United International University

Department of Business Administration

Internship Report On

Borrowers Perception On Prime Bank Limited

Su mitted to! Dr. Mohammad Musa Professor Business Administration

Su mitted y! Shariful Islam ID: 111092072 BUS !99 Ma"or: AIS # Minor: $inan%e Department of Business Studies &BBA'

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Dr. Mohammad Musa Professor Business Administration United International Uni*ersit+ Su,"e%t: Su mission o( Internship Report o( Prime Bank Limited) Dear SirIt is m+ pleasure to su,mit m+ Internship .eport on Borrowers Perception on Prime Bank Limited as 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. 0he preparations of this report ena,le me to a )reat e1tent to %omplete m+ theoreti%al 2no3led)e 3ith pra%ti%al anal+sis. I 3ould li2e to e1press m+ profound )ratitude for +our 2ind and %ons%ious )uidan%e in preparin) m+ report in the )i*in) time. 0han2 +ou *er+ mu%h for +our heartiest %o operation. 4ours sin%erel+-

BBA 051thBat%h- Ma"or AIS ID no 111092072Department of Business DepartmentUnited International Uni*ersit+

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%*+&O,L"-"."'"&# $irst of all I 3ould li2e to e1press m+ )ratitude to omnipotent and almi)ht+ Allah3hose in*isi,le )uidan%e helped me to %omplete this report. Althou)h- time 3as *er+ limited for )ettin) the suffi%ient 2no3led)e a,out all of ,an2in) ser*i%e- ,ut the short e1perien%e that I )athered as an internee- in Prime Ban2 6imited on Sat Mas"id .oad Bran%h an asset for all the time to %ome in m+ life. I ta2e the opportunit+ to e1press 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+ than2ful to all of the emplo+ees of Prime Ban2 6imited- Sat Mas"id .oad Bran%h for their support that helped me to prepare this report. All of them are *er+ fran2 and helpful e1%eption. I %ouldn7t thin2 a sin)le moment that I am a student of internee in that ,an2 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 9a,ir- :i%e President. Md. Aminur .ahman A2anda- 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- ;1e%uti*e 8ffi%er. Sharmin .ahman- ;1e%uti*e 8ffi%er. Md. ;shtia2 Masud- ;1e%uti*e 8ffi%er. $aria A<ad- ;1e%uti*e 8ffi%er. A.S.M =asan Sohel- ;1e%uti*e 8ffi%er. Md. >aiamul $arid- Senior 8ffi%er. ?ahir Uddin- Senior 8ffi%er. Md. @olam Mostofa- 8ffi%er. Md. Saidu<<aman 9han- Mana)ement 0rainee. Sree ?+otish Ahandra- Mana)ement 0rainee. Sharmin A2ter- 0rainee Assist. $inall+- I 3ant to e1press m+ deep )ratitude to m+ parents and other famil+ mem,ers and also remem,er m+ friends 3hose enormous helps assist me to %omplete m+ report.

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#%BL" O$ *O&#"&#S Serial &o) Particulars % stract *1%P#"R! 20 I&#RO-U*#IO& 0) 0 0)3 0)6 0)7 3)0 3)3 3)6 3)6)0 3)7 3): 3)5 3)9 6)0 7)0 7)3 :)0 :)0)0 :)0)3 :)0)6 :)3 :)3)0 :)3)0)0 :)3)0)3 :)3)0)6 :)3)0)7 :)3)0): :)3)0)5 :)3)0)9 Statement of the .esear%h Pro,lem 8,"e%ti*e of the Stud+ Methodolo)+ of the Stud+ S%ope of the Stud+ *1%P#"R! 23 *O'P%&8 PRO$IL" Ba%2)round of the Prime Ban2 6imited Prin%iple A%ti*ities of the Ban2 Mana)ement =ierar%h+ Sat Mas"id .oad Bran%h7s Mana)ement =ierar%h+ >et3or2 of the Ban2 .aito Anal+sis of the Prime Ban2 6imited and their Aompetitor7s AB Ban2 6imited SE80 Anal+sis 6oan Aal%ulator of Prime Ban2 6imited *1%P#"R! 26 $I&-I&.S O$ #1" S#U-8 $indin)s in Different Situations *1%P#"R! 27 SU''%R8 %&-R"*O''"&-%#IO& Summar+ of the Stud+ .e%ommendations *1%P#"R! 2: BIBLIO.R%P18 %&- %PP"&-I= Bi lio/raphy Boo2s and Pu,li%ations Ee,sites Fuestioners %ppendi> .atio Anal+sis Information of Prime Ban2 6imited and AB Ban2 6imited Performan%e at a @lan%e &Prime Ban2 6imited' Statement of Aomprehensi*e In%ome &Prime Ban2 6imited' Statement of Aash $lo3 &Prime Ban2 6imited' Statement of $inan%ial Position &Prime Ban2 6imited' $inan%ial =i)hli)hts &Prime Ban2 6imited' @raphi%al Presentation &Prime Ban2 6imited' $inan%ial Information &AB Ban2 6imited' Pa/e &o) 0 345 B! ! CD D 9437 5 5 1! 1C 1D 17 15 22 2B 2! 3:43; 2C 25 3<460 B0 B0 B1 634:0 66465 BB BB B! BD 694:0 B7 B7 B5 B9 !0 !1 !B !! !C !D C1

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ABSTRACT
0his report is an out%ome of the internship pro)ram under the BBA pro)ram re/uirement in the Prime Ban2 6imited. Durin) m+ internship in the or)ani<ation I ha*e )athered different information 3hi%h 3as ne%essar+ for preparin) this report. 0his report is 3ritten on the Borrowers Perception on Prime Bank Limited. In %hapter 1- I ha*e introdu%ed the topi%- alon) 3ith the o,"e%ti*e of the report- 3hi%h 3as mainl+ understand ho3 to )ain real life e1posure in the ,an2in) se%tor and to )et a %lear idea a,out Borro3er7s Per%eption. I ha*e also mentioned the method follo3ed to )ather the information and the sour%es of data. 0he %ompan+ profile is stated in the %hapter 2. It in%ludes the ,a%2)round of the ,an2- 3ith prin%iple a%ti*ities- mana)ement and ,ran%h7s hierar%h+- ,ran%h net3or2- ratio anal+sis of the Prime Ban2 6imited and their %ompetitor7s AB Ban2 6imited- SE80 anal+sis and 6oan %al%ulator of Prime Ban2 6imited. Ahapter B starts 3ith findin)s in different situations a,out Borro3er7s Per%eption on Prime Ban2 6imited. In this %hapter all the sur*e+ /uestions are )raphi%all+ presented. Ahapter ! dra3s summar+ of this report. I ha*e in%luded m+ o,ser*ation- some loop 3holes and Prime Ban2 and the effe%ts of these. 0hen I ha*e tried to dra3 out some solution to those pro,lems and some re%ommendation. $inall+ %hapter C has the ta,les and )raphs and other information in the appendi1 that mi)ht ,e needed for the ,etter understandin) of the report. A ,orro3er is a person or institution 3ho has ,een appro*ed to re%ei*e a loan and is then o,li)ated to repa+ it and an+ additional fees a%%ordin) to the loan terms. Borro3er7s per%eption is so mu%h important for an+ ,an2 ,e%ause if the+ 2no3 the per%eption le*el of their ,orro3ers then the+ %an do all the loan a,le 3or2s easil+. 0hat7s 3h+ in this report I ha*e tried to e1plain and hi)hli)ht this issue pre%isel+.

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*1%P#"R 20! I&#RO-U*#IO&

INTRODON

Learnin/ O ?ectives!
0) Statement o( the Research Pro lem 3) O ?ective o( the Study 6) 'ethodolo/y o( the Study 7) Scope o( the study

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1.1 Statement of the Research Problem:

In )eneral sense 3e mean GBan2H as a finan%ial institution that deals 3ith mone+. 0here are different t+pes of ,an2s li2e Aentral ,an2- Aommer%ial ,an2- Sa*in)s ,an2- In*estment ,an2- Mer%hant ,an2- Ao operati*e ,an2 et%. But 3hen 3e use the term ,an2 it )enerall+ means I%ommer%ial ,an27 that %olle%ts the deposit from surplus unit of the so%iet+ and then lends the deposits to the defi%it units. >o3 a da+7s ,an2in) se%tor is moderni<in) and e1pandin) its hand in different finan%ial e*ents e*er+ da+. At the same time the ,an2in) pro%ess is ,e%omin) faster- easier and is ,e%omin) 3ider. In order to sur*i*e in the %ompetiti*e field of the ,an2in) se%tor all or)ani<ations are loo2in) for ,etter ser*i%e opportunities to pro*ide their fello3 %lients. So it has ,e%ome essential for e*er+ person to ha*e some idea on the ,an2 and ,an2in) pro%edure. Internship pro)ram has ,een in%luded to BBA %urri%ulum for produ%in) talent- up to date and smart- effi%ient e1e%uti*es. Internship means )ainin) super*ised e1perien%e. Internship pro)ram offers an opportunit+ to 2no3 the en*ironment of a parti%ular or)ani<ation. 0heoreti%al 2no3led)e does not ma2e a person perfe%t. 0o implement the a%ademi% 2no3led)e- pra%ti%al 2no3led)e related to it is important. A perfe%t %oordination ,et3een theor+ and pra%ti%e is important in the %onte1t of modern ,usiness 3orld. In order to resol*e the di%hotom+ ,et3een theor+ and pra%ti%e- the different uni*ersit+ arran)ed Internship Pro)ram as a partial %ompletion of BBA pro)ram. 0his pro)ram is ne%essar+ for e*er+ student to %omplete his or her a%ademi% de)ree. Internship pro)ram ,rin)s student %loser to the ,usiness theor+ and pra%ti%al and there,+ help them to su,stantiate their 2no3led)e so that the+ %an prepare themsel*es to start a su%%essful %areer. As a parti%ipant in this- I 3as pla%e under Prime Ban2 6imited- Sat Mas"id .oad Bran%hDhanmondi- 3hi%h is 3ell reputed for trade and %ommer%e in Dha2a %it+. In preparin) the report- I ha*e in%orporated the su))estion from %orrespondents to mention here. 0his report is mainl+ emphasis on Borro3er7s Per%eption on in Prime Ban2 6imited %omparati*e stud+ 3ith leadin) pri*ate Ban2s. $inan%ial ser*i%es are a diffi%ult ,usinesssu,"e%t to man+ pressures. 0he re)ulator+ en*ironment- ris2 and %apital mana)ementreportin) and %omplian%e are all ma"or issues demandin) the attention of ,oard and e1e%uti*e ali2e. 8n top of this there is still a ,usiness to run- 3ith %ustomers to ,e 3on or

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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<ation in this %omple1 en*ironment is the 2e+ relationship ,et3een the re*enue )eneratin) %lient ,ase and the %ost of the infrastru%ture re/uired to ser*i%e- satisf+ and deli)ht them. 0he %ost in%ome ratio remains one of the most %losel+ 3at%hed and tar)eted num,ers in an+ modern ,an2. 8n the re*enue side )ro3th in %ustomer num,ers- %ustomer retention- share of 3allet- and %ross sale ratio are all 2e+ metri%s. Ehile on the %ost side the *aria,les are around staff num,ers- ,ran%h num,ers- the ran)e and *ariet+ of %hannels to the %ustomer and the lo%ation of transa%tion pro%essin)- as off shorin) de*elops as a means to ,oth mana)e %ost and- in some %ases- impro*e %ustomer ser*i%e. Ehat then- are some of the most important elements of Borro3er7s Per%eption in the %urrent mar2et and 3hat has ,een )oin) ri)ht and 3ron) for the ,an2sJ 0his report is an important part of e*er+ student %ourse %urri%ulum and the )ainin) of his pra%ti%al trainin). It ensures the pra%ti%al 2no3led)e on a spe%ifi% matter- 3hi%h is assi)ned to the students ,+ their respe%ti*e tea%hers or other3ise 2no3n as super*isor. 0he 0itle of m+ report is Borrowers Perception on Prime Bank Limited 0his report is assi)ned ,+ the =. department of Prime Ban2 6imited and appro*ed ,+ the Super*isor of $inan%e Department- $a%ult+ of USB- and Uni*ersit+ of 6i,eral Arts Ban)ladesh.

1.2 Objective of the stud :

0he ultimate o,"e%ti*e of the stud+ is to )ain real life e1posure in the ,an2in) se%tor and to )et a %lear idea a,out Borro3er7s Per%eption on Prime ,an2 6imited. 0he o,"e%ti*es of the stud+ are: Buildin) ha,it of 3or2in) and learnin) responsi,ilit+ on the duration of internee. 0o present an o*er*ie3 of PB6. 0o appraise the tas2 3hi%h are dire%tl+ lin2ed 3ith Borro3er7s. 0o identif+ pro,lems of Borro3er7s a3areness. Identif+ the solution of these pro,lems and pro*ide some re%ommendation.

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1.! "ethodolo# of the Stud :

0he nature of this report is des%ripti*e- so instead of doin) an+ sur*e+ or usin) samplin) method- o,ser*ation method is used to %omplete this /ualitati*e resear%h. Most of the ne%essar+ information has ,een %olle%ted ,+ fa%e to fa%e inter*ie3. Population! 0he stud+ has ,een %ondu%ted on the Borro3er7s Per%eption on Prime Ban2 6imited. But ,e%ause of ,ran%h spe%ifi% %onstraints it 3as %ondu%ted on the %lients of %redit se%tion. Samplin/ Unit! 8nl+ ,ran%hes of Prime Ban2 in DAA area 3as under %onsideration for the samplin) unit for the stud+- i.e.- Sat Mas"id .oad Bran%h- 9ar3an,a<ar Bran%h- Ban)shal Bran%h- Asad @ate Bran%h- Panthapath Bran%h. Samplin/ #echni@ue! .andom samplin) is used for the purpose of the stud+.

Sources o( -ata!
0he report is ,ased on ,oth primar+ and se%ondar+ data sour%es. Inter*ie3in) the mana)ers and offi%ers of the ,an2- tal2in) to the %ustomers has pro*ided the primary data. $urthermore- different pu,li%ations of the ,an2- annual reports- and the ,an2 3e,site 3ere the secondary sources of data. Primary Sources! 0he primar+ data had ,een %olle%ted from *arious sour%es. 0he different sour%es 3ere: Distri,ute /uestionnaire amon) sele%ted %ustomer to re%ei*e feed,a%2. $a%e to fa%e %on*ersation 3ith the emplo+ees. B+ personal inter*ie3in) and intera%tin) %ustomers at Prime Ban2 6imited. 8,ser*in) *arious or)ani<ational pro%edures. Secondary Sources! $rom prior resear%h report.

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 $rom different ,oo2s and periodi%als related to the ,an2in) se%tor. $rom internet. Annual report of Prime Ban2 6td. Pu,lished Boo2let of Prime Ban2 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 O servation! 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% e1ample from an+ file a,out %ertain do%ument- as the matter is *er+ sensiti*e for the %lient as 3ell as for the ,an2. Interview! Primaril+ some data are %olle%ted from fa%e to fa%e inter*ie3 of different emplo+ees of Prime Ban2 6imited at Sat Mas"id .oad Bran%h. B+ fa%e to fa%e %on*ersation 3ith the Borro3er7s 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 as2ed to fill up a /uestionnaire. Based on their ans3er- it is eas+ to "ustif+ the Borro3er7s Per%eption on Prime Ban2 6imited.

1.$ Sco%e of the Stud :

0he s%ope of this report is limited to the o*erall des%ription of the Ban2K8r)ani<ation &8nl+ Dha2a Bran%hes Ban2s'- its ser*i%es and its position in the industr+ and its mar2etin) strate)ies. 0he s%ope of the stud+ is limited to or)ani<ational setup- fun%tions and performan%es.

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*1%P#"R 23! *O'P%&8 PRO$IL"

INTRODUCTIO N

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

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2.1Bac&#round of Prime Ban& 'imited:

Durin) the ,oomin) +ears of the ,an2in) industr+ of Ban)ladesh- a )roup of hi)hl+ s2illed lo%al entrepreneurs %ame up 3ith an idea to float a %ommer%ial ,an2 3ith a different outloo2. 0he idea 3as to ,uild a ,an2in) or)ani<ation 3ith e1%ellen%e- %ompeten%e and %onsistent deli*er+ of relia,le ser*i%e 3ith superior %ustomer satisfa%tion. 0he out%ome of this thin2in) 3as the Prime Ban2 6imited- %ommen%ed its ,usiness on April 17- 199C. Sin%e the ,e)innin) the ,an2 is ,ein) mana)ed ,+ a team of professionals- 3ith dedi%ation and sin%erit+. 0heir e1perien%e and hard 3or2 has ta2en the ,an2 in the leadin) position. 0he ,an2 is %onstantl+ fo%used to3ards the understandin) and predi%tin) %ustomer7s needs and meetin) them. It is )i*in) a tou)h %ompetition to other ,an2s in %ase of performan%e and %ustomer satisfa%tions. 0he ,an2 offers almost all sorts of %ommer%ial ,an2in) ser*i%es 3ithin the frame3or2 of Ban2in) Aompan+ A%t- and the rules and re)ulations la+ do3n ,+ the Ban)ladesh Ban2. 0hese ser*i%es in%lude %orporate Ban2in)- .etail Ban2in)- and Aonsumer Ban2in) et%. Eithin this short time the ,an2 has alread+ %laimed a position amon) the top ran2ed ,an2s in our %ountr+ throu)h ensurin) hi)h profile mana)ement- e1perien%ed- dedi%ated and s2illed emplo+ees- and a 3hole lot of hard 3or2s. It has adopted the AAM;6 ratin)BAS;6 II and all other international re/uirements. It is al3a+s respondin) to te%hnolo)i%al enhan%ements and de*elopments. 0he introdu%tion of A0M in Mar%h 2005 and Internet Ban2in) in 2009 ushered a ne3 era and prime Ban2 is no3 3ed poised to3ards the e1pansion of alternati*e deli*er+ a%ross Ban)ladesh. Prime Ban2 is one of the most reno3ned names amon) the 3ell performin) ,an2s in the ,an2in) industr+ and it is %ontinuousl+ 3or2in) hard to hold its position in the mar2et as the leader throu)h pro*idin) top %lass ser*i%es.

2.2Princi%le Activities of the Ban&:

0he prin%iple a%ti*ities of the ,an2 are ,an2in) and related ,usinesses. 0hese a%ti*ities in%lude: ta2in) deposit- %ash 3ithdra3al- e1tendin) %redit- or)ani<in) s+ndi%ate dealsretail- small and medium enterprises- trade finan%in) and pro"e%t finan%in)- lease and hire pur%hase et%. 0he follo3in)s %an ,e stated prin%iple a%ti*ities of the ,an2:

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0) ">tendin/ credit! Pro*idin) %redit to the %lients of the ,an2 is one of the ma"or a%ti*ities of the ,an2. 6oans and %redits are a*aila,le under different heads- li2e: %ommer%ial loan- loan s+ndi%ation- retail loan- pro"e%t finan%e et%. 3) Import A ">port usiness! 0he ,an2 is also effi%ient in import and e1port ,usiness. 0he )ro3th rate of import ,usiness is CL and )ro3th in e1port ,usiness is 11L. 0he main items of this ,usiness are: leather- read+made )arments- shrimp- ma%hineries- materials et%. 6) Retail Bankin/: A ,an2 li2e Prime Ban2 6imited that )oes 3ith superior ,rand

e/uit+ and a uni/ue ,rand ta) line Ga ,an2 3ith a differen%eH- puttin) supreme emphasis on retail ,usiness has an untapped potential to )enerate *alue. 0his potential of retail ,an2in) %an ,e tra%ed 3hile thin2in) a,out the 6ines of ,usiness in an inno*ati*e 3a+. An effort ,+ retail ,an2in) to e1plore the untapped ma+ help indu%e those- 3ho 3ait to sa*e mone+ to ,u+ their desired life st+le at a future time- to %ome and a*ail the retail ,an2in) ser*i%es. .etail ,an2in) %an pla+ a *er+ si)nifi%ant role in this respe%t ,+ e1pandin) the prin%iples of opportunit+ %ost- mar)inal or in%remental and time *alue of mone+ a)ainst the utilit+ of the desired house holds. 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 ,an27s ser*i%es- ma+ ,e 3or2in) in a %orporate entit+- ma+ influen%e to ta2e finan%ial ser*i%es from the ,an2. 0hus retail ,an2in) %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 mar2et. Man+ pla+ers ha*e entered the mar2et and %ompetition is )ro3in). Prime Ban2 6imited started %redit %ard operation in 1999 ,+ introdu%in) Master Aard and is no3 a prin%ipal mem,er of ,oth 3orld3ide a%%epted plasti% mone+ net3or2 i.e. MasterAard and :ISA thus positioned itself 3ith stron) footin) 3ithin the industr+. It e1tends *arious ser*i%es to the %redit %ard %ustomers7 *i<- issuan%e of supplementar+ %ard- free insuran%e %o*era)e- lon)er interest free period- et% :) S'" $inancin/! Despite )ro3in) fo%us a,out small and medium enterprises in Ban)ladesh and %onse/uent poli%+ efforts in these dire%tions- limited a%%ess to finan%in) still forms the %ru1 of the pro,lem of this se%tor. 0he o*erridin) *ision of PB6 is to offer

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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 Ban2 has earmar2ed 10 per%ent of SM; related fund for 3omen entrepreneurs. 0he ,an2 has desi)ned a separate produ%t GAn%horH for 3omen entrepreneurs. In the ne3 frame3or2 of SM;- PB6 is )i*in) top priorit+ in de*elopin) and harnessin) 3omen entrepreneurs. 9) Islamic Bankin/: Prime Ban2 started its operations in the +ear 199C as Ia ,an2 3ith a differen%e7- ,lendin) its %on*entional ,an2in) s+stem 3ith that of Islami% Ban2in) operations ,ased on Shari7ah prin%iples. $i*e of the ,ran%hes of the ,an2 pro*ide Islami% Ban2in) operations to ser*e the in%reasin) demand of %ustomers for Islami% Ban2in) produ%ts and ser*i%es. 8,"e%ti*es of laun%hin) Islami% Ban2in) 8perations in Prime Ban2 are as follo3s: 0o %ater to the needs of %ustomers 3ho 3ant to ha*e ser*i%es in Islami% Modes# 0o introdu%e the partnership %on%ept of ,usiness operations# 0o arran)e for ensurin) "usti%e in distri,ution s+stem use of funds# 0o do other a%ts an%illar+ to the esta,lishment of e1ploitation free so%iet+.

;) 'erchant Bankin/! Mer%hant Ban2in) 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+7s %apital mar2et 3itnessed man+ si)nifi%ant e*ents ran)in) from ,rea2in) man+ re%ords to poli%+ %han)es. And as our mar2et matured- 3e 3ere a,le to a%hie*e si)nifi%ant profit )ro3th and also %ontri,ute to the de*elopment of the mar2et. In 2009- as per the ,oard7s ad*i%e- MBID %on%entrated on pro*idin) unparallel portfolio mana)ement ser*i%es to our %ustomers. 0he num,er of %ustomers 3ent ,e+ond 2-000 3ith a portfolio si<e of around 12. 11-000 million and the ,an2 %ontri,uted to an a*era)e of 10 per%ent to 12 per%ent of dail+ Dha2a Sto%2 ;1%han)e &DS;' turno*er. Durin) the +ear throu)h pro*idin) portfolio mana)ement ser*i%es and ,+ reali<in) the )ain from ,an27s o3n in*estment MBID made an operatin) profit of 02. 920.B0 million. Ee also su%%essfull+ laun%hed the operation of MBID Mirpur Bran%h in Au)ust 2009 as Uttara and S+lhet Bran%h 3aits to start operation *er+ soon.

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<) -eposits! 0he deposits ,alan%e of PB6 rea%hed the le*el of 02.10D.9D ,illion durin) 2009 from 02. 55.02 ,illion of pre*ious +ears. 0he )ro3th rate is 21.C1 per%ent. 0his 3as possi,le due to superior %ustomer ser*i%e deli*er+ at the ,ran%h le*el- e1pansion of ,ran%h net3or2 to rural areas 3here forei)n remittan%e flo3 is si)nifi%ant as 3ell as lia,ilit+ %ampai)n ,+ retail lia,ilit+ team for mo,ili<ation of no %ost and lo3 %ost deposits.

Source! %nnual Report 322< o( Prime Bank Limited

;1pansion of ,ran%hes at rural areas has pro*ided the lo3er in%ome )roup an a%%ess to modern ,an2in) s+stem and prompt re%eipt of remittan%es. PB6 is offerin) 15 t+pes of deposits produ%ts for the %ustomers. 0hese in%lude: *ontri utory Savin/s Schemes B*SSC! Under this s%heme Minimum si<e of the monthl+ installment is 02.C00.00 and multiples of 02.1000.00. Ma1imum installment si<e shall ,e 2C000.00 for fi*e +ear period. 6ump sum amount shall ,e paid after maturit+ or monthl+ pension shall ,e paid for the ne1t C +ears a%%ordin) to si<e of deposit. Lackhopati -eposit Scheme! Under this s%heme si<e of the monthl+ installments are 02.2C0.00- 02.C00.08- 02125C.00- 02.2!00.08 depositor 3ill re%ei*e 02.1-00-000.00 after a num,er of period dependin) on installment si<e .=i)her the installment si<e lo3er 3ill ,e the maturit+ period. Prime 'illionaire Scheme! 0his s%heme is similar as 6a%2hopati deposit s%heme onl+ the installment amounts is lar)er and at maturit+ depositor 3ill )et 02.10 la%. "ducation Savin/s Scheme B"SSC! Under this s%heme parents %an sa*e for their %hildren7s edu%ation ,+ pa+in) a %ertain amount of monthl+ installment and 6ump sum amount shall ,e paid after maturit+.

1D ( P a ) e

 'onthly Bene(it -eposit Scheme B'B-SC! Under this s%heme %ustomer %an deposit a fi1ed amount of mone+ for fi*e +ears .0he 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. -ou le Bene(it -eposit Scheme B-BSC! Under this s%heme a %ustomer %an 2eep a fi1ed amount of mone+ for si1 +ear end of the maturit+ period the amount 3ill ,e%ome dou,le .0he amount has to ,e multiple of 2C000. $i>ed -eposit Receipt Scheme B$-RC: Under this s%heme %ustomer %an de*ote a fi1ed amount of mone+ for one month- three months- si1 months or t3el*e months for interest rate of 7.CL- 11L or 11.CL. *urrent %ccount! Aurrent A%%ount is a non interest ,earin) %he%2a,le deposit &Demand Deposit' 3hi%h allo3s the o3ner of the ,an2 a%%ounts to 3rite %he%2s to third parties. Savin/s account! Sa*in)s A%%ount is an interest ,earin) %he%2a,le deposit &>e)otia,le order of 3ithdra3al' 3hi%h allo3s the o3ner of the ,an2 a%%ounts to 3rite %he%2s to third parties.

17 ( P a ) e

02) *ustomer *are! PB67s firm %ommitment to e1%ellent %ustomer ser*i%e deli*er+ has resulted to remar2a,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. 0hese in%lude ,oth traditional and modern produ%ts. 0he ,an2 is no3 full+ online. 0raditional 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 >ABs 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,erali<ation of ,an2in) and finan%ial industr+ and in%reasin) %ustomer 2no3led)e and sophisti%ation %ompetiti*e pri%in) of produ%ts is no lon)er suffi%ient in %apturin) lar)e mar2et share. >e3 produ%t de*elopment2no3 +our %ustomer pro)ram and redesi)n the e1istin) produ%ts 3ere the strate)ies adopted ,+ the ,an2 to ser*e the %ustomers differentl+ from the %ompetitors. 0he %ontinuous impro*ement in deli*er+ of produ%ts and ser*i%es- redu%tion of turnaround time for loan pro%essin)- on line deposits and remittan%e pa+ment has made the 2e+ differentiation for 3innin) the %ustomer satisfa%tion. 0he ,an2 introdu%ed A0M fa%ilities for the %ustomers in 2005. 0here are also arran)ements 3ith another ,an2 for sharin) their A0M ,ooths 3hi%h in%reased the %o*era)e of the Ban2 o*er D00 A0Ms lo%ated at different areas of the %ountr+. 0he ,an2 has introdu%ed internet ,an2in) in 2009 and has planned to add De,it %ard- SMS Ban2in) and 9ios2 to its produ%ts and ser*i%es ,as2ets. 00) Research A -evelopment (or customer Satis(action : In this %ompetiti*e ,usiness en*ironment- .esear%h M De*elopment &.MD' a%ti*ities are thou)ht to enri%h the ,an2 3ith ne3 and impro*ed produ%ts- pro%ess and ,usiness a*enues. In that pursuit- PB67s .MD a%ti*ities are fo%usin) on three %ore areas: mar2etin)- operation and ,usiness poli%ies. .MD has %ondu%ted num,er of mar2et sur*e+s and studies on ,usiness related issues 3hi%h ha*e helped the mana)ement to ta2e 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 Aenter- A0M. Bran%h M SM; Ser*i%e Aenter ;1pansion Pro)ram 2010

15 ( P a ) e

 Produ%t De*elopment Stud+: IA,ash7 a =ouse Buildin) 03) 6oan produ%t for %onstru%tion of Semi Pu%%a =ouse Pro"e%t on Premium Ban2in) .e*ie3 of Austomer Ser*i%e Aampai)n 2010 @uideline for Promotin) Prime Ban2 Aredit Aard .eport on Aommodit+ Mar2ets on ;i)ht Aommodities &Monthl+' Pu,li%ation of IIn $o%us7 A Monthl+ >e3sletter of .MD Di*ision &Monthl+' Aon%ept >ote on ;nsurin) Ser*i%e Fualit+ Aon%ept >ote on ;nsurin) Ser*i%e Fualit+ M+ster+ Shoppin) Sur*e+ on Aall Aentre. O((shore Bankin/! PB6 is %aterin) the ,an2in) re/uirement of non resident

%ustomers throu)h 2 8ffshore Ban2in) Units &8BU' lo%ated in Dha2a ;1port Pro%essin) None and Ahitta)on) ;1port Pro%essin) None. 8ffshore ,an2in) a%ts as a uni/ue solution for Ban2s a%ross the )lo,e to %arr+ out international ,an2in) ,usiness in*ol*in) >on .esident forei)n %urren%+ denominated assets and lia,ilities ta2in) the ad*anta)es of lo3 or none1istent ta1esK le*ies and hi)her return on in*estment. Prime Ban2 has one more 8BU at Adam"ee ;PN 3hi%h is +et to start its 8ffshore Ban2in) operation. In 2009- 8ff shore ,an2in) has made a %umulati*e profit of USD 0.CD million as a)ainst %umulati*e profit of USD 0.1! million in 2005.

19 ( P a ) e

2.! "ana#ement (ierarch :

Source! 1ead o((ice o( Prime Bank Limited

20 ( P a ) e

2.!.1 Sat "asjid Road Branch)s "ana#ement (ierarch :

Source! Sat 'as?id BranchE Prime Bank Limited

21 ( P a ) e

2.$ *et+or& of the Ban&:

0he first ,ran%h opened ,+ Prime Ban2 is the =ead 8ffi%e in Moti"heel- Dha2a. It 3as opened at the time the ,an2 started its ,usiness in April 17- 199C. $rom then Prime Ban2 has %ontinued its "ourne+ and emer)ed its net3or2 ,+ openin) ,ran%hes in ma"or distri%ts of our %ountr+. 0he 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

22 ( P a ) e

2., Ratio Anal sis of Prime Ban& 'imited and their com%etitor)s AB Ban&:

*ost o( $und! Aost 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 Ban2- as opposed to Prime Ban2. 0hus I ha*e found the remar2a,le %ompetiti*e ad*anta)e of Prime Ban2 6imited o*er its %ompetitor %onsiderin) the %ost of funds.

2B ( P a ) e

Return on Investment BROIC! .8I refers to the amount of )ain from in*estment. 0he 2010 fi)ures sho3 that AB ,an2 is 3ell ahead in terms of .8I %ompared to Prime Ban2. 0he .8I of Prime Ban2 on 2010 3as 1B.02L 3hereas .8I of AB Ban2 3as B2.72Lthis sho3s AB Ban2 is maintainin) a ,etter position than Prime Ban2 in terms of .8I. But it is to ,e noted that a hu)e portion of profit )ained ,+ AB Ban2 throu)h Mer%hant Ban2in)- 3hi%h is ,ased on *olatile %apital mar2et.

2! ( P a ) e

Return on %sset BRO%C! .8A depi%ts the effi%ien%+ of a %ompan+ in mana)in) fi1ed assets. 0he AB Ban2 has a hi)her .8A as opposed to Prime Ban2# therefore it pro*es that AB Ban2 mana)es its assets 3ith distin%ti*e effi%ien%+ %ompared to Prime Ban2.

2C ( P a ) e

&et Pro(it 'ar/in! 0he net profit mar)in of Prime ,an2 is hi)her than that of AB Ban2 3hi%h means- Prime Ban2 is effi%ient in mana)in) %ost a)ainst AB ,an2- 3hen it %omes to %omparison. 0he o*erall profit position of Prime Ban2 6imited is so far ,etter than that of AB Ban2.

2D ( P a ) e

*apital %de@uacy Ratio! Ban2 maintains a minimum Aapital Ade/ua%+ .atio &AA.' of at least 9 per%ent of .is2 Eei)hted Assets &.EA' 3ith %ore %apital &0ier 1' not less than C per%ent of .EA. Aapital re/uirements are assessed for %redit- mar2et and operational ris2s. 0he Ban27s %apital ade/ua%+ ratio is periodi%all+ assessed and re*ie3ed ,+ the A6A8 and reported to =ead 8ffi%e. Prime Ban2 has %onsolidated %apital ade/ua%+ ratio of 11.D9L3hile AB Ban2 has AA. 9.91L 3hi%h is lo3er than that of Prime Ban2 6imited. 0husPrime Ban2 is maintainin) ,etter %apital stru%ture than that of AB Ban2.

27 ( P a ) e

2.- S.OT Anal sis of Prime Ban& 'imited:

;*er+ or)ani<ation is %omposed of some internal stren)ths and 3ea2nesses and also has some e1ternal opportunities and threats in its 3hole life %+%le. 0he follo3in) 3ill ,riefl+ introdu%e Prime Ban27s internal stren)ths and 3ea2nesses- and e1ternal opportunities and threats as I ha*e e1plored in the three months &appro1.'. Strengths: $a*ora,le reputation. Pro*ides its %ustomers e1%ellent and %onsistent /ualit+ in e*er+ ser*i%e. Fualit+ ser*i%e 3ith relati*el+ lo3er pri%e. $riendl+ intera%ti*e and informal 3or2in) en*ironment.

Weaknesses: Pa+ stru%ture ha*e a ,i) dis%rimination 3ithin offi%ers and e1e%uti*es. 0he emplo+ees are ,urdened 3ith e1tra 3or2loads and 3or2s late hours. Pa+ order pro%essin) is not satisfa%tor+. In%omin) Mail pro%essin) is slo3. Opportunities: Aan re%ruit e1perien%ed- effi%ient and 2no3led)ea,le 3or2 for%e as it offers )ood 3or2in) en*ironment. 0he Ban2 3ill pro*ide A0M %ards to all of its %lients to a*ail 2! hour modern ,an2in) fa%ilit+. More %ommer%ial ,ran%hes. 0he Ban2 has alread+ introdu%ed on line modern fa%ilities to its %ustomer. Threats: Up%omin) pri*ate lo%al ,an2s. Aomparati*el+ hi)h salar+ mar)in. Ahallen)e of ne3 entries. Immer)e of the multinational ,an2s and their rapid e1pansion.

25 ( P a ) e

2./ 'oan Calculator of Prime Ban& 'imited:

$ollo3in) %al%ulator is eas+ to %al%ulate all the loan produ%ts.

29 ( P a ) e

*1%P#"R 26! $I&-I&.S O$ #1" S#U-8

INTRODUCTIO INTRODUCTIO N N

0) $indin/s in -i((erent Situations

B0 ( P a ) e

!.1 0indin#s in 1ifferent Situations:

6)0)0 Loan Packa/es o( Prime Bank Limited! In this anal+sis se*eral people stron)l+
a)rees that the+ 2no3 the loan produ%ts of Prime Ban2 6imited. Most of the people a)ree 3ith this produ%t. So it %an ,e said that the loan produ%t of Prime Ban2 6imited is satisfa%tor+. People ha*e trust on loan produ%ts of Prime Ban2 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+. Ban2 ta2es re)ular a%tion in %ase of loan. Borro3er thin2s that loan maturit+ period is perfe%t. 0he+ stron)l+ a)ree 3ith this.

B1 ( P a ) e

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 Ban2 6imited.

6)0)7 *omparison with *ompetitors! After sur*e+in) amon) the ,orro3ers- it %an ,e
said that the loan pa%2a)es of Prime Ban2 6imited are ,etter than an+ other ,an2. Most of the ,orro3ers a)ree 3ith this opinion. Besides this- most of the ,orro3ers a)ree that loans from non ,an2s are more attra%ti*e. Borro3ers also a)ree that a*era)e mar)in of loan is reasona,le. At the same time Ban27s mar)in on ris2ier loans is reasona,le.

B2 ( P a ) e

6)0): Borrowers Satis(action level! After sur*e+in)- 3e %an sa+ that ,orro3ers )et
/ui%2 response from Prime Ban2 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 Ban2 6imited. At the same time most of the ,orro3er7s sho3 satisfa%tion o*er the loan ser*i%es forms Prime Ban2 6imited.

BB ( P a ) e

*1%P#"R 27! SU''%R8 %&- R"*O''"&-%#IO&

INTRODUCTIO N

Learnin/ O ?ectives!
0) Summary o( the study 3) Recommendations

B! ( P a ) e

$.1 Summar of the Stud :

Prime Ban2 is an emer)in) ,an2. 0he ,an2 has onl+ %ompleted a de%ade of ,an2in) 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. 0o a%hie*e the %onfiden%e of the ,orro3ers- the ,an2 must e1e%ute some impro*ements in its mar2etin) and operational areas Prime Ban2 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. 0he ,an2 should redesi)n all sorts of ,an2in) pro%edures to ,e more user friendl+- attra%ti*e and impressi*e. Prime Ban2 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 loo2s for3ard to a ne3 hori<on 3ith a distin%ti*e mission to ,e%ome a hi)hl+ %ompetiti*e modern and transparent institution %ompara,le to an+ of its 2ind at home and a,road. $inall+ it %an ,e said that- Borro3er7s Per%eption should ,e more for emer)in) mar2ets- up 3ardin) )ro3th of national in%ome and o*erall impro*ement in the standard of li*in).

$.2 Recommendations:
I had the pra%ti%al e1posure in Prime Ban2 6td. Sat Mas"id .oad- Dhanmondi Bran%h for "ust three months- 3ith m+ little e1perien%e in the ,an2 in %omparison 3ith *ast and %omple1 ,an2in) s+stem- it is *er+ diffi%ult for me to re%ommend. I ha*e o,ser*ed some short%omin)s re)ardin) operational and other aspe%ts of their ,an2in). 8n the ,asis of m+ %lose o,ser*ation I 3ould li2e to propose the follo3in) re%ommendations Impro*e offi%e atmosphere to )i*e %ustomer friendl+ feelin). Pro*ide intimate attention to +our %ustomers7 needs. Austomers7 %on*enien%e 3ill ,e of 0op priorit+. $ast Ser*i%e Poli%+ should ,e introdu%ed. So that e*er+,od+ )et faster ser*i%e.

BC ( P a ) e

 0he ,an2 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 2no3led)e of ,an2in) and impro*e their s2ill. 8*er ,urden of 3or2 and ill defined assi)nment una,le the emplo+ee to dis%har)e their duties in %ool manner. It is also %reates a ha<ardous situation in the 3or2 pro%ess. So all the emplo+ees should ,e assi)ned 3ith proper and spe%ifi% assi)nment. 0ime %onsumed in ser*i%in) %ustomers is minimi<ed. De*elop %ommuni%ation s2ills. =elp ne3 entrepreneurs to formulate ,usiness plans.

BD ( P a ) e

*1%P#"R 2:! BIBLIO.R%P18 %&%PP"&-I=

Learnin/ O ?ectives!
0) Bi lio/raphy 3) %ppendi>

B7 ( P a ) e

,.1 Biblio#ra%h :
,.1.1 Boo&s and %ublications:
1. Ahmed >asiruddin. &1959' - Ban2in) and $inan%e Aompendium: 1st edition . Standard printin) and pa%2a)es: Dha2a. 2. Star Business >e3s . &2005'. Prime Ban2 6aun%hes 0rainin) pro)ram. B. Prospe%tus of prime ,an2 ltd. !. Ban)ladesh Institute of Ban2 Mana)ement- %ppraisal o( *ustomers Services o( Scheduled Banks o( Ban/ladesh) C. Ban2in) theor+ and pra%ti%e ,+ She2har.

,.1.2 .ebsites:
1. 333.prime,an2.%om.,d 2. 333.a,,an2.%om.,d B. 333.3i2ipedia.%om

B5 ( P a ) e

,.1.! 2uestioners:

Borrowers Perception on Prime Bank Limited

As an intern student of the Uni*ersit+ of 6i,eral Arts Ban)ladesh OU6ABP- I ha*e initiated a resear%h stud+ on the GBorro3ers7 Per%eption on Prime Ban2 6imitedH. I 3ant to assess the 6oan satisfa%tion le*el of %ustomer. 4our response M %o operation 3ill ena,le me to identif+ the ma"or fa%tors ,ehind %ustomer 6oan satisfa%tion in Prime Ban2 6imited. 0han2 +ou in ad*an%e for +our %ordial parti%ipation. I$ AS9;D: 0his sur*e+ 3ill ta2e appro1imatel+ 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. 0he 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 B. 0+pe of a%%ount R Aurrent $i1ed Sa*in)s

!. =o3 man+ times do +ou )o to the ,an2 in a 3ee2J

B9 ( P a ) e

2 B times

! D times

7 5 times

C. =o3 do +ou 2no3 a,out this ,an2J 0: .elati*es >e3spaper 8thers Internet .adio

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 num er etween 0 A 9 to indicate the e>tent o( your a/reement) 8ou may also choose -+ F-ont +nowG or &D% F&ot applica leG) #here is no ri/ht or wron/ answer)

Please answer all the @uestions considerin/ the prime chose in

ank limited that you

Question 6
Sl >o 1. 2. B. !. C. D. 7. 5. 9. 10. 11. 12. 1B. 1!. 1C. 1D. Statement 4ou 2no3 a,out the 6oan Produ%ts of PB6 4ou ha*e a*ailed of an+ 6oan from PB6 It &6oan' too2 to pro%edure lon) time Ahar)esKPro%essin) fee is reasona,le 4our tenure to pa+ the loan and the installment amount is 3ell 4ou are pa+in) the loan installment re)ularl+ If an+one %annot pa+ installment re)ularl+ then a%tions ha*e ,een ta2en ,+ the ,an2 Aollateral re/uirements are reasona,le 6oan %o*enants PB6 loan pa%2a)es are ,etter than from other ,an2s PB6 loans are more attra%ti*e from non ,an2s 6oan Maturit+ is perfe%t >ature of 6oan is ade/uatel+ mentioned in the produ%t list of PB6 PB6 has %ompetiti*e ad*anta)e o*er its %ompetitors 4ou are satisfied 3ith their ser*i%e of ea%h des2 PB6 has al3a+s notified an+ %han)e of terms and %onditions or e*en interest rates Stron)l+ a)ree 7 D 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 D D D D D D D D D D D D D D D C C C C C C C C C C C C C C C C ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! B B B B B B B B B B B B B B B B Stron)l+ Disa)ree 2 1 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 D9 >KA

!0 ( P a ) e

17. 15. 19.

If there is an+ o,"e%tion- +ou )et /ui%2 response from the PB6 Beha*ior of the emplo+ees are friendl+ 4ou are satisfied 3ith the loan from PB6

7 7 7

D D D

C C C

! ! !

B B B

2 2 2

1 1 1

A)e: 15 2B @ender: Male Married: 4es

2! BC $emale >o

BD C0

C0S

;du%ation: Primar+ Ba%helors 8%%upation: Student 8%%upation se%tor: @o*t.

Se%ondar+ Masters Ser*i%e Pri*ate

=i)her Se%ondar+ P=D Business >@8 8thers 8thers

Ehi%h residential area do +ou li*e in QQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQ QQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQ QQQQQQQQQQQQ Ehat7s +our opinion to impro*e the ser*i%es of Prime Ban2J If an+ R QQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQ QQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQ QQQQQQQQQQQQQQQQQQ

!1 ( P a ) e

0han2 +ou for +our 2ind %o operation and sa%rifi%e

,.2 A%%endi3:
,.2.1 Ratio anal sis information of Prime Ban& 'imited and AB Ban&:

Prime Bank Limited

,.2.1.1 Performance at a 4lance:

!2 ( P a ) e

,.2.1.2 Statement of Com%rehensive 5ncome:

!B ( P a ) e

!! ( P a ) e

,.2.1.! Statement of Cash 0lo+:

!C ( P a ) e

,.2.1.$ Statement of 0inancial Position:

!D ( P a ) e

,.2.1., 0inancial (i#hli#hts:

!7 ( P a ) e

!5 ( P a ) e

!9 ( P a ) e

,.2.1.- 4ra%hical Presentation:

C0 ( P a ) e

C1 ( P a ) e

%B Bank Limited
,.2.1./ 0inancial 5nformation 62717 and 27789:

C2 ( P a ) e

CB ( P a ) e

C! ( P a ) e

0inancial 5nformation 6277: and 277/9:

CC ( P a ) e

CD ( P a ) e

C7 ( P a ) e

C5 ( P a ) e