1.

0 Introduction
Bangladesh is a developing country of Asia; and trying to develop its business sector to improve the economy. There are several sectors of Bangladesh and lot of potential service related business sector of Bangladesh. Among them banking sector is one of the potential service related sector. There are more than 49 private, commercial, government regulated banks in our country. This is one of the most promising sectors in Bangladesh. In this report we try to find how the activity performing BRAC Bank in Bangladesh and find out their product. Our chosen sector is already clear it is banking sector and subject of study is BRAC Bank ltd. As undergraduate student of Eastern University, we suppose to complete our report of Money and Banking related topic. This is an overwhelming opportunity for us to work as a part of a professional business organization. BRAC Bank of Bangladesh is well repeated in our country as well as outside of the country.

1.1 Origin of the report

This report has prepared as a part of partial fulfilment of the course "Money and Banking FIN- 320 of Bachelor of Business Administration of Eastern University. MR.Moniruzzaman Khan has assigned this report as a part of the course "Money and Banking" .He has orally authorized the task of preparing this report to each group of 6 students. Topics were independently taken and the instructor has approved this topic.

1.2 Purpose of the Report

The objective of this report is to partially fulfil the requirement of Money and Banking (FIN-320). In addition to serve this purpose it tries to find out: 1. Focus point of BRAC Bank.
2. Main strategy process of Retail Banking. 3. How they provide small type of loan. 4. Which sector to be considered for giving loan.

1.3 Scope of the Study

The scope of the study is how the bank is Retail Banking activities.

1.4 Limitations
BRAC Bank ltd is one of the most reputed banks of Bangladesh. We collect all of the datas related to the report. Yet this report is tried to be organized and clear operations of maintaining the information. We faced some problems like 1. All information is not properly given. 2. Lack of time 3. Lack of Money 4. Lack of Internet facility. 5. Lack of communication.

1.5 Sources and Methods of Collecting Data

This report is prepared to give a description of BRAC Bank product, process, working process maintaining the information have provided the relevant data. And other informations have been collected from the book and internet.

Project Part
a. Organizational Part BRAC Bank
BRAC Bank Limited, a scheduled commercial bank established under the Banking Company Act, 1991 and incorporated as a public company limited by shares on May 20, 1999 under the Companies Act 1994 in Bangladesh. The banks has started its operation on 4th of July 2001 with a vision to be the market leader through providing all kinds of banking services suitable to the dynamic demands of both business and individual in the competitive market. The banks objectives include providing comprehensive commercial banking services, building a profitable and modern, full-service financial institution, and pursuing profitable market niches in the Small and Medium Enterprise (SME) business sector not traditionally met by conventional banks. The banks main portfolio products include loans for small and medium sized entrepreneurs; personal loans, credit cards and multiple deposit accounts for retail customers; and specialized retail products tailored to religious restrictions. The bank also provides corporate deposit and loan products as well as non-resident Bangladeshi remittance services.

Corporate Vision
Building profitable and socially responsible financial institution focused on Market and Business with Growth potential, thereby assisting BRAC and stakeholders to build a just, enlightened, healthy democratic and poverty free Bangladesh.

Corporate Mission
Sustained growth in Small & Medium Enterprise sector. Continuous low-cost deposit Growth with controlled growth in retail assets. Corporate Assets to be funded through self-liability mobilization. Growth in Assets through syndications and investment in faster growing sectors. Continuous endeavor to increase non-funded income. Keep our debt charges at 2% to maintain a steady profitable growth. Keep a diverse, far flung team fully motivated and driven towards materializing the banks vision into reality. Manage various lines of business in a full controlled environment with no compromise on service quality. Keep a divers, far flung team fully controlled environment with no compromise on service quality. Achieve efficient synergies between the banks branches, SME unit offices and BRAC field offices for delivery of remittance and Banks other products and services.

Core Values
Our Strength emanates from our owner - BRAC. This means, we will hold the following values and will be guided by BRAC as we do our work. Value the fact that one is a member of the BRAC family. Creating an honest, open and enabling environment. Have a strong customer focus and build relationships based on integrity, superior service and mutual benefit. Strive for profit & sound growth. Work as team to serve the best interest of our owners. Value and respect people and make decisions based on merit. Relentless in pursuit of business innovation and improvement. Base recognition and reward on performance. 4

 Responsible, trustworthy and law-abiding in all that we do.

b. Study Part
Retail Banking
With over 100 outlets, 300 ATMs and over 500,000 plastics in the market, BRAC Bank offers you a wide range of financial solutions to meet your everyday need. Be it home loan, car loan, or simply a quick loan simply drop an application and we shall do the rest while you enjoy life.

Retail Banking Deposit Products

With over 128 outlets, 177 ATMs and over 500,000 plastics in the market, BRAC Bank offers you a wide range of financial solutions to meet your everyday need.

Savings Accounts Triple Benefits Savings Account

Triple Benefits Savings Account offers a high interest rate of up to 8% p.a. Interest is credited to the account every month on average monthly balance. The minimum account opening balance requirement is BDT 50,000. Interest Rate Monthly average balance Below Tk. 50,000 From Tk. 50,000 to less than Tk. 5 lac From Tk. 5 lac to less than Tk. 25 lac Tk. 25 lac & above Rate 0% 4% 6% 8%

Any balance of BDT 50,000 & above will be eligible for interest. Interest forfeiture rules are not applicable for this account. There is no Annual Debit Card Fee or any other upfront fees. The account has a Half-Yearly Account Maintenance Fee of BDT 300 + VAT. However, the fee will be waived if account maintains an average balance of Taka 5

50,000 or above for the last six months. The account comes with a 12 page cheque book. Key Features Account opening balance: BDT 50,000 only Interest rate of up to 8% p.a., credited to the account every month No Debit card Fee No upfront Fee. First cheque book of 12 pages for free

Savings Classic Account

Savings Classic Account offers interest rate of 5.5% p.a. The minimum account opening balance requirement is BDT 15,000. Any balance greater than zero will be eligible for interest. The account maintenance fee is BDT 300 + VAT for every half year. Annual Debit Card Fee is BDT 600 + VAT. The account offers free cheaque book facility provided the minimum balance is maintained.

Aporajita Account
Aporajita Account is a savings account for female customers, which offers interest rate of 6.5% p.a., credited to the account on a monthly basis. The minimum account opening balance requirement is BDT 5,000. Any balance of greater than zero will be eligible for interest. There is no Annual Account Maintenance Fee. Annual Debit Card Fee is BDT 600 + VAT. This is a non-cheque-book account.

Current Accounts Current Classic Account

Current Classic Account is a non interest-bearing account with cheque book & VISA Debit card facility. The minimum account opening balance requirement is BDT 15,000. The account has a maintenance fee of BDT 500 + VAT for every half year and Annual Debit Card Fee is BDT 600 + VAT. The account comes with a 12 page cheque book free.

Current Plus Account

Current plus Account offers you the freedom of unlimited transactions. There is no intercity transaction fee for this account. The minimum account opening balance requirementisBDT25,000. There is no Annual Debit Card Fee or any other upfront fees. The account has a Half-Yearly Account Maintenance Fee of BDT 500 + VAT. However, the fee will be waived if the account maintains an average balance of Taka 25,000 or above for the last six months. The account comes with a 25 page first cheque book for free.

Ezee Account Banking That Sets You Free'

BRAC Bank offers you EZee Account a non-cheque interest bearing account for small savers who are in frequent need of transaction. You don't need to write a cheque or stand in a long queue to draw your own money from BRAC Bank. You can get a Debit Card to operate your account round the clock. Ezee Account is an interest-bearing current account which offers interest rate of 4% p.a. The minimum account opening balance requirement is BDT 5,000. Any balance greater than zero will be eligible for interest. There is no Annual Account Maintenance Fee. Annual Debit Card Fee is BDT 600 + VAT. This is a non-cheque-book account.

Salary Account
Salary Account is a non-cheque book individual account for employees of different Corporate Houses, offered to facilitate the disbursements of their monthly salaries. Employees of MNC/LLC/MID CORP/NGO/Large proprietorship/Partnership firm, other than foreign nationals are eligible to open this account. Interest rate for Salary Account is 4% p.a. Any balance greater than zero will be eligible for interest. Interest calculation will be based on Daily Balance and Interest payment will be made half yearly. There is no Annual Account Maintenance Fee in Salary Account. Annual Debit Card Fees is BDT 300 + VAT. Cheque Book facility is also available for this account.

Eligibility
The organization needs to have a minimum of 10 employees and a payout of Tk. 1 lac per month and an average salary per employee of Tk. 10,000 per month

Key Features
4% interest on any deposit amount(*On daily balance No Account Maintenance Fees No minimum balance required Partial waiver on VISA Debit Card Loan facility at preferential rates (Personal loan, Home loan, Auto loan)

Campus Account
Campus Account is an interest-bearing current account exclusively offered for university students with an interest rate of 4% p.a. The minimum account opening balance requirement is BDT 2,000. Any balance greater than zero will be eligible for interest. There is no Annual Account Maintenance Fee. Annual Debit Card Fee is BDT 600 + VAT.

Term Deposits
Deposit Premium Scheme (DPS
Your small savings can build a shining future BRAC Bank introduces the Deposit Premium Scheme (DPS) a truly special savings plan that allows you to save on a monthly basis and get a handsome amount at maturity BRAC Bank DPS account gives you the convenience of saving regularly in line with your monthly income stream. So, if you want to create a big savings to fulfill your cherished dream. DPS is the right solution. Installment sizes and DPS term We have a range of options for both installment size and maturity. The monthly installment can be as low as BDT 500 or any multiples of it i.e. BDT 1,000, BDT 2,500, BDT 5,000 and so on 8

You are also free to choose the maturity of your DPS. You may select a period of 4/7/11 or 14 Years, depending on your convenience. You are also free to choose the maturity of your DPS. You may select a period of 4/7/11 or 14 Years, depending on your convenience. Get a Savings Account and On-Line Banking Facility Unlike other banks, BRAC Bank gives you the luxury of choosing any day of the month as your installment date. Moreover, with a DPS at BRAC Bank, you will also have a Savings Account with personalized chequebook and receive on-line banking facility. Auto Transfer Facility Managing your DPS had never been so easy. You dont have to stand in long queues to deposit your installment every month. you can always deposit more than one installment in your savings account and we will automatically transfer the installment to your DPS account on due dates.

Fixed Deposit General

Fixed Deposit General is a non-transactional account that gives interest and principal at maturity. Minimum amount required to open the General FD account is BDT 50,000. FD General can be opened for 1/3/6/12/24/36 months. Interest is paid on maturity, calculated on 360 days, as per the Interest Rate Matrix. This account is available on a roll over basis until the customer confirms its closure. 10% Government Tax shall apply to the interest amount

Flexi Deposit Premium Scheme (Flexi DPS)

Flexi Deposit Premium Scheme is a non-transactional account that a customer uses for interest earning and savings purposes through monthly installment basis. Minimum amount required to open an FDPS account is BDT 500 and its multiples. FDPS can be opened for 1/2/3/4/5/6/7/8/9/10 years. This account is available on a roll over basis until the customer authorizes its closure. Interest is accrued to the FDPS account on monthly basis. Interest (after adjusting 10% Government tax on the interest amount) will be paid at maturity date, as per the Interest Rate Matrix

Freedom Fixed Deposit (FFD)

Freedom Fixed Deposit is a non-transactional account that gives interest quarterly to the link account automatically. Minimum amount required to open the FFD account is BDT 25,000. FFD can be opened for 6/12/24/36 months. This account is available on a roll over basis until the customer confirms its closure. Interest is paid on a Quarterly basis after adjusting 10% Government tax on the interest amount, as per the Interest Rate Matrix.

Abiram Fixed Deposit

Abiram Fixed Deposit is a non-transactional account that deposits interest monthly to your existing current or savings account. Minimum amount required to open an Abiram FD account is BDT 100,000. Abiram FD can be opened for 1/2/3 years. This account is available on a roll over basis until the customer confirms its closure. Interest is paid on a Monthly basis after adjusting 10% Government tax on the interest amount, as per the Interest Rate Matrix.

Retail Banking Loan Products

With over 100 outlets, 300 ATMs and over 500,000 plastics in the market, BRAC Bank offers you a wide range of financial solutions to meet your everyday need. Be it home loan, car loan, or simply a quick loan simply drop an application and we shall do the rest while you enjoy life.

Salary Loan
Keep an extra 15 month's salary in your pocket! You can get BRAC Bank Salary loan, Loan against your salary. If you are a salaried individual working in Bangladesh, Please read on. Because Salary Loan from BRAC Bank has been designed with just you in our minds. Eligibility Employed as a regular salaried staff Have minimum age of 23 years, max - 60 years (at the time of maturity If you earn a monthly salary of BDT 12,000

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Features Loan amount up to BDT 1000,000 Loan up to 15 times of your Salary Attractive Interest Rate Flexible repayment Equal Monthly Installments (EMIs) over a period of 12 months to 60 months Person with salary account with BRAC Bank will enjoy 1% less than the prevailing interest rate Documents required Last 6 month's bank statement Last salary slip/Letter of introduction Proof of employment of minimum 1 year Schedule of Charges Processing fee: 1.5% +VAT of the loan amount 2%+ VAT on the outstanding amount if settled within 1st 2 years, 1%+ VAT for 2 years & above.

Quick Loan
For needs that arise quickly the solution needs to be Quicker! If you are a businessman or self employed personnel, Quick loan is specially designed just to cater your needs Eligibility Businessman & Self Employed Personnel (Doctors, Engineers, Architects, Accountants etc.) Minimum age of 23 Years; Maximum 65 Years (At Maturity Having minimum income of BDT 20,000 Features Loan amount up to BDT 1000,000

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 Attractive Interest Rate No collateral of cash securities Documents required Last 1 Year bank statement Valid Trade License TIN Certificate Proof of identity Schedule of Charges Processing fee: 1.5% +VAT of the loan amount Early Settlement Fees - 2%+ VAT on the outstanding amount if settled within 1st 2 years 1%+ VAT for 2 years & above BRAC Bank Auto Loan: It is time to own a real car Age of Business: Min 2 years Eligibility Available for Salaried individuals, Business Persons, Self Employed & Landlord Age between 21 at the time of application to 65 at the time of maturity Minimum Monthly Income: BDT 25,000 (for salaried); BDT 35,000 (for others). Length of service: Min 1 Year as permanent employee Whether you want to purchase a brand new car or a reconditioned one, BRAC Bank Auto Loan is built for maximum speed and efficiency. Get your dream car on the road in no time.

Home Loan
Apon Ghar (Own Home) is the Home Loan product from Brac Bank with a difference. It is not just a loan, rather a complete solution stretching with five values added FREE services. BRAC Bank Apon Ghar provides you personal bank representative for information search till moving into the home. BRAC Bank Apon Ghar helps find a home suitable for you taste, budget and area. 12

Product Type & purpose

Home Loan Financing against transfer of the current balance of your existing Housing loan to BRAC Bank Home Credit Financing against Renovation / Extension / construction of your own home Takeover Financing against purchase of your under-construction / semi-completed / completed / secondhand Apartment or house Salaried Individuals Total Job Experience is minimum 3 years & must be permanent in current job Minimum income is BDT 25,000 Businessmen / Self Employed Individuals / Landlords Owner / Director of Proprietorship / Partnership / Private Limited Company Total Business Experience is minimum 3 years Minimum income is BDT 30,000 Product Features Owner of the property must be the main borrower Mortgaged property must be located within the metropolitan area of Dhaka, Greater Dhaka where RAJUK Plan is available, Chittagong & Sylhet Applicants must be permanent resident of Bangladesh Minimum age 25 years & maximum age 65 years at the time of maturity Competitive Interest Rate Maximum loan tenor 20 years* Processing Fees & Other Charges Loan up to BDT 15 Lac is @ 2% on loan amount + VAT Loan above BDT 15 Lac is @ 1.5% on loan amount + VAT

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 For Take Over cum Home Credit loan 1% on loan amount + VAT Valuation charge @ 3500 + VAT in addition to the processing fee In case of Takeover, processing fee is 0.50% of loan amount +VAT

Secured Loan
BRAC Bank Secured Loan/Overdraft: Why give up your savings We provide you loan against your fixed deposits so that you can meet any cash emergencies without the need to give up on your high yield savings Eligibility Any individual with fixed deposits and WEDB purchased from Brac Bank Ltd may apply for this facility Features Secured Loan: Term Loan Tenor: 12 to 60 months Quarterly interest payments Secured Overdraft: Continuous Loan Tenor: 12 months (Auto renewal option available Paid in Equal monthly installments Other features Minimum Spread Loan Amount up to 90% of Face Value of your fixed deposits (FDRs with BRAC Bank Ltd & WEDB Cross collateralization allowed Enhancement Facilities available Early settlement facilities available

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Retail Banking Cards

With over 100 outlets, 300 ATMs and over 500,000 plastics in the market, BRAC Bank offers you a wide range of financial solutions to meet your everyday need.

VISA Classic
This is a local Visa Credit Card, which is valid only in Bangladesh. It can only be used in local currency (BDT) within the country. This type of credit card has a limit ranging from BDT 10,000 to BDT 74,999. Features Annual fee is your choice Card cheque Facility FAST Reward points Balance Transfer Credit Shield Facility Extensive SMS Service & Transaction Alert Real Time Payment Update PayFlex Immediate Cash Advance program Worldwide Acceptance Global Emergency Assistance Facility Supplementary Card Convenient Payment option Auto debit option Self set limit BBL 24-hours Call Center Alternative Payment channels

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VISA Gold
This is a local Visa credit card which is valid only in Bangladesh and transaction currency is in BDT. The differences between Classic & Gold cards are that the Gold card has higher credit limit than classic card. Credit limit of Visa Gold Card is ranges from BDT 75,000 to BDT 5,00,000. Features Annual fee is your choice Now payment of Annual fee for your Credit Card is totally your choice, BRAC Bank allows you to pay no Annual fee as long as you transact at least 18 times (including 10 POS transactions) in a physical year. It's your Card, your choice Card cheque Facility With BRAC Bank Credit Card now you can enjoy cheque facility with a reduced interest rate of 27% against your credit card limit. You can make payment (account payee only) to any person or organization where Credit Card facility is not available. You can use your 100% limit through Card cheque with a minimum processing fee. You will get your first chequebook free. FAST Reward points A special loyalty program that allows you to earn some points every time whenever you spend your money through POS with your Credit Card in Bangladesh only. For every Tk. 50 spent through POS on your credit Card earns you 1 Reward point. The accumulated Reward Points can be redeemed against exciting 74 gift items from Reward Catalogue. The enrollment of this program is free. E-Statement Service BRAC Bank brings more convenience for you through e-statement that will enable you to receive your monthly Credit Car statement via e-mail and this is absolutely free. No doubt nowadays e-statement is the fastest, reliable and efficient service, which ultimately

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minimizes your paper work and maximizes your convenience. E-Statement will be sent maximum up to 3 (Three) e-mail addresses. For enrollment you have to fill up the enrollment form and send /drop it to any branch of BRAC Bank.

Balance Transfer BRAC Bank brings Balance Transfer facility for its Cardholders; if you have other bank Credit Card then you have the option to transfer your current outstanding balance at a much cheaper rate of 22% to your BBL Credit Card. The processing fee for Balance transfer is 2% or 150 + VAT whichever is higher. Credit Shield Facility Credit shield facility is a triple benefits Insurance Plan for the BBL Cardholders. The entire dues on the Credit Card, in the event of death or permanent total disability of BBL credit Cardholder, will be waived and the cardholder or his/her family will receive equal amount to meet immediate expenses. For any kind of accidental death, gold card holder is covered for 2-lacs and Classic Cardholder for 1 lac under Credit Shield. A very nominal charge of 0.35 paisa for every TK.100/- of your Credit Card outstanding balance will be applicable for this coverage Extensive SMS Service & Transaction Alert BBL SMS Service is the simplest way to find out your Credit Card details through your mobile. This includes Push & Pull service which you can avail free of cost. Through Pull Service you can access to your Credit Card information from anywhere anytime. Through Push service BBL provides you with information on your BBL Card even when you are on the move. Now you would no longer miss a payment or exhaust your Credit limit without any warning For the first time in Bangladesh, BRAC Bank brings you an extensive Transaction Alert Service for its Cardholders. BRAC Bank Transaction Alert - a service that allows you to stay updated on your Credit Card transactions. For each predefined transaction an alert will be generated and sent to your mobile instantly. At a nominal monthly fee of Tk 5 + VAT, you can enroll to the service. Real Time Payment Update

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Now you can avail your limit as soon as you make payment. Your card's available limit will be opened as soon as you make payment and you can use your card instantly.

PayFlex ] This is an installment program that allows BBL Credit Cardholders to convert any retail transaction of TK 3000 and above into an easy and convenient repayment schedule. That is, any cardholder will get different payment facilities for any retail transaction made at different merchant points. Payment method is classified on absolutely interest free (i.e. 0%) or payment with a certain level of interest which is the best rate method as off in the market. Immediate Cash Advance program You don't need to worry about carrying cash anywhere not even on a foreign trip where there is no one to give you hard cash at times of your need. You can withdraw cash up to 50% of your Credit Limit from any of our branches or any ATMs with VISA Logo across the country and outside the country Worldwide Acceptance The Credit Card is accepted at over 5,000 outlets across the country and over 24 million VISA outlets worldwide. Use your Credit Card for everyday purchases as well as high valued transactions with wide range of products and services including hotels, restaurants, airlines, travel agents, shopping malls, department stores, hospitals, diagnostic centers, jewelers, electronics, computer shops and many more! This number is increasing rapidly to cater your growing needs. Global Emergency Assistance Facility When you travel abroad, please remember that you have the option of using the Global Emergency Assistance Service provided by the VISA for our cardholders. These can be availed for: 1. Reporting Lost/ Stolen Credit Cards 2. Requesting for emergency card replacement 3. Emergency Cash Advance and 4. Miscellaneous enquiries. The toll free telephone numbers for accessing these emergency assistance Help line are available in local telephone directories/yellow pages and other local listings in each country.

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Supplementary Card With BBL credit Card you can share the exclusive benefits with your dearest and nearest one through providing supplementary card. As a primary cardholder you can also set spending limits for each of your supplementary cards. Convenient Payment option When you receive your bill, you need not pay the entire bill amount. You have the flexibility of selecting any of the following payment options: Pay the total amount due Pay the minimum amount due (5% of your total outstanding or BDT 500 whichever is higher of local card and for Dual card 5% of your outstanding or USD 10 whichever is higher) and the balance is carried forward to subsequent statements. Auto debit option If you have an account with any BRAC Bank branch, you have the option of making the payment of your monthly credit statement (either minimum amount due or total due amount) directly through your bank account Self set limit BRAC Bank Credit Card allows you to set your own card limit .You can request for a limit lower than what you are eligible for. You can even preset the monthly spending limits on the supplementary card .Any transaction above that specific spending limit will be declined. BBL 24-hours Call Center We offer Customer Services 24-hours a day, 7 days a week through our State-ofthe Art Call Center and experienced customer service staffs. BRAC Bank Call Center facility provides you one stop solution for your banking needs Alternative Payment channels BRAC Bank provides you different payment channels. Now you dont need to wait in queue to pay your credit card bill. You can easily pay your credit card bill through Cash Deposit Machine or through ATM or through IVR (interactive voice recorder).For IVR and ATM you need to have an account with BRAC Bank.

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Debit Card
VISA Debit Card
Features VISA cards are accepted at all BBL, VISA & Q-Cash ATMs & POSs Daily Withdraw limit is 50,000/- from ATM Withdraw upto BDT 3,00,000/- from BBL Branch POS Daily Purchase limit BDT 1,00,000/- from BBL / Q-cash / VISA merchant POS

Aarong Cards
It's a co-branded ATM Card with special cash back feature. Unlike other ATM cards, the holder of this card can enjoy 5% cash back facility while shopping at any Aarong outlet and the discount shall be automatically credited to customer's account with BRAC Bank. Features Save 5 % on every shopping at Aarong Get cash back straight into your account and earn interest Facilities 24-hour access to ATM's across Bangladesh Access to countrywide designated POS (Point of Sales) ALICO Cards It's a co-branded ATM Card with Life Insurance coverage. Unlike other ATM cards, the holder of this card can enjoy a special life insurance facility. Features

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 Free Life insurance Coverage upto BDT 200,000 with world's leading insurance company ALICO No premium payment hassle

Facilities 24-hour access to ATM's across Bangladesh Access to countrywide designated POS (Point of Sales)

DIA Gold Cards

It's a co-branded ATM Card with special cash back and cash discount feature. Unlike other ATM cards, the holder of this card can enjoy 10% cash back facility while buying diamond products and 8% cash discount on the making charge of purchased gold items at any DIA GOLD outlet. Features Get cash back straight into your account and earn interest Save 8% on the making charge of Gold jewelries Save 10 % on Diamond jewelries Facilities Access to countrywide designated POS (Point of Sales) 24-hour access to ATM's across Bangladesh None stop Banking Features In the process of services, BRAC Bank has initiated "Non-Stop" banking services for the customers. The service has the two following schedules of two different types of banking service that are convenient for the distinctive customers. Non stop banking from 10 a.m. to 8 p.m. * 21

 Online banking facility in all of the sections Up to 5 p.m. for the fixed branches.

Findings
They provide loan for small and medium enterprise. They provide loan for general people such as home loan, car loan, quick loan etc. They provide non stop Banking service at 10am to 8pm for the customer. 24-hour access to ATM's across Bangladesh By providing E-Banking try to achieve customer satisfaction. VISA cards are accepted at all BBL, VISA & Q-Cash ATMs & POSs Daily Purchase limit BDT 1,00,000/- from BBL / Q-cash / VISA merchant POS Daily Withdraw limit is 50,000/- from ATM Withdraw up to BDT 3,00,000/- from BBL Branch POS Credit limit of Visa Gold Card is ranges from BDT 75,000 to BDT 5,00,000. Aporajita Account is a savings account for female customers, which offers interest rate of 6.5% p.a., credited to the account on a monthly basis. BRAC Bank offers you EZee Account a non-cheque interest bearing account for small savers who are in frequent need of transaction. Annual Debit Card Fee is BDT 600 + VAT. This is a non-cheque-book account. Credit limit of Visa Gold Card is ranges from BDT 75,000 to BDT 5,00,000.

Recommendation
Their branches are not sufficient so they should increase their branches. Interest rate should be decrease. For competing any other bank their banking actives should develop.

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 Sometime their ATM booth creates problem so they should improve their technological side. Should improve their IT sector. They should more careful for giving loan. As their clients employees of their branches are not sufficient so it should be increase. The system of sending money from abroad should be carry. As like as business sector they should give loan for agriculture. They relationship between bank and entrepreneur should be developed.

Conclusion
The report is made on BRAC Bank. It is well known bank in Bangladesh. In this report we focus on Retail banking activities of this Bank. They run different types of accounts for their customer. Such as savings account, current account, easy account etc and provide different types of small Banking. For giving loan they focus more on SME sector. Their customer can use different type of cards such as Debit card, Credit card, Visa card etc. By using this card their customer can get highly opportunity of retail Banking. As s modern banking they run E- banking service. BRAC bank establish ATM both for providing their service anywhere in the country. Their banking service for the customer is very fast. After finishing the report we see that BRAC bank is known as a renowned bank in our country. Overall we can see BRAC Bank has efficient team to run their Retail banking activity.

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Reference
http://www.bracbank.com/Triple-Benefit-Savings.php http://www.bracbank.com/Savings-classic-Account.php http://www.bracbank.com/Aporajita-Account.php http://www.bracbank.com/Current-Plus.php http://www.bracbank.com/EZee-Account.php http://www.bracbank.com/Salary-Account.php http://www.bracbank.com/Campus.php http://www.bracbank.com/DPS.php http://www.bracbank.com/Fixed-Deposit.php http://www.bracbank.com/Freedom-Fixed-Deposit.php

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