Internship Report

On

“Credit Risk Management and Financial Performance of

Southeast Bank PLC."

Submitted to
Department of Finance
Faculty of Business Studies
Jagannath University

Submitted by
Dolon Roy
ID: M23040203506
Session: Fall-23
Program: MBA (4th Batch)
Department of Finance
Faculty of Business Studies
Jagannath University, Dhaka

Under the Supervision of

Mohammad Sogir Hossain Khandoker, PhD
Professor
Department of Finance
Faculty of Business Studies
Jagannath University, Dhaka

Date of Submission: May 30, 2025

 Letter of Transmittal

30 May, 2025
To ,
Mohammad Sogir Hossain Khandoker, PhD
Professor
Department of Finance
Jagannath University, Dhaka-1100

Subject: Submission of internship report on “Credit Risk Management and Financial

Performance of Southeast Bank PLC."
Dear Sir,

I am pleased to submit my internship repot “Credit Risk Management and Financial Performance
of Southeast Bank PLC." prepared as a partial fulfilment of the requirements for the
MBA(Professional) program at Jagannath University. This report has been completed under your
direct supervision.

This report contains the credit risk management and general banking system of Southeast Bank
PLC. I am very grateful to you because you approved me to work on this report.

I, hope you would kind enough to appreciate my endeavor of making the report and accept it.

Sincerely yours,

………………………….
Dolon Roy
ID: M23040203506
Session: Fall-2023
MBA 4th Batch
Department of Finance
Faculty of Business Studies
Jagannath University

I
 Supervisor’s Declaration

I am very pleased to declare that Dolon Roy, ID No: M23040203506, a student of the 4th batch of
MBA (Professional) program ,Department of Finance, Jagannath University, Dhaka has completed
the internship report titled “Credit Risk Management and Financial Performance of Southeast
Bank PLC." under my supervision as part of the academic requirements.

The student has diligently reviewed the relevant literature and conducted the necessary research
over a period of three months to gather and analyze the data required for this report. I have closely
monitored her progress throughout the entire process and guided her accordingly. I further confirm
that this internship report is original work and has not been submitted elsewhere for publication or
academic credit. I wish her every success in her future academic and professional endeavors.

…………………………….

Mohammad Sogir Hossain Khandoker, PhD

Professor
Department of Finance
Faculty of Business Studies
Jagannath University, Dhaka-1100

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 Student’s Declaration

I, am Dolon Roy, ID No:M23040203506, declare that the internship report “Credit Risk
Management and Financial Performance of Southeast Bank PLC.", submitted as requirements of
MBA(Professional) of Jagannath University, Dhaka, and has been prepared by me.

I tried my best to collect necessary information that made the report unique and original. I may
assure you that the report was uniquely prepared by me.

…………………………
Dolon Roy
ID No: M23040203506
Session: Fall-2023
MBA(Professional) 4th Batch
Department of Finance
Jagannath University, Dhaka-1100

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 Acknowledgement
The completion of this undertaking internship report could not have been possible without the
participation and assistance of so many people whose name may not all be enumerated. At first, I
give thanks to the Almighty for giving me this chance.
Secondly, I would like to show my gratitude to my supervisor Mohammad Sogir Hossain
Khandoker, PhD from the core of my heart for his kind support, guidance, constructive instructions
and for motivating me for do this report and for providing me with the golden opportunity to
prepare an internship report on “Credit Risk Management and Financial Performance of Southeast
Bank PLC.". The completion of this undertaking internship report could not have been possible
without the participation and assistance of so many people whose name may not all be enumerated.
I thank them whole heartily for their consent encouragement, warm response and for filling every
gap in mine personal development and knowledge enlightens and valuable ideas that made this
report successfully.
Thirdly, I would like to thank to HR Division of Southeast Bank PLC as they have given chance
me to do internship in R.K Mission Road branch. Fourthly, I would like to thank to Mr. Md Tansen
Habib senior officer of Southeast Bank PLC of R.K Mission Road as he helped me by guiding to
learn banking in a short time. I cordially thank to all.

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 Executive Summary
The internship report is requirement of MBA (Professional) of Jagannath University. This report
covered by “Credit Risk Management and Financial Performance of Southeast Bank PLC.". This
report is intended to assist in detail credit risk management process of Southeast Bank PLC. The
purpose of this report is about credit process of Southeast Bank PLC, credit risk management and
financial performance analysis.

I discussed about objectives, scopes, limitations and the methodology containing the sources of
data. In the Bank Profile of Southeast Bank PLC part I have provided detailed information about
this Bank, with its company profile, corporate vision and mission, product & service and resources.
I discussed about the overall credit processes and risk management of Southeast Bank. I described
financial performance for 5 years from(2020-2024), analysis of performance of Southeast Bank
PLC and Jamuna Bank PLC and comparison. .

In Bangladesh there are more private banks and that is why competition has become very strong
so that SEBL has the task of keeping its current customers. SEBL is mindful, indeed, of its
consumer banking structure and still seeks to adapt over time to developments and wants to
modernize its goods and services.

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 Table of Contents
S.L Particulars Pages
1 Letter of Transmittal I
2 Supervisor’s Declaration II
3 Student’s Declaration III
4 Acknowledgement IV
5 Executive Summary V
1 Chapter one: Introduction 1-3
1.1 Introduction 1
1.2 Objectives of the Study 1
1.3 Scope of the Study 2
1.4 Methodology of the Study 2
1.5 Limitations of the Study 3
2 Chapter Two: Company Overview 4-7
2.1 History and Organization Profile 4
2.2 Mission, Vision, Goal and Commitment 5
2.3 Organization Structure 6
2.4 Product and services 7
3 Chapter Three: Credit Risk Management 8-11
3.1 Introduction 8
3.2 Credit risk 8
3.3 Policies of lending 9
3.4 Credit approval process 10
4 Chapter Four : Financial Performance Analysis 12-16
4.1 a Return on Equity 12
4.1 b Return on Assets 13
4.1 c Net Interest Margin (NIM) 13
4.1 d Earring Per Share 14
4.1 e Net profit margin 15
5 Chapter Five : My Internship Experience 17-18
5.1 Internship Experience 17
5.2 Job Responsibilities: 17
5.3 Overall Learning as an Intern 18
6 Chapter Six : Findings, Recommendation, Conclusion & Reference 19-20
6.1 Findings 19
6.2 Recommendation 19
6.3 Conclusion 20
6.4 Reference 20

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 Chapter One : Introduction

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1.1 Introduction

A bank is a financial institution that accepts deposits from the public and creates credit. Lending
activities can be performed either directly or indirectly through capital markets. Due to their
importance in the financial stability of a country, banks are highly regulated in most countries.
Most nations have institutionalized a system known as fractional reserve banking under which
banks hold liquid assets equal to only a portion of their current liabilities. In addition to other
regulations intended to ensure liquidity, banks are generally subject to minimum capital
requirements based on an international set of capital standards, known as the Basel Accords. Bank
is a financial service industry in the market; bank is all about the collection of money, lending and
borrowing money with others.

In my paper, I covered one of the growing private banks ‘Southeast Bank PLC’. I analyses the
credit risk management and financial performance of Southeast Bank PLC at R.K. Mission Road
branch during 3 months internship. This bank has a great impact in our economy.

Origin of the Report:

Masters of Business Administration (Professional) course requires 3 months attachment with an

organization followed by a report assigned by the supervisor in the organization and endorsed by
the faculty advisor. I took the opportunity to do my internship in Southeast Bank PLC. This
report on Credit risk management and financial performance analysis of Southeast Bank Limited,
R.K. Mission Road Branch,Dhaka has been prepared under the supervision and guidance of
Mohammad Sogir Hossain Khandoker, PhD, Professor, Department of Finance, Jagannath
University.

Background of the Report:

I have worked in general banking department of Southeast Bank PLC, R.K. Mission Road Branch.
In this report, I will try to make credit risk analysis on of SEBL specially focuses on credit
management & credit department.

1.2 Objectives of the Study

Objective of the report have two forms:

a) General Objective
b) Specific Objective

a) General Objective:

❖ To meet the MBA program completion criteria.

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 ❖ To observe & learn how to handle the Southeast Bank PLC credit process & risk
management and financial performance analysis.

b) Specific Objective:

❖ To know how the credit department process loan following which method.
❖ To observe& learn the Credit process &Risk Management.
❖ To know how Commercial banks environment works.
❖ To know the overview of the private banking in our country.
❖ To gain practical knowledge and experience in real life in official environments
1.3 Scope of the Study

The report is based on the observation and studies during internship period. This report would
focus on the overall credit management process in SEBL. This report gives proper information
about the performance and condition of Credit risk management and general banking in Southeast
Bank PLC such as the kinds of lending facilities extended by SEBL, general procedure for getting
loan, how to reduce credit risk.

1.4 Methodology of the Study

The study requires various types of information about service policies, procedures and methods of
General Banking operation and all other departmental operation. Both primary and secondary data
available have been used in preparing this report.

Primary Sources:

1. Practical desk work and direct observation

2. Face to face conversation with the officer and clients

Secondary Sources:

1. Annual report of the Southeast Bank PLC.

2. Files & Folders of the Southeast Bank PLC.
3. Daily diary (containing my activities of practical orientation) maintained by me,
4. Various publications on Bank,
5. Different circulars sent by Head Office of the Southeast Bank PLC and the Bangladesh
Bank.

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 6. Websites of Southeast Bank PLC.

1.5 Limitations of the Study

Limitation means lacking or absence of knowledge, learning process, and way of methodology.

Like any other report, this report has some limitations. These are:

➢ The main constraints of the study are insufficiency of information, which was required for
the study. There are various information the bank officials cannot provide due to security
and other corporate obligations.
➢ Learning all the banking functions within just three months was really tough.
➢ Another limitation of this report is Bank's policy of not disclosing some data and
information for obvious reasons, which could be very much useful.
➢ lacking’s of contact to documents.
➢ Most of the employees are busy that’s for they cannot share their important materials.
➢ As a private banks like, southeast bank ltd to preserve specific evidence that is limited such
as the categorized credits.

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 Chapter Two: Company Overview

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2.1 History and Organization Profile

Southeast Bank PLC is a fast-growing second generation bank. The emergence of Southeast Bank
PLC was at the juncture of liberalization of global economic activities. The company philosophy
- "A Bank with Vision" has been precisely an essence of the legend of success in the Asian
countries.

Southeast Bank PLC is one of the main business banks in the private division and it set up under
the ambit of Bank Company Act, 1991 and consolidated as a Public Limited Company under
Companies Act, 1994 on March 12, 1995. The Bank began its business banking activities on May
25, 1995. During this brief timeframe, the Bank is fruitful in situating itself as a dynamic and
dynamic budgetary foundation in the nation. The bank had been generally enlivened by the
business network, from little business person's business to enormous dealer's business and
mechanical aggregates, including the top of the line corporate borrowers, are roused by their first
exchange development of work and their exercises. Inside a brief timeframe at most 20 years the
Bank of its activity made surprising progress and got together capital ampleness necessity of
Bangladesh Bank. It has been developing quick as one of the pioneers of the new age banks in the
private segment in regard to business and benefit as it is apparent from the budget summaries
throughout the previous 20 years. Southeast Bank Constrained as of now has 133 branches all
through Bangladesh and its point is to be the main bank in the nation's chief markets. The bank by
focusing on client assistance and practice them on its locales to make extraordinary notoriety. The
Bank is focused on giving consistent preparing to its staff to stay up with the latest with present-
day rehearses in their particular fields of work and in this preparation they spurred them to keep
their congruity to deal with various sorts of the client and move them to devotion toward their
work. The Bank likewise attempts to satisfy its offer in-network duties. By such measures, the
Bank expects to develop and build investors' procuring per share. Southeast Bank Restricted
promises to expand consumer loyalty through administrations and fabricate a confiding in
association with clients, which possesses stood the trial of energy throughout the previous twenty
years.

Name Southeast Bank PLC

Head Office Eunoos Trade Center,52-53 dilkusha C/A
Date of Incorporation 12th March 1995
Authorized Capital BDT 15000 million
Principal Activity Commercial Banking
Number of Branches 133
Chairman Mr. Alamgir Kabir Chowdhury
Telephone No. (8802) 9550081,9567271-2
website www.southeastbank.com.bd
Figure 1: Overview of Southeast Bank Limited

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2.2 Mission, Vision, Goal and Commitment

Every business must plan its own mission, vision and goal. This goal and vision must be
accomplished by each business. It has to work for a profitable business. To meet the promise
of the consumer.

Vision:

To become the pioneer bank in Bangladesh and significantly provide a boost to the national
economy.

Mission:

❖ Financial service of the highest standard, using advanced technology.

❖ High-level corporate ethics.
❖ The strategy for managing growth.
❖ Engagement for community and national economic development.
❖ Attract and retain human resources of quality.
❖ It is competitive innovative banking.
Goals:

❖ To become the bank that makes the most profit.

❖ To provides maximum customer satisfaction.
❖ To increase the value and maximize investment returns of shareholders.

Commitments:

❖ To provide high-professional service and use the latest innovative banking

technologies.
❖ Build relationships for a lifetime based on mutual trust and respect.
❖ Respond rapidly and reliably to clients requirements.
❖ Providing competitively priced products and services.
❖ Ensure customer satisfaction in confidence security and protection.

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2.3 Organization Structure of Bank

The bank consists of fourteen levels. In three parts, I classified them. Management of the top level,

Mid-level and management of the lower level. The organizational structure is given below:

Figure 2 : Organogram of Southeast Bank PLC

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2.4 Product and services of Southeast Bank PLC

❖ Conventional banking

• Savings account- SB • Current account- CD • Ananya:Special savings

account for female
client

• Double benefit • Bichokkhon savings • Nokkhotro:Student

scheme- DBS account Savings Account
•
• Monthly savings • Pension savings • Current account-
scheme- MSS scheme- PSS
• Special notice • Monthly savings • Fixed deposit receipt-
deposit- SND scheme- MSS FDR
❖ Islamic banking

• Mudaraba savings • Al- Wadiah current • Mudaraba monthly

account- SB account-CD income scheme

• Mudaraba pension • Mudaraba monthly • Mudaraba special notice

savings scheme savings scheme deposit

❖ Loan and advances

• Working • Overdraft- • Project • Real estate

capital finance OD finance finance
• Car loan • Home loan • Packing credit • Loan against
export bill
❖ Foreign trade

• Import-export service
• Off-shore Banking: Deals with non-resident Bangladeshi citizens and only does
• Foreign currency transactions.
• Foreign Account Tax Compliance Act (FATCA) Compliance

❖ SEBL cards

• SEBL credit card and debit card

• SEBL prepaid card /INSTA prepaid card
• SEBL agent banking debit card

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 Chapter Three: Credit risk Management

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3.1 Introduction

The aim of credit risk management is to optimize the rate of return of a bank by keeping the
exposure of the credit risk within appropriate parameters. The credit risk exposure of the whole
portfolio and the risk of the individual credit or transactions must be handled by the Bank. The
link between credit risk and other risk should be considered by bank. Efficient management of
credit risk is a difficult element of a global risk management strategy and is key to a bank's long-
term success. An institution must address some issues in assessing with credit risk and those are
given below:

Default Probability

Credit Exposure

Recovery Rate

In a continuous phase, SEBL has established its risk culture from the guidelines issued by the
central bank, which are followed in cyclic order. It is a series of multiple steps that enable
continuous improvement in decision-making when performed in sequence. Steps of Bank risk
management process:

3.2 Credit Risk

Credit risk is a risk because of the doubt regarding the willingness of creditors to fulfill their duties.
There are different forms of responsibilities of creditors, from individuals to sovereign
governments. Credit risk is a critical aspect to handle for banks. The risk to credit is the probability
of a contractor creditor not meeting his obligations under the negotiated terms and conditions.
Therefore, the credit risk comes from banks that deal with or lend to companies, private individuals
and other banks or financial institutions.

3.3 Policies of Lending

SEBL has credit policies that include:

a) Lending guidelines

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 b) Approval of Authority
c) Credit Assessment process

3.3.a) Lending Guidelines:

The loan guidance specifically should outline the higher management’s view of the priorities
of business expansion and the term requirement for acceptance of the loans. The guidelines for
lending should provide the basis for expressing loan approval recommendations and should
include the following:

➢ Focus division of industry & business

➢ Classifies of loan services
➢ Limit for individual borrower and group exhibition
➢ Parameter of credit provision such as, large scale, large tenor, large demand

The industry must gather information on the following issues to comply with the above-
mentioned principles before reviewing when deciding on the borrower's credit lines and those
are character, capacity, collateral, capacity and condition.

3.3.b)Approval of Authority:

The same duties are conducted by officers of substitute authority of reasonable care taking into
account the bank's interests. The authority to authorize complies with the bank guidelines. The

Bank of Bangladesh’s guidance from time to time on credit limits, margins, credit length, and
related reimbursements and others. The banking directors exercise their authority only if they
hold similar positions or are reported at the central office in the same division. The approval
authorities' unique features are: South-East Bank Ltd has its headquarters in place for all credit
applications.

Credit Division:

The credit division maintains a strong asset quality and a positive lending culture across all
loan operations, ensuring that the approval process meets consumer expectations without loss
of lending and negligible recovery costs. Credit managers and their teams must have a third-
party appraisal approval that is independent of the bank's commercial and financial risks. The
main responsibilities of the credit division are given below:

➢ Formulate, develop and execute the bank's credit and loan policies.
➢ Provide input and coordination of composition of the loan portfolio of each Company,
criteria of risk activities and concentration of sector with their respective corporate
managers.

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 ➢ If the credit requests proposed by the Relationship Manager are accepted or denied
within the delegated authority.
➢ Issuing assemblies authorization and sending copies to the Corporate Division and to
Credit Management Division.

3.3.c) Credit Assessment:

Before taking a loan authorization decision, Southeast Bank Ltd must conduct a credit and risk
assessment. The following should be taken into account for credit evaluation:

➢ Proposed loan forms

➢ Pursue of loans
➢ Structure of the credit
➢ Analysis of the creditor
➢ Analysis of the supplier and customer
➢ Financial analysis

3.4 Credit Approval Process

Discussion of the process of credit agreement has been given below:

Figure 3: Process of Credit approval.

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3.4.1 Processing of Credit Proposal:
The client must submit the application form containing the required documents and review the
documents according to the Bank's guidelines. The branch reviews the documents to validate
the following: After the loan request form is received:
❖ The relevant details and information were given in all columns of the document.
❖ All documents containing bank documents from the checklist of information.

Separated levels of management approval into following levels of authority:

❖ Credit Committee of Head Office

❖ Delegated Authority to the Managing Director
❖ Executive Committee of the Board

Head office agreements for the assessment of branch proposals and the following obligations:

❖ Evaluation and review of the proposal on the basis of qualities and accordance with
the regular rules and processes and within the SEBL policy guidelines.
❖ Preparation of loan limit proposals to be submitted for approval and renewal by the
credit committee.
❖ Monitor branch lending portfolios, including non-performing and classified
accounts.
❖ Check Periodic assessments of the different statements progress.
❖ Documentation and review of any irregular credits.
❖ Follow up and implementation of SEBL's credit policies.

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 Chapter Four : Financial Performance
Analysis

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4.1 Ratio Analysis of Southeast Bank PLC

For bank performance and evaluation of Southeast bank PLC and Jamuna Bank PLC I will analyze
the ratio analysis. Here I also compare the ratio between SEB PLC and JB PLC. The ratio analysis
will consist of –
a) Return on Equity (ROE)
b) Return on Asset (ROA)
c) Net Interest Margin (NIM)
d) Earnings Per Share (EPS)
e) Net Profit Margin (NPM)
4.1 a) Return on Equity (ROE)

The amount of net income returned as a percentage of shareholders equity. Return on equity
measures a corporation's profitability by revealing how much profit a company generates with the
money shareholders have invested. ROE is expressed as a percentage and calculated as:

Return on Equity = Net Income/Shareholder's Equity

Returns on equities of Southeast Bank and Jamuna Bank Year from 2020 to Year 2024 are given
below:

Year 2020 2021 2022 2023 2024

ROE (%) 11.89 12.92 13.83 14.80 12.93
SEBL
ROE(%) 9.06 7.46 9.17 10.56 9.91
JBL

Return on Equity
20

15

10

0
2020 2021 2022 2023 2024
Southeast Bank Jamuna Bank

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Interpretation

ROE is very popular ratio toward the shareholders of any bank. The higher the percentage
is the better for the bank as well as for shareholders. From the table we can see that Return
on equity of SEBL was increased continuously from 2020 to 2023 then decreased in
2024. In 2024 it was 12.93 million and in 2023 it was 14.80 million. To improve the ratio,
SEBL has to increase its net income (NI) more than average common stock-holders
equity. JBL from the table we can see that Return on equity was decreased continuously
from 2020 to 2021 then increased in 2022 to 2023. In 2024 it was 9.91 million and in
2023 it was 10.56 million. To improve the ratio, JBL has to increase its NI more than
average common stock-holders equity.

4.1 b) Return on Asset (ROA)

The rate of return on asset (ROA) measures the ability of management to utilize the real and
financial resources of the bank to generate returns. Return on asset is most commonly used
to evaluate bank management. Calculated by dividing a company's annual earnings by its
total assets, ROA is displayed as a percentage. The formula for return on assets is:

Return on Asset = Net Income/Total Assets

Returns on asset of Southeast Bank and Jamuna Bank Year from 2020 to Year 2024 are given
below:

Year 2020 2021 2022 2023 2024

ROA (%) 1.46 2.26 1.32 1.50 1.64
SEBL
ROA(%) 0.88 1.37 0.69 0.62 0.47
JBL

Return on Asset
2.5
2
1.5
1
0.5
0
2020 2021 2022 2023 2024

Southeast Bank Jamuna Bank

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Interpretation

Above figure represent the return on asset ratio of SEBL we see that in the year 2024 ROA
1.64. SEBL was in good profitability position.

Above figure represent the return on asset ratio of JBL and we see that in the year 2024 ROA
0.47, so we can say that SEBL was in good profitability position.

4.1 c) Net Interest Margin (NIM)

A performance metric that examines how successful a firm's investment decisions are compared
to its debt situations. A negative value denotes that the firm did not make an optimal decision,
because interest expenses were greater than the amount of returns generated by investments.
Calculate as:
Net Interest Margin = (Investment Returns- Interest Expenses)/ Average Earning Assets
Net interest margin of Southeast Bank and Jamuna Bank Year from 2020 to Year 2024 are
given below:

Year 2020 2021 2022 2023 2024

NIM (%) 2.93 2.56 2.48 2.80 2.95
SEBL
NIM(%) 2.75 2.45 2.56 2.59 2.55
JBL

Net Interest Margin

4

0
2020 2021 2022 2023 2024

Southeast bank Jamuna Bank

Interpretation
Above figure represent the net interest margin ratio of SEBL we see that in the year 2024 NIM
2.95 on the other hand JBL’s NIM 2.55 in year 2024. So we can say that SEBL was in good
position.

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4.1 d) Earnings Per Share (EPS)
The formula for calculating earning per share is
Earnings Per Share = Net Income / No. of Share Outstanding

Earnings per share of Southeast Bank and Jamuna Bank Year from 2020 to Year 2024 are given
below:

Year 2020 2021 2022 2023 2024

EPS(%) 1.46 2.26 1.32 1.50 1.64
SEBL
EPS(%) 0.88 1.37 0.69 0.62 0.47
JBL

Earning Per Share

2.5
2
1.5
1
0.5
0
2020 2021 2022 2023 2024

Southeast bank Jamuna Bank

Interpretation
Higher earning per share is always better than a lower ratio because this means the company is
more profitable and the company has more profits to distribute to its shareholders. Here, SEBL
in 2021 EPS increased but in 2024 EPS was 1.64.

On the other hand JBL EPS also increased in 2021 but in 2024 it goes down. Here SEBL was in
good position .

4.1 e) Net Profit Margin (NPM)

Net profit margin ratio establishes a relationship between net income and operating income that
indicates management efficiency in providing services, administrating and selling the product. A
higher profit margin ratio indicates a higher margin safety and lower risk for the organization and
vice versa.
Net Profit margin = Net Income/ Operating Income

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Net profit margin of Southeast Bank and Jamuna Bank Year from 2020 to Year 2024 are given
below:

Year 2020 2021 2022 2023 2024

NPM (%) 28.64 12.90 25.28 27.92 26.00
SEBL
NPM(%) 23.12 23.00 23.60 22.80 24.59
JBL

Net Profit Margin

40

30

20

10

Southeast Bank Jamuna Bank

Interpretation:
From the graph SEBL we see that, in 2021 the Net profit margin was 12.90 million and in
2022-2024 it increased in 26.00. From the graph JBL NPM was remain same in 2020-2022.
But in 2024it was 24.59 . Here SEBL was in good position also.

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 Chapter Five: My Internship Experience

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5.1 Internship Experience

I worked for three months as an intern at Southeast Bank PLC’s R.K. Mission Road Branch. At
the time of my internship program, I gained a lot of experience about professional workplace. My
Internship experience are given beneath:

5.2 Internship Position, Duties & Responsibilities:

The report has been set up based on experience gained at the time of my internship. Within this
period, I mostly worked with departments specifically General Banking and Accounts divisions.
The Bank doesn't pursue any rule or fixes any duty for internship student. Mainly, I have done
numerous pending works of the account opening department and accounts department. Other
than that I have done diverse sorts of works in various work areas whenever they assigned me to.

a) Accounts Opening Department

I have begun with the account opening department. Here I have learned the procedure of opening
an account and the documents that are required for opening an account and all sorts of accounts
dealt by Southeast Bank PLC. My supervisor gave me a brief description of his routine tasks
before assigning me to a particular task. Later my own perception and officer’s direction allowed
me to understand the purpose of various types of accounts along with their features which
incorporates, current account (C/A), Savings account (SB), STD, FDR and different schemes.
The following activities were done by me-
• Giving the customers the information what type of documents will be required to open an
account. In order to open account, they need one passport size photo of client and one
passport size photo of nominee and the photocopy of the client’s and nominees National
ID.
• Filling and sequencing different account forms in different files. For current, savings &
SND accounts maintained by 111, 121 & 131 series files. Where for FDR the series code
was 243, 241, 242, 245.
• Fill up the account opening form with customer information from customer National ID
card.
• Entry cheque book number in the Cheque Book Register with client information.
• Providing cheque book by asking client’s name, account number and taking client’s
signature in the Cheque Book Register.

b) Accounts Department

Accounts department is the sensitive part of a bank. This department is one of the important and
busy departments. Actually, in this department, all the department task, all department transaction
vouchers are maintained. Moreover, all kinds of daily expenses are maintained and office materials
and equipment like- Pen to office clearing material everything purchase documents and its
accounting procedure all are maintained in this department. As an intern, my jobs are as following:

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 • Debit and credit voucher separation.
• Check every voucher have the proper date, signature verified seal, date seal and
cancellation.
• Audit voucher by matching the printed-out transaction listing with the Debit and Credit
voucher.

During my internship, I have gained experiences and learned some lessons that have helped me
reflect on the growth and evolution of the banking industry Bangladesh and Southeast Bank. These
experiences and lessons will be a great tool for growth and development in my professional career.
Below I am sharing some of my lessons and experiences-

➢ I have become more socially aware as a strong bond was formed with coworkers and even
some customers.
➢ Discipline is essential in the banking industry to provide smooth and satisfying customer
experience

5.3 Overall Learning as an Intern

Collaboration : Banks that wish to succeed in today’s competitive business environment can’t
solely rely on a few leaders but should find ways to collaborate. It is crucial to understand that the
most exceptional progress and effective decision making is boosted by the collaboration of many
minds. That’s why I along with my teammates have gone through the collaboration for effective
decision making. When a problem arose, we used to look for innovative ideas considering the
regulations. We also kept in mind about the security issues while working as it is the most
important part of the banking sector.

Time Management : Time management is a crucial part while trying to reach a goal. I used to
schedule my tasks and deadlines. By organizing my workspace, I used to manage time too. I used
to stick to the daily schedule. To-do lists can be productive while prioritizing tasks. Keeping things
organized also helped me a lot while working.

Analyzing Issues : While solving a problem I along with my team used to analyze the problem
and identify the probable solution to solve the certain problem. Validity check of customers for
the transacting process is very important. When a problem used to occur I along with my team
analyzed the problem and tried to bring the optimal way to solve the problem.

Despite the fact that my internship was only three months long but I learned many lessons that I
will carry with me forever. This practical orientation program helped me gain knowledge of
practical banking and compare theoretical knowledge with practical knowledge. I tried to cover
all activities of general banking which I got the chance to gather practical experience for the
internship program. Because of time restriction it was not possible to go to the depth of each
activity. However, Best effort has been given to accomplish the Internship program.

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 Chapter Six : Finding, Recommendation,
Conclusion and Reference

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6.1 Findings

❖ Verification of client documents such as NID, Passport, Driving License, Trade License,
Certificate of Incorporation, and Board Legislation to protect the client's fraudulent
activities.
❖ ROE of most of the SEB PLC and JB PLC has maintained a level over the year.
❖ SEBL has introduced central limit loading in order to minimize the documentation risk.
❖ Compliance with guidelines from the Bangladesh Bank will reduce money laundering.
Appropriate know your customer (KYC) should be performed at the time of opening of the
account.
❖ Due to Govt. intervention SEBL net interest margin almost same. JBL also the same but in
2024 net interest margin decreased.
❖ Risk areas are correlated with opening an account. But now the bank can verify national
identification number (NID) through online checking service site.
❖ The majority of customers come to SEBL to borrow term loan.
❖ Most consumers have a good perception of SEBL. .

6.2 Recommendation
In the banking sector in Bangladesh, SEBL is one of the growing banks. A small branch is the
R.K. Mission Road Branch of Southeast Bank PLC. Working at Southeast Bank Limited was a
delightful experience. The bank's employees were very helpful and professional. Despite this,
within the very short duration of the practical training program, it was not an easy task to find too
many items. The suggestions given are just individual opinion to enhance the service of the
customer in order to meet the satisfaction of the customers so that Southeast Bank PLC is operation
can be become easier. Recommendations are given below:

❖ Promotion to build a good brand image should be emphasized, because there is no

alternative to promoting the brand in today's world.
❖ Build more customized credit management parameters.

SEBL is a 2nd generation founded commercial bank, but in a short period of time it establishes a
strong reputation. Southeast Bank PLC is responsible for raising the standard of living of a certain
particular population and embracing the Market Finance Country and short term loan. Southeast
Bank PLC’s financial position is good. The standard of loans and deposits is higher than that of
most private commercial banks in Bangladesh. The Credit Facility provided by Southeast Bank

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PLC attracted security and status-conscious businessmen and also security-conscious businessmen
as well as higher Southeast Bank PLC service holders have a large nationwide network and offer
quality services to all levels of Customers people Relationships built by International and Local
Banks. Installing and using a highly advanced, BANK ULTIMUS helps Southeast Bank PLC to
connect timely with all branches, eliminating unnecessary loss of time for Valued Consumer
Transaction ATM Cards, Credit Cards and Southeast Bank PLC telephone banking provide
customers with 24-hour banking facilities from their accounts.

6.3 Conclusion
The purpose of the report is to assess the Southeast Bank PLC’s credit risk management. Credit
risk awareness was an important matter for each bank. Unless banks are able to recover the money
they have given, the financial inability will eventually result and their day-to-day operations will
be stopped.

In order of statistical significance operating expenses are of a supreme importance in affecting the
profitability, providing support to the argument that their high ratio lowers efficiency and
profitability. Banks tend to be more profitable when they are able to undertake more lending
activities, yet due to the credit quality of lending portfolios, a higher level of provision is needed.
Banks need to improve profitability by improving screening and monitoring of credit risk. Finally,
concerning the fact that the impact of bank size does not significantly determine bank profitability
indicates that large banks in the industry have not significantly enjoyed economies of scale.

We can say that SEBL should do their best to keep up their impact extents as all of these extents
show that they have very high impact and thusly, they also have a higher peril. Other than this,
they need to grow the proportion of significant worth capital as a great deal of impact may be
identified with more danger and besides, it shows the bank's financial deficiency. Finally, it might
be said that SEBL's general execution was satisfactory.

6.4 Reference

• Annual Report of Southeast Bank PLC Year 2020-2024

• Websites: https://www.southeastbank.com.bd/
• Annual Report of Jamuna Bank PLC Year 2020-2024
• Website : https://www.jamunabank.com.bd/

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