime Ban 6imitedH. I
3ant to assess the 6oan satisfa%tion le*el of %ustomer. 4our response %ooperation
3ill ena,le me to identif+ the ma"or fa%tors ,ehind %ustomer 6oan satisfa%tion in
Prime Ban 6imited. han +ou in ad*an%e for +our %ordial parti%ipation.
I$ AS;D: his sur*e+ 3ill tae approimatel+ 10 1C minutes. 4ou ha*e ,een sele%ted at random- and I )uarantee +our identit+ 3ill ,e held
in %onfidential and the ans3ers +ou pro*ide 3ith 3ill remain totall+
anon+mous.
4ou %an refuse to ans3er an+ of the /uestions.
he results 3ill ,e used for a%ademi% purpose onl+.
1. In 3hi%h Bran%h do +ou ha*e an a%%ountJ
>ame of the Bran%h: QQQQQQQQQQQQQQQQQQQQQQQQQQQQ
2. In 3hi%h area is it lo%atedJ
Area:QQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQ
. +pe of a%%ount R
urrent $ied Sa*in)s
!. =o3 man+ times do +ou )o to the ,an in a 3eeJ
9 ( P a ) e
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2 times ! times 75 times
C. =o3 do +ou no3 a,out this ,anJ
>e3spaper Internet adio
elati*es 8thers
8ou will now e /iven a series o( statements re/ardin/ your evaluation o( *ustomer
Satis(action) Please indicate the e>tent to which you a/ree or disa/ree with the statement
usin/ a 7 point scale where 9 indicates your stron/ a/reementE 5 A : indicates
normally a/reementE 7 A 6 indicates neutralE 3 indicates normally disa/reement A
0 indicates your stron/ disa/reement) 8ou may select any numer etween 0 A 9 to
indicate the e>tent o( your a/reement) 8ou may also choose -+ F-ont +nowG or &D%
F&ot applicaleG) #here is no ri/ht or wron/ answer)
Please answer all the @uestions considerin/ the prime ank limited that you
chose in
Question 6Sl
>o
Statement Stron)l+
a)ree
Stron)l+
Disa)ree
D >KA
1. 4ou no3 a,out the 6oan Produ%ts of
PB6
7 C ! 2 1
2. 4ou ha*e a*ailed of an+ 6oan from
PB6
7 C ! 2 1
. It &6oan' too to pro%edure lon) time 7 C ! 2 1
!. har)esKPro%essin) fee is reasona,le 7 C ! 2 1
C. 4our tenure to pa+ the loan and the
installment amount is 3ell
7 C ! 2 1
. 4ou are pa+in) the loan installment
re)ularl+
7 C ! 2 1
7. If an+one %annot pa+ installment
re)ularl+ then a%tions ha*e ,een
taen ,+ the ,an
7 C ! 2 1
5. ollateral re/uirements are
reasona,le
7 C ! 2 1
9. 6oan %o*enants 7 C ! 2 1
10. PB6 loan pa%a)es are ,etter thanfrom other ,ans
7 C ! 2 1
11. PB6 loans are more attra%ti*e from
non,ans
7 C ! 2 1
12. 6oan Maturit+ is perfe%t 7 C ! 2 1
1. >ature of 6oan is ade/uatel+
mentioned in the produ%t list of PB6
7 C ! 2 1
1!. PB6 has %ompetiti*e ad*anta)e o*er
its %ompetitors
7 C ! 2 1
1C. 4ou are satisfied 3ith their ser*i%e of
ea%h des
7 C ! 2 1
1. PB6 has al3a+s notified an+ %han)e
of terms and %onditions or e*en
interest rates
7 C ! 2 1
!0 ( P a ) e
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17. If there is an+ o,"e%tion- +ou )et
/ui% response from the PB6
7 C ! 2 1
15. Beha*ior of the emplo+ees are
friendl+
7 C ! 2 1
19. 4ou are satisfied 3ith the loan from
PB6
7 C ! 2 1
A)e: 152 2!C C0 C0
@ender: Male $emale
Married: 4es >o
;du%ation: Primar+ Se%ondar+ =i)her Se%ondar+
Ba%helors Masters P=D
8%%upation: Student Ser*i%e Business 8thers
8%%upation se%tor: @o*t. Pri*ate >@8 8thers
Ehi%h residential area do +ou li*e in
QQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQ
QQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQ
QQQQQQQQQQQQ
Ehats +our opinion to impro*e the ser*i%es of Prime BanJ If an+ R
QQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQ
QQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQ
QQQQQQQQQQQQQQQQQQ
!1 ( P a ) e
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han +ou for +our ind %ooperation and sa%rifi%e
,.2 A%%endi3:
,.2.1 Ratio analsis information of Prime Ban& 'imited and AB
Ban&:
,.2.1.1 Performance at a 4lance:
!2 ( P a ) e
Prime Bank Limited
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,.2.1.2 Statement of Com%rehensive 5ncome:
! ( P a ) e
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!! ( P a ) e
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,.2.1.$ Statement of 0inancial Position:
! ( P a ) e
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,.2.1., 0inancial (i#hli#hts:
!7 ( P a ) e
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!5 ( P a ) e
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!9 ( P a ) e
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,.2.1.- 4ra%hical Presentation:
C0 ( P a ) e
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C1 ( P a ) e
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,.2.1./ 0inancial 5nformation 62717 and 27789:
C2 ( P a ) e
%B Bank Limited
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C ( P a ) e
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C! ( P a ) e
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0inancial 5nformation 6277 and 277/9:
CC ( P a ) e
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C ( P a ) e
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C7 ( P a ) e
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