1. GENERAL BANKING SYSTEM OF NCC BANK LTD
1. Introduction
1.1. Title of the Study
General Banking of National Credit and Commerce Bank Limited (NCCBL)
1.2 Profile of the Organization
Banking structure is changing day by day and the far-reaching program of economic reform is
carried out towards efficient utilization of scarce resources and the development of private
entrepreneurship. Competition is strengthened by the entry of new and innovative providers of
financial services through the development of Money Market and Capital Market. Under the
ongoing financial liberalization program, the NCC Bank Ltd emerged as a fast growing leading
and prominent bank in the private sector to operate on the commercial arena of Bangladesh. The
bank has been sponsored by a group of renowned personalities from the field of trade, commerce
and industries including some eminent entrepreneur. Highly skilled professionals having wide
experience in domestic and international banking manage the bank. The NCC Bank Ltd has
already occupied a challenging position among its competitors after achieving success in all
areas of banking operation. It offers all kind of commercial, corporate and personal banking
services covering almost all segments of the society. To serve the customers through capacity
building across multi delivery channel is one of the main strategies of the NCCBL. The bank is
gradually expanding branch for coming nearer to its customers for providing various convenient
services. Thus, in the local market the operation of the NCCBL is highly appreciated for its
customer oriented focus.
1.3 Rationale of the Study
 To know the in’s and out’s of General banking.
 We know that in whatever career we are in, we need to do banking transactions in one
way or the other. So knowing more about general banking will help me in knowing my
banking transactions better than usual.
 When I start my career in any organization I need to go through banking transactions,
knowing more about General Banking helps me to do transactions logically and smoothly
because of the knowledge I have gained and its various aspects.
 My report on General Banking will help students who would want to do an internship on
General Banking or can be a help to the students of the course Banking.

2. GENERAL BANKING SYSTEM OF NCC BANK LTD
 I will also be able to suggest my friends & family to do better transactions with the bank
from now on & as business organization belong the the society, friends & family can
benefit those organizations by doing banking transactions faster and error free
2. Statement of the Problem
I had to face a lot of problems during the making of this report. When preparing the report I have
faced the following problems.
3 months or 12 weeks given time is not enough to understand the overall General
Banking operations of a commercial bank.
I have no experience in making a internship report, so this is one of the main constrains
of the study.
Bank’s Policy of not disclosing sensitive data for some obvious reasons are also a major
problem.
The banks officials are often busy with the pressure of work as it the regional head office
is also considered a problem when making this report.
3.0 Scope of the Study
This report has been prepared through extensive discussion with the bank employees, clients and
officers and on the information gathered from the annual report, prospectus and the website of
National Credit & Commerce Bank Limited, Agrabad branch. I have got the great opportunity to
have an in-depth knowledge of the General Banking system of NCCBL. The scope of this report
is not only limited to the General Banking system.

3. GENERAL BANKING SYSTEM OF NCC BANK LTD
4.0 Objectives of the Study:
Every task has a particular aim. A study without objectives cannot reach the destination. My
internship program was also directed to some particular targets. The main objective of this study
is “The General banking Procedures of NCC Bank Limited”. For searching the overall customer
related job I had to find out the general Banking procedure at this branch.
So the objectives of the study conducted in the NCC Bank Limited are mentioned below:
 To know about the general banking system of NCCBL.
 To identify the problems of general banking of the bank.
 To apply theoretical knowledge in the practical filed.
5.0 Methodology of the study
From my educational background I have learned different methodology in Business & Marketing
research process. So, in this study I had the opportunity to implicate my education knowledge in
practical field.
Data Collection:
In this report both primary and secondary data are collected.
Primary Sources of data:
1. Personal interview – Face-to-Face conversation and in depth interview with the respective
officers of the branch.
2. Observation – Observing the procedure of banking activities followed by each department.
Secondary Sources of data:
3. Relevant documents related to the study as provided by the officers.
4. Annual report (2010 & 2011) National Credit and Commerce Bank Limited (NCCBL)
5. Circulars Published by Bangladesh Bank.

4. GENERAL BANKING SYSTEM OF NCC BANK LTD
6. Different publication regarding Banking function.
7. Websites of the bank is also used as major sources.
6. Time line of Activates:
For the fulfillment of the desired purpose following working days are spend to various
department: