Internship Report___marketing Report of NCC Bank

8/10/2019 Internship Report___marketing Report of NCC Bank

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Effectiveness Study of the Current Marketing Activities of NCC Bank Limited 1

Chapter One

I ntroduction Part


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1.1 Introduction

The internship program is an important part of Bachelor of Business Administration (BBA).

Internship creates a unique opportunity for the student to apply their theoretical knowledge into

practice and gain valuable real world business experience. It has become essential for me to havesome idea on the bank and banking procedure. As our educational system predominantly text

based. Bachelor of Business Administration (BBA) is a professional course. The course is

designed with an excellent combination of practical and theoretical aspects. After completing

BBA, certain times are preserved for internship.

1.2 Background of the Report

As a student of BBA, Internship is an academic requirement. For internship I am required to

work in a selected institution to enhance ones practical knowledge and experience. For the

requirement of my course I was assigned to National Credit and Commerce Bank Limited

(NCCBL), Elephant road branch for my internship.

I have worked in various department of NCC Bank Limited, Elephant Road Branch. In this

internship report, I will try to make a report on all current marketing activities of NCC Bank

Limited.

Basically , this internship report is highlighted on current marketing activities of NCC Bank

Limited ,Analysis ,Present status ,Performance of NCC Bank Limited ,Own experience.

1.3 Scope of the report

The study will focus on none other areas but previous and present marketing activities of NCC

bank limited.


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1.4 Objectives/Purpose of the Study

The main purpose of the study is to analysis all current marketing activities of NCC Bank

limited.

The study has been undertaken with the following purposes:

To evaluate the marketing activities of NCC bank limited on the basis of marketing

related theoretical learning.

To investigate the effectiveness of its marketing activities among the existing and

potential clients.

To suggest the bank to make it marketing activities more effectives.

1.5 Limitations of the Study

Every matter has some limitation. Therefore, is also not an expectation? The limitation of this

internship report is stated below:

Officials of NCCBL maintain a very busy schedule. So they were not able to provide

enough time to enlighten the internee students.

Relevant papers and documents were not available sufficiently.

Due to time limitation many of the aspects could not be discussed in the present report.

Learning all the functions within just 90 days is really tough.

The functions and activities of NCC Bank are too vast, so they change their strategy day

by day. As a result I cant collect update information & strategy.

Most recent data and information were not available.


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1.6 Significance of the Study

As I was assigned to the National Credit and Commerce Bank Ltd at the Elephant Road branch,

there is enough scope of the study. The internship report topic Effectiveness study Of The

Current Marketing Activities Of NCC Bank Limited. I learn many things if the study. I think

this study helps my studies and there is more significance value of the study.

I have gathered valuable information from NCCB, Elephant Road Branch and I have also got

some information from website of NCC Bank Ltd. In this report I focus on the current marketing

activities of NCC bank. This study significance is to learn NCC bank current marketing

activities.


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Chapter Three

Overview of the Company


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3.1 History of National credit and commerce Bank Limited

National credit and commerce bank limited popularly known as NCC Bank ltd.NCC Bank is a

commercial bank in Bangladesh. At first This Company started as a investment company. NCCBank started banking activities on 17 may 1993.NCC Bank permitted capital of Tk 750 million

divided into 7.5 million ordinary shares of Tk 100 each and paid up capital of Tk 195 millionwhen NCC Bank started banking activities .NCC bank paid up capital was improved to Tk 390million in 2000.NCC Bank is the restructured form of the first investment company in the

country and known as the National Credit Limited (NCL).Now NCC Bank has completed long

21 years of journey in banking sectors in our country and already they reach their goal .This is atotal success story all the way and NCC Bank do their banking activities perfect way . NCC

bank could make its availability felt in the national level by undertaking and exploring new fields

of investment. In our country there are no banks has invested before .NCC Bank manage banking

activities by 23 member board of directors, including the chairman and a vice-chairman overseasthe affairs of the bank .The managing director is its chief executive .All over the country NCC

bank had 58 branches .NCC Bank registered head office of the bank is at Motizil, Dhaka,

Bangladesh. NCC Bank bears an outstanding story of its own banking sector and NCC Bankcreate brand image in banking side in Bangladesh. NCC Bank always tries to sustain the supremequality services by upgrading Banking technology prudence in manage.NCC bank always try to

help their customers and they think customers are their main part.

3.2 Objective of the Company

The main objective is to maximize profit through customer satisfaction which very much reflects

idea of marketing concept .NCC Bank try to earn maximum profit by providing best quality andimproved customer service.

NCC Bank others corporate objective are:

To deliver the best quality services to the customers.

To perform in order that customers choose them first.

To maintain the high standard of corporate ethics.

To be the most efficient bank in terms of technology application.

To accomplish their goal in customer banking sector.

To earn position in the domestic leading market in corporate banking sector.

To contribute their profit and capital of national capital.

Tofight for good profit and try their best to earn maximum profit.


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To respect the customers and try to understand customer needs.

To maintain excellent customer relationship with their banking customers.

To help the society and save the country thats why recently NCC bank started Green

Banking.

3.3 Vision of NCC Bank

The vision of NCC Bank limited become the serving the nation and creating dynamic, profitableand socially responsible bank and financial institution.NCC bank try to create progressive

institution by bringing credit & commerce together for profit and sustainable growth.NCC bank

also building socially responsible institution mainly focus on markets and businesses institution .

3.4 Mission of NCC BankThe mission of NCC Bank limited become mobilizing financial capital.NCC Bank try to

contribute in Agriculture's, Industry, Markets ,new innovative institution , business firm &

Socio-economic development of the country. NCC Bank tries to play a catalytic role in the

formation of capital market in our country.

3.5 Values of NCC BankNCC Bank monitoring to the following values:

To create more potential customer relationship based on unity, highest quality service,

better facility, good communication and manual benefit.

To help new innovative business and improvements the business.

To try their best help their customers and work as a family to serve the best interests of

the group.

To be responsible, liable, faithful and lawful in every environment.

To value and respect the people and help their clients.

To take steps and provide recognition and reward on performance.

3.10 Hierarchy

Managing Director

Senior Executive Vice

President

Executive Vice President


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3.11 Products and Services

The product/service offers by NCC Bank is shown below in a chart:

Loan & Advance Products

Working Capital Financing

Commercial & Trade Financing

Long Term Capital Financing

House Building Financing

Retail & Consumer Financing

Senior Vice president

Vice President

Sr. Assistant Vice President

Senior Principal Officer

Principal Officer

Senior Officer

Officer

Probationar Officer

Junior Officer

Assistant Officer

Assistant Vice President
http://www.nccbank.com.bd/index.php/nccbproducts#loanhttp://www.nccbank.com.bd/index.php/nccbproducts#loanhttp://www.nccbank.com.bd/index.php/nccbproducts_workingcapitalloanhttp://www.nccbank.com.bd/index.php/nccbproducts_commercialtradeloanhttp://www.nccbank.com.bd/index.php/nccbproducts_longtermcapitalloanhttp://www.nccbank.com.bd/index.php/nccbproducts_housingloanhttp://www.nccbank.com.bd/index.php/nccbproducts_retailconsumerloanhttp://www.nccbank.com.bd/index.php/nccbproducts_retailconsumerloanhttp://www.nccbank.com.bd/index.php/nccbproducts_housingloanhttp://www.nccbank.com.bd/index.php/nccbproducts_longtermcapitalloanhttp://www.nccbank.com.bd/index.php/nccbproducts_commercialtradeloanhttp://www.nccbank.com.bd/index.php/nccbproducts_workingcapitalloanhttp://www.nccbank.com.bd/index.php/nccbproducts#loan


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Agricultural Financing

Import & Export Financing

Retail/Consumer Loan Products

Consumer Finance Scheme

Personal Loan

Education Loan

House Repairing & Renovation Loan

Home Improvement Loan

Car Loan Scheme

Deposit Products

Current A/C

Savings Bank Deposit A/C

Special Notice Deposit A/C

Term Deposit A/C

Premium Term Deposit A/C

Instant Earnings Term Deposit

Special Savings Scheme

Money Double Program

Money Triple Program

Special Deposit Scheme

RFCD

Services

NCCBL Securities & Financial Service
http://www.nccbank.com.bd/index.php/nccbproducts_agricultureloanhttp://www.nccbank.com.bd/index.php/nccbproducts_importexportloanhttp://www.nccbank.com.bd/index.php/nccbproducts#retail_loanhttp://www.nccbank.com.bd/index.php/nccbsme_consumerfinancehttp://www.nccbank.com.bd/index.php/nccbsme_personalloanhttp://www.nccbank.com.bd/index.php/nccbsme_educationloanhttp://www.nccbank.com.bd/index.php/nccbsme_housereparingloanhttp://www.nccbank.com.bd/index.php/nccbsme_homeimprovementloanhttp://www.nccbank.com.bd/index.php/nccbsme_carloanhttp://www.nccbank.com.bd/index.php/nccbproducts#deposithttp://www.nccbank.com.bd/index.php/nccbproducts_currentaccounthttp://www.nccbank.com.bd/index.php/nccbproducts_savingsdeposithttp://www.nccbank.com.bd/index.php/nccbproducts_sndhttp://www.nccbank.com.bd/index.php/nccbproducts_termdeposithttp://www.nccbank.com.bd/index.php/nccbproducts_premiumtermdeposithttp://www.nccbank.com.bd/index.php/nccbproducts_ietdhttp://www.nccbank.com.bd/index.php/nccbproducts_ssshttp://www.nccbank.com.bd/index.php/nccbproducts_moneydoublehttp://www.nccbank.com.bd/index.php/nccbproducts_moneydoublehttp://www.nccbank.com.bd/index.php/nccbproducts_moneytriplehttp://www.nccbank.com.bd/index.php/nccbproducts_sdshttp://www.nccbank.com.bd/index.php/nccbproducts_rfcdhttp://www.nccbank.com.bd/index.php/nccbsecuritieshttp://www.nccbank.com.bd/index.php/nccbsecuritieshttp://www.nccbank.com.bd/index.php/nccbproducts_rfcdhttp://www.nccbank.com.bd/index.php/nccbproducts_sdshttp://www.nccbank.com.bd/index.php/nccbproducts_moneytriplehttp://www.nccbank.com.bd/index.php/nccbproducts_moneydoublehttp://www.nccbank.com.bd/index.php/nccbproducts_ssshttp://www.nccbank.com.bd/index.php/nccbproducts_ietdhttp://www.nccbank.com.bd/index.php/nccbproducts_premiumtermdeposithttp://www.nccbank.com.bd/index.php/nccbproducts_termdeposithttp://www.nccbank.com.bd/index.php/nccbproducts_sndhttp://www.nccbank.com.bd/index.php/nccbproducts_savingsdeposithttp://www.nccbank.com.bd/index.php/nccbproducts_currentaccounthttp://www.nccbank.com.bd/index.php/nccbproducts#deposithttp://www.nccbank.com.bd/index.php/nccbsme_carloanhttp://www.nccbank.com.bd/index.php/nccbsme_homeimprovementloanhttp://www.nccbank.com.bd/index.php/nccbsme_housereparingloanhttp://www.nccbank.com.bd/index.php/nccbsme_educationloanhttp://www.nccbank.com.bd/index.php/nccbsme_personalloanhttp://www.nccbank.com.bd/index.php/nccbsme_consumerfinancehttp://www.nccbank.com.bd/index.php/nccbproducts#retail_loanhttp://www.nccbank.com.bd/index.php/nccbproducts_importexportloanhttp://www.nccbank.com.bd/index.php/nccbproducts_agricultureloan


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Treasury Service

Remittance Service

Locker Service

Off Shore Banking Unit

Schedule of Charges

Cards

Credit Card

Debit Card

Remittance

Wage Earners Welfare Deposit Pension Scheme

Overseas Employment Loan Scheme

3.13 Marketing activities of NCC Bank Limited

Bank manager and bank employees are going to the nearest local market near bank

branch and talk to the clients. They try to say them about bank products , new

products ,bank facilities and inform clients about bank loan information. This is one

kind of marketing. Because by this visit local businessman understand bank information

and they come to the bank branch. By this marketing activity day by day bank clients are

increase. This is one kind of marketing.

Commercial advertisement on television is more effective way for marketing .NCC bank

do this marketing activity .This is easy way to reach the customer .So NCC bank

broadcast their commercial advertisement on television.

In our county different cultural festival is occurred .In different festival NCC bank

limited felicitation their clients by television advertisements. It helps to increase their

clients.NCC bank think its their responsibility.

This Ramadan month NCC Bank limited arrange some beautiful marketing activities

.This activity create beautiful image to the customer. In this Ramadan month NCC bank

create iftar and Shari time feature poster using their brand logo and give their clients

.This is one kind of marketing activity.
http://www.nccbank.com.bd/index.php/nccbservices_treasuryhttp://www.nccbank.com.bd/index.php/nccbservices_remittancehttp://www.nccbank.com.bd/index.php/nccbservices_lockerhttp://www.nccbank.com.bd/index.php/nccbservices_offshoreBankinghttp://www.nccbank.com.bd/files/scheduleofcharges/Schedule%20of%20Charges%202010.pdfhttp://www.nccbank.com.bd/index.php/nccbproducts#cardshttp://www.nccbank.com.bd/index.php/nccbproducts_creditcardhttp://www.nccbank.com.bd/index.php/nccbproducts_debitcardhttp://www.nccbank.com.bd/index.php/nccbproducts#remittancehttp://www.nccbank.com.bd/index.php/nccbproducts#remittancehttp://www.nccbank.com.bd/index.php/nccbnrb_wewdpshttp://www.nccbank.com.bd/index.php/nccbnrb_overseasemploymentloanhttp://www.nccbank.com.bd/index.php/nccbnrb_overseasemploymentloanhttp://www.nccbank.com.bd/index.php/nccbnrb_wewdpshttp://www.nccbank.com.bd/index.php/nccbproducts#remittancehttp://www.nccbank.com.bd/index.php/nccbproducts_debitcardhttp://www.nccbank.com.bd/index.php/nccbproducts_creditcardhttp://www.nccbank.com.bd/index.php/nccbproducts#cardshttp://www.nccbank.com.bd/files/scheduleofcharges/Schedule%20of%20Charges%202010.pdfhttp://www.nccbank.com.bd/index.php/nccbservices_offshoreBankinghttp://www.nccbank.com.bd/index.php/nccbservices_lockerhttp://www.nccbank.com.bd/index.php/nccbservices_remittancehttp://www.nccbank.com.bd/index.php/nccbservices_treasury


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National credit and commerce bank limited (NCCBL) highlights different kinds of news

in television with their company logo. This increase company brand value and brand

image.

National credit and commerce bank limited (NCCBL) Advertisement of consumer

banking such as household durables schemes; Special scheme for medical instrument,

office furniture, house loan, car investment scheme and other services offered by the

bank is published Magazine & Journals media.

NCC Bank limited creates yearly calendar every year with NCC bank limited bank logo.

This is one kind of marketing activity of NCC bank limited. Calendar organizes days for

social, religious, commercial or administrative purposes.NCC bank give their present

clients and sometimes give the government and private companies .It is marketing cause

peoples see that their mind flow that.

NCC bank limited create others advertisement. Like roadside advertisements in different

city special in Dhaka city. This is marketing activity.

NCC Bank Limited arrange different kinds of live cultural programs .like pohela

Boishakh, Eid festival. This is one kind of advertisement.

National credit and commerce bank limited (NCCBL) advertisement digital and plastic

signboard of different branches. This is also a kind of advertising. ATM booth locatedin different areas of the cities represents the banks logo.

NCC bank limited set up billboard crowded place in Dhaka city and important place.

Customers see those billboard and they learn about NCC bank. This is one kind of

marketing.

NCC Bank Ltd. publishes prospectus to collect shareholders and bondholders. Annual

report is published for the purpose of declaring dividend, equity and asset of the bank.

Annual report must be submitted parties like Bangladesh Bank, Shareholders, different

research firms and interested groups. This is one kind of marketing.

NCC bank limited set up billboard near supermarkets and hypermarkets.


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NCC Bank publishes desk calendar, diary, note books and provides to its clients and

different parties. Calendars of NCC Bank Ltd. is composed of Historical location of

Islam which motivates people to the Islam.

NCC bank limited arranges different kinds of social work .This are one kind of marketing

activity.

NCC Bank Ltd. informs its target customers through television advertisements especially

when a new branch is likely to open. Television advertisements help people to know the

location and date of commencing banking services in their localities. So target customer

knows about nearest bank and they start banking with NCC bank.

In Dhaka city sometimes we see some small park beside the roads.NCC bank limited

established methodize the beautiful park. There are some beautiful flowers ,bonsai trees

and those tree creates our city beautiful and trees gives us oxygen. This is bank most

recent marketing activity.

NCC Bank publishes advertisement of launching a branch and other special offers in

different Daily Newspaper in our country. Thats why target customer become acquainted

new branch .So new customers will increase.

NCC bank limited arranged blood donation program in NCC bank head office. There

slogan GIVE BLOOD, FEEL PROUD .This is one kind of marketing. Because general

people know their brand.

NCC Bank will build a gate named Freedom and Democracy at the Nilkhet entrance of

the University of Dhaka at a cost of taka one core as part of Banks corporate social

responsibility.

NCC bank limited informs their clients by using television advertisement. Bank inform

the customer about new services such as ATM booth location, Xpress money service,

Address change of a Branch, Consumer banking, Household durables services etc.

Newspaper ads are the most effective media for this services.NCC bank help their

customer and by this way new customer will increase .This is marketing activity.


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Chapter Four

I nternship Activities


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Internship Daily Activities:

In order to deliver a student with job acquaintance and a chance of the transition of theoretical

knowledge into real life involvement, an internship is a requisite. An improved balance betweentheory and practice can be increased through this internship.

This report is a blend of internship program with NCC bank limited and National credit and

commerce bank banking system. I acknowledged various banking tasks and routine banking

actions to fulfill the obligatory internship program. This part is internship activities part.

In this paper explanations have been given about the real life experience gathered from different

departments and I try to share what I learn in my internship time.

4.2 Experience at front desk

When I start my internship at first I meet with the assistant manager and then he introduces all

the bank employees. Then I start my internship daily work. In my internship time period I work

at front desk in National Credit and Commerce Bank Limited. By this work I earn more

knowledge and experience.

In my internship time period I do different kinds banking work. First day I work supplementary

documents. At first talking the supplementary documents from the junior officer an intern needs

to arrange supplementary and then at first the supplementary documentary needs to separate the

unstapled vouchers. Then a supplementary document needs to separate the unstapled from the

recorder. Then an intern needs to rearrange the supplementary by debit and credit. It is a

necessary work. Then Supplementary arrange by user code and date. Then supplementary

arrange by date. In banking system every employees have user code and without user code

supplementary cant arrange. Then Additional papers like postal papers must be submitted

immediately in order to avoid the mixture with the necessary documents. Separate the voucherscheck and pay orders must be done. Without check supplementary cant arrange .If I found any

supplementary without employees signature then it is essential to signature the supplementary by

the employees. It must be done. Because it is urgent to when supplementary arrange. Without

employees signature all the supplementary documents are not valid. Thats why it is necessary to

signature all the supplementary documents and check clearly all the supplementary documents.


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After separating the supplementary documents those supplementary documents must be arranged

by account number wise in order to quicken the work flow. The supplementary must be arranged

by customer account number. Then the papers which are known as supplementary sheets must

be printed. The bank supplementary documents arranged by customers account number and

separated elephant road branch and other branches customers account number. Because when I

separated different branches then it is easy way to find out all documents and arranged the

supplementary documents easily. All the supplementary must be arranged by customers account

number and all the documents arranged one by one.

After completed to arrange all supplementary by account number then next important work is to

match the vouchers number with the top sheet and when I find out supplementary documents

then give a tick mark to the founded ones in the supplementary user. Boucher number must be

match with the top sheet. Thats why alltime easily find out all the documents. But sometimes if

any voucher is missing or not corresponding with the top sheet then the code number must besearched and seen whether they belong that specific branch. All-time code must be match.

Sometime code match but voucher is not found. If the code has matched but voucher is not

found then I had to go to the officer bearing that code number in order to make the copy of

voucher or for then necessary adjustments. Then I told the officer about missing voucher and

then the officer help me and give me printed copy. Then I attached missing voucher and arranged

the vouchers properly. By this way I complete to arrange supplementary documents.

At last I maintain serial number and maintaining the serial (cash, clearing and transfer) vouchersare stapled with the corresponding vouchers.All the cash, clearly, transfer Boucher arranged one

by one. Then separated all cash voucher, cleaning vouchers and transfer vouchers. Then it is

stapled all the Boucher. Then count all debit and credit vouchers. Finally a balancing is done to

match the total number of debit and credits. It is everyday internship work.

I also do another work in my internship time period .An internship needs to maintain whether the

necessities are fulfill or not by recognizing their documents such as national ID card, TIN ,trade

authorization ,photos ,introduction ,recommendation, signature etc. Because sometimes

customers are not fulfilled their important documents and sometimes they cannot maintain

properly and sometimes missing important documents. Thats why I do this important work.

Because it is important when customers open bank account and this time needed some

documents like national ID card, TIN, account holder photos, recommendation, signature,

authority and more important documents


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I do many works in my internship time period. Because I want to learn more and I think this is

my work. In my internship time period, it was a regular duty to receive inward mail which

comprises Demand Draft, Pay order, Letter of credit (LC) etc. from the courier service and give

entry to inward registered books. It must be entry inward mail in the inward registered book

properly. Then inward documents input on the computer. It is important work because all inward

mail must be input in inward registered book. It is clearly seen that all the inward mail register

the book and any inward mail cannot missing to input in the registered book.

As an intern it was also my duty to give all the required seals and signature when the employees

were busy with their personal desks. I want to help the employees. I think this is my duty to help

the employees. Sometimes I do this work. Because all time required seals and signature is more

important and without seals and signature all the documents are not valid.

I also do another work in my internship time period. On the other hand, it was also important tomaintain outward registered mail. I collect all outward mail and then entry all outward mail in

outward registered book. It is an important work in my internship time period. It was a regular

duty in my internship time period.

It is one of my regular duty was to perform balance inquiry and balance statement. Everyday

customers are come to inquiry their balance and sometimes want to know their balance

statement. When employees are busy then I help them. Sometime customers want to know their

balance statement and balance inquiry. Then I tell their information.

Sometimes intern needs to maintain the daily money gram balancing with the assigned officer.

Because sometimes employees are busy. I was also assigned with work to fill up and check all

the deposit account forms. Sometimes customers are cant understand the form information.

Then I help them and fill up their deposit accounts form. Sometimes I check all the documents

because customers forget fill up all the information in deposit account form.

In my internship time I learn how to open savings deposit and which important documents

attached with the deposit form. I also learn how to open current account and which important

documents attached with the form. Sometimes I tell the customers about bank information and

try to say the customers about bank facilities.

I Learn how to open fixed deposit opening system and which necessary documents are add with

the form and talk to the new customer about current account ,savings account, fixed deposit

account information.Sometimes I talk to the customers and answer there question. Talk to the

customer about NCC bank products and upcoming products.Also talk to the new customer and

say them about bank facilities and bank new facilities and answer their question. Sometimes talk


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to the customers savings deposit rates, special savings deposit scheme, special deposit scheme. I

also inform the customers about thanks products.

In my internship time I want to say the customers about bank services that bank provide such as

financial services, security services, locker services, remittance services. Bank provides many

kinds of banking services. Sometimes customers are cant know those services. Then juniorofficer and I also knock them about bank different kinds of services.

In my internship time period I do many works. I also talk to the bank old customers and help

them to give their necessary information. Because sometimes customers come to know their

bank account information and sometimes come to know and wants to solve their problem.

I also do many important works in my internship time period and I want to learn more and more.

Sometimes I call the bank customers and inform the customers their bank information.

Sometimes I inform them bank notice such as head office letter, account information, transaction

information, missing important documents, bank invitation card, bank congratulations, debit cardinformation, credit card information, and bank loan information. Sometimes I talk to the

customers about bank information and bank new facilities. Sometimes I say them meet with bank

manager and bank assistant manager.

Sometimes I also do work in loan section in NCC Bank Limited. I input documents and entry the

name which person apply for loan. Sometimes I help the customers to feel up the bank loan form

and check their necessary documents. Sometime employees told me to do many work and officer

told me input different kinds of bank data in computer.

In my internship time sometimes I set in information desk and inform the new customers and

give the customers necessary information. Sometimes potential customers come to know bank

facilities, bank products, bank upcoming facilities, current deposit information, fixed deposit

information, savings deposit information. Then I try to inform them banking facilities and tell try

to answer their question.

I also do many important works in my internship time period. I also work in letter of credit

section. This is an important section in bank. Bank earns more profit by this section. LC means

payment commitment by a bank (importer bank) committing as per requirement to exporter.

In my internship time period I also work in cash payment section. I help the cash payment

section officer. Sometimes in payment section more customers are come and then I help them.Sometimes I check the cheque and customers account information. Sometimes I check the

amount of taka. Then I give the amount to the customers.

Sometimes I also work in cash collection section. These section customers save their account and

by this section bank collect the money. Sometimes I help the junior officer to collect the m9ney

for the customs. These cash collection sections all time a busy place.


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4.3 Experience at back Desk

In my internship time period I also do work in National Credit and Commerce Bank Limited. I

also earn knowledge and experience in different section in banking.

I also introduce about the account opening software. Nowadays all bank use upcoming software.

Because day by day technologies are increased.NCC Bank Limited uses technology. NCC Bank

Limited Flora banking software. By this banking software banking activities are easily done. I

also introduce the software. All banking documents and transaction are included in this software.

I also do many works in my internship time period. I also work in the cheque clearly section. I

have working experience in the cheque clearing section. Sometimes I work payments section. I

try to help the employees and support them when they are so much busy.

I also worked in the card division. Sometimes I inform the customers when their new debit card

or card arrived in the elephant road branch. Sometimes I call them and inform them.

I also do many works to relate to the banking activities. It was duty to assist the approved to scan

the cheques images and give MS Excel entry in the computer. Because it is necessary to entry

the cheque image and in future it is important documents.

I also work in foreign exchange division. Sometimes I also dealing with foreign exchange

divisions documents like as PAD, LTR etc. in these section customers come to collect

remittance.


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Chapter F ive

Methodology


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5.1 Methodology

All Data have been collected from both primary and secondary source.

Primary sources

For the completion of this report, the primary sources of data are-

Personal Observation

Register and file study from different department of the branch.

Direct communication with the clients.

Informal discussion with professionals

Computer data from accounts section of the branch.

Secondarysources

For this internship report, the secondary data are collected from the below sources-

Annual reports of NCCBL

Desk report related department

NCC bank Brochure


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Different Books

Home page of NCC Bank limited

Different papers of NCC Bank Ltd.

Annual report of NCC Bank Ltd.

Data collection procedure

In order to collect relevant and adequate data it is necessary to follow perfect methodology.

The following methodology I have used-

Research design

This internship report is based on descriptive research.

Research target population

Target populations are all the customer of NCC bank Ltd, Elephant road branch, Dhaka.

Sample size

Total sample size is 30 customers of NCC bank limited.

Sample element

Individual customer of NCC bank limited.

Sampling technique

Non-probability convenience sampling technique is used to conduct the research.


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Time period of data collection

Total time period of data collection is 02 June, 2014 to 02 September -2014.

Chapter Six

Analysis and Findings


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I have conducted my research through questionnaire. For this survey, I have randomly picked 30

samples from the NCC bank customers, Elephant Road Branch .For more accurate outcome, it is

appropriate to pick sample randomly. Therefore to meet this purpose, survey is the most

convenient way.

6.1 Date Analysis

Why you opened bank accounts at the NCC Bank?

Graphical representation:

Interpretation: In this question I want to know why customers opened accounts at the NCC

Bank .By analyzing the survey and according to the data analysis the large number of customer

opened their account because of more profit .Here I have found 10(34%) selected more profit,

7(23%) selected better environment, 6(20%) good banking facilities, 3(10%) near the house,

4(13%) near the office and others get only 0% respondents.

20%

10%

13%34%

23%

0%

Good banking facilitiesNear the house

Near the office

More Profit

Better Environment

Others


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Which kinds of banking facilities you have choice NCC Bank?


Interpretation: In this question I want to know which kinds of banking facilities customer

choice NCC Bank. From data analysis most respondents selected answer bank loans 12(40%),

second largest answer 7(23%)savings fixed deposit then,5(17%) savings deposit

,4(13%)remittance,2(7%) house building finance .

NCC Bank that provides the kind of customer access to customer facilities, what is

your mane?


17%

23%

40%

7%13%

0%

Saving deposits

Saving Fixed Deposit

Bank loans

House Building Finance

Remittance

Others


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Interpretation: In this survey I want to know NCC Bank that provides the kind of customeraccess to customer facilities. In this question customer answer is average cause 50% respondent

average and participants think NCC bank provides the customer facilities are average quality.

From which media did you know the information about NCC bank?


Interpretation: In this question I want to know from which media did you know the information

about NCC bank. By analyzing the survey, There 12 respondents think Television and I have

23%

50%

7%

20%

0%

20%

Good

Average

Excellent

Not Good

Others

0

2

4

6

8

10

12


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found that 7 respondents think to know newspaper. The other respondents choose the other

option to media.

Which media do you think can easily communicate with you?


Interpretation: In this question I want to know which media can easily communicate with the

customers. By analyzing the survey, I have found that 12 respondents think if the promotion give

in the Television, it is easier way to communicate for them and 7 respondents think newspaper

and then others choose the billboard, web, email.

What do you think about NCC banks promotional activities that they provides ?


0% 20% 40% 60% 80% 100%

Newspaper

TV

Radio

Billboard

Web

E-mail

Others

Newspap

erTV Radio Billboard Web E-mail Others

Series1 7 12 0 2 2 4 3


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Interpretation:In this survey I want to know what you think about NCC banks promotional activitiesthat they provide. From date analysis most of the customer is think promotional activities provide the customer. In

this question 12 people respondents average and 8 customers respondents good. The participants customers think

NCC Bank provides normal quality promotional activities.

Which factor satisfying you?


Interpretation: In this question I want to know which factor satisfying customer .The features of the

services make the identifying this survey is explaining about the features of bank is satisfying. By

0

2

4

6

8

10

12

14

Good Avarage Excellent Not Good Others

20%

30%

17%

27%

6%

Quick service

Friendly Attitude

Technology

Facilities

Others


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analyzing the survey, I have found that 9(30%) respondents think friendly attitude, 8 (27%) respondents

think is facilities and 6(20%) customers think quick service. On the other some evaluation are bad also

they should increase their technology.

Is their customer relationship management process effective for their customer?


Interpretation:In this survey I want to know is their customer relationship management process effective for

their customer. In this question customer answer is average cause 40% respondent average, 23%

respondents good, 23% respondents not good and 14% think customer relationship management

progress effective. So the NCC bank customer relationship management process quickly

average.

Do you agree, Employees are always ready to co-operate the customers?


23%

40%

14%

23%

0%

Good

Average

Excellent

Not Good

Others


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Interpretation: In this question I want to know Employees are always ready to co-operate the customers. Byanalyzing shows that 36% customers strongly disagree and based on the survey data employees are not careful

about the customer. More people said that employees of NCC bank are not co-operated.

Is their online banking activities are easier to do your daily work, Do you Agree?


Interpretation: In this question I want to know that Is their online banking activities are easier to do your

daily work. By analyzing the survey, I have found that 8 respondents are strongly agreed, 8

respondents are neutral and the others are as uses. Customers think that online banking activities

help them and make easier their daily work.

36%

20%7%

17%

20%Strongly Disagree

Disagree

Neutral

Strongly Agree

Agree

Strongly Disagree

Disagree

Neutral

Strongly Agree

Agree

4

4

8

8

6


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Do you think the Advertisements that NCC bank provides for their customers are

attracts you?


Interpretation:In this question I wanted to know think the Advertisements that NCC bank provides for

their customers are attracts them. An analysis show that most of the customers strongly agreed that NCC bank

advertising is attacks their customers and 8 others respondents are neutral, 6 respondents agree, 4 respondents

disagree and others respondents strongly disagree.

The marketing activities that NCC bank provides are effective for them, do you

agree?


4 4

8 8

6

Strongly

Disagree

Disagree Neutral Strongly Agree Agree


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Interpretation: In this question I want to know the marketing activities that NCC bank providesare effective for them. By analyzing the survey, I have found that 10(33%) respondents are

agreeing and and 8(27%) strongly agree .The others are as usual.

In your opinion, which media promotion is more beneficial to any kind

of banking?


Interpretation: In this question I want to know which media promotion is more beneficial to any kind

banking. By analyzing the survey, I have found that 10(34%) respondents think if the promotion give in

the Television, it is more communicate able for them. I have also found 7(23%) respondents think if the

10%

13%

17%

27%

33%60%

Strongly Disagree Disagree Neutral Strongly Agree Agree

23%

34%

0%

13%

10%

7%

13%

30%

Newspaper

Television

Radio

Billboard

Web

Email

Others


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media promotion gives in the newspaper. The other 13 respondents choose the other option to

communication.

In your opinion, what should be doing NCC bank to create more customers?


Interpretation: In this question I asked the customers and I want to know what should be doing

NCC bank to create more customers. This is open handed survey question .By analyzing the survey; I have found

that 7 respondents think if the NCC bank employees give quick service and by this way NCC bank create morecustomers. I have also found 4 participants respondents increases branches .Others also say better facilities ,more

promotion ,friendly employees ,increase technology ,increase ATM booth ,increase products facilities .

0

1

2

3

4

5

6

7


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6.2 Findings

The findings from the personal observation and data analysis:

NCC bank must need to accentuate about marketing .Like youngster a/c is a new product

of NCC Bank. If NCC bank go to the schools and colleges then the students could know

the about this product.

NCC Bank account opening from very complicated and unnecessary information

including.

NCCbank have very few ATM booth .Thats why customer face some problem.

NCC bank debit card didnt have the facility to shopping somewhere.


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NCC bank lack of upcoming products.NCC Bank provides limited services.

The survey date analysis I found employees are not careful about the customer .Most

people said that employees of bank are not co-operated.

NCC bank doesnt have any specialized marketing team. Thats why NCC bank doesnt

perform to attract target market.

NCC bank customers arent satisfied withthe bank cash service because cash service

department are slow.

Chapter Seven

Conclusions and Recommendation


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7.1 Conclusion

Bangladesh is a developing country and banking sector is the heart of a developing country.NCC

Bank limited is one of the well-known bank in Bangladesh.NCC bank creates a strong positionthrough its various activities.NCC bank number of customers ,amounts of deposit ,investment

money increase day by day, help social work and help to the country economy .

NCC bank limited creates many kinds of marketing activities and their maximum marketing

activities are effective and customers catch those promotional activities. Customers are more or

less satisfied with the marketing activities of NCC bank.

Clients are also satisfied with the present service of bank and recently bank to start new services

such as Green banking. Day by day NCC Bank takes different types of marketing strategy to get

more customers in the competition market.

At last I want to say that NCC bank limited is developing fast and contribution in our national

economy. I can say that NCC bank is trying to make a distinguish position in the place of clients

mind and NCC Bank create it through their downright brand image, experienced and efficient

employees.


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7.2 Recommendation

NCC Bank must update their website .Its must need.

There is a noticeable absence of the NCC bank from mainstream media, with hardly any

well planned promotional activities.

NCC Bank should be needed to increase their marketing activities.

NCC bank should be needed to more and more television advertising because TV

advertising is more effective.

NCC Bank should be more ATM booth

NCC Bank Online banking system should be updated to attacks more and more

customers.


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Its should be needed to develop their technology. They should be modernizing their

equipment.

NCC Bank should be needed to concern about the quick service. Because time is more

important.

Perfectly maintain the customers.

NCC Bank should need to launch more branches in capital city Dhaka as well as all over

the country.

NCC Bank staff and employees should be aware regarding the customer service.

Development of human resources should be ensured to increase efficiency in work. Moreemployment training program should be taken by controlling authority to ensure

employee competence in order to cope with the changing financial markets.

Ensure perfect communication system and maintain of file and machineries like

computer, telephone, fax, and photocopier.

NCC bank should be more outdoor promotional activities like billboard. Billboard must

be set up in the commercial area.

NCC Bank should be advertising in the newspapers and also electronic media. By

advertising customers aware of the bank and their banking facilities.

NCC bank should be developed their information system.

NCC Bank should be increased employees salary level. Because employees of NCC bank

are satisfied but not highly to motivated to perform their best. So it should be needed to

increase salary.

The rate of FDR & Savings account of NCCBL is comparatively lower and not

competitive. So to compete with others and holding the customers, interest rate should be

increased.


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References

Marketing management 14th

Edition (Philip kotler, Kevin lane keller ,Abraham koshy,

Mithileshwar Jha)

Marketing An Introduction 7th

Edition (Philip Kotler and Gary Armstrong ) Advertising procedure 6

thEdition (W.Ronald lane,Karen Whitehill King ,J.Thomas

Russell)

Annual report of National Credit and Commerce Bank Limited

NCCBL Prospects

NCC bank regular Affairs of Elephant Road Branch

Several Booklets From NCC Bank

Brochures of Different Programs of NCCBL.

Website Address

1. www.nccbank.com.bd

2. www.wikipedia.org/wiki/NCC_Bank

3. www.google.com
http://www.nccbank.com.bd/http://www.nccbank.com.bd/http://www.wikipedia.org/wiki/NCC_Bankhttp://www.wikipedia.org/wiki/NCC_Bankhttp://www.google.com/http://www.google.com/http://www.google.com/http://www.wikipedia.org/wiki/NCC_Bankhttp://www.nccbank.com.bd/


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4. www.facebook.com/NccBankLimited

5. www.yahoo.com
http://www.facebook.com/NccBankLimitedhttp://www.facebook.com/NccBankLimitedhttp://www.yahoo.com/http://www.yahoo.com/http://www.yahoo.com/http://www.facebook.com/NccBankLimited


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Appendix

Sample Questionnaire

Effectiveness Study of the Current Marketing Activities of NCC Bank Limited

Basic Information

Name :

Address : ..

...

Age :..

Sex : Female Male

Profession : Salaried

Organization Name :.

Organization address :

.

Questions for Research:

Q.1: Why you opened bank accounts at the NCC Bank?

(A)

Good banking facilities (B) Near the house (C) Near the office (D) More Profit(E) Better Environment (F) Others

Q.2: Which kinds of banking facilities you have choice NCC Bank?

(A)Saving deposits (B) Saving Fixed Deposit (C) Bank loans (D) House Building Finance

(E)Remittance (F) Others

Q.3: NCC Bank that provide the kind of customer access to customer facilities, what is

your mane ?

(A) Good (B) Average (c) Excellent (D) Not Good (E) Others

Q.4: From which media did you know the information about NCC bank?

A) Newspaper B) TV C) Radio D) Billboard E) Web (F) Email

(F) Others

Businessperson Professional Others


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Q.13: In your opinion, which media promotion is more beneficial to any kind

of banking?

(A) Newspaper (B) Television (C) Radio (D) Billboard (E) Web

(F) Email (G) Others

Q.14: In your opinion, what should be doing NCC bank able to create more

customers

Internship Report___marketing Report of NCC Bank

Documents

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