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BBA
I Southeast Bank Limited
Internship Report
Southeast Bank limited

I
I:
Internship Report
On
Performance Appraisal of Southeast Bank
Limited
A Comparative Study on Gulshan Branch
Supervised By:
M. Sayeed Alam
Assistant Professor
Department of Business Administration
East West University
Submitted BY:
Md. Imran Kayesh
10# 2007-2-10-027
Department of Business Admin istration
Date of Submission: 28 May 2011
EAST WEST UNIVERSITY
Letter of Transmittal
28, 2011
, Sc
~Alam
Professor
ent of Business Administration
est University
:.; ,
"ect : Submission of the Internship Report on Southeast Bank Limited
:~.
Sir,
y great pleasure to present before you my internship report on Southeast Bank Limited
ec as "Performance Appraisal of Southeast Bank Limited -A Comparative Study on Gulshan
ch",
-
~as
been a great learning experience for me taking a real life exposure of Commercial
:c'" 'ng, I would like to thank you for assigning me such a responsibility and helping me on
:.;.te ent aspects of the report.
: cerely,
d. mran Kayesh
2007-2-10-027
[).#
Performance Appraisal of Southeast Bank Limited -A Comparative Study on Gulshan Branch
Letter of Authorization
"', 2010
-- ! :
officially state that Md. Imran Kayesh, 10# 2007-2-10-027 has completed internship
: - :g ~2 m from Southeast Bank Limited, Gulshan Branch, Dhaka.
-e fulfillment of all the requirements of BBA program from Business Administration

_epartment, East West University, he has prepared the internship report on "Performance
ppraisal of Southeast Bank Limited -A Comparative Study on Gulshan Branch" by using his
owl edge and practical experience from his internship works.
wi sh him very success in life.
-==~
~que
Senior Assistant Vice President

& Manager (Operations)
Southeast Bank Limited

Gulshan Branch, Dhaka
EAST
WEST
.wIIITr
Supervisor's Certificate -
- . <:
certify that the internship report on "Performance Appraisal of Southeast Bank
rted -A Comparative Study on Gulshan Branch" is done by Md. Imran Kayesh, 10# 2007-27, as the fulfillment of all the requirements of the BBA program from Business
-- "stration Department, East West University.
-. - internship report has been primed under my guidance and is a report of the authentic
carried out successfully.
M. Sayeed Alam
Assistant Professor
Department Business Administration
EASI
WESI
IIWIIIY
Declaration
berly declare that the work in this internship report title "Performance Appraisal of
So heast Bank Limited -A Comparative Study on Gulshan Branch" is an original work done by
under the supervision of M. Sayeed Alam, Assistant Professor, Department of Business

inistration, East West University.
o part of this report has been previously submitted to any other university /college / institution /
:--ganization for any academic certificate / degree / diploma.
is work 1 have presented does not breach any existing copyright and no portion of this report is
copied from any work done earlier for any degree.
further undertake to indemnity the department against any loss or damage arising from breach of
e forging obligation, if any.
mran Kayesh
10# 2007-2-10-027
BBA Program,
Performance Appraisal o/Southeast Bank Limited -A Comparative Study on Gulshan Branch
EAsr.
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Acknowledgement
would like to take the opportunity to thank a few people without whom my study would have
oeen rather difficult if not impossible. At first I would like to extend my heartiest thanks to the
V1anagement of Southeast Bank Limited. Without their extensive time my study would have
oeen incomplete.
It is my pleasure to extend my heartiest gratitude to Mr. Md Hamidul Haque, Senior Assistant

Vice President & Manager (Operations), Mr. Kayser Imtiaz, Assistant Vice President & In chargeGeneral Banking, Mr. Mohammed Alamgir Kabir Munshi, Senior Principal Officer & In ChargeForeign Trade, Ms. Tanzina Billah, Senior Principal Officer & In Charge- Credit, and Mr. Atiq Ur
Rahman, Executive Officer & In Charge- Accounts of Southeast bank Limited, Gulshan Branch
who, in addition to their wholehearted support, have allowed me to carry out the study in
parallel with my regular workload. I would also like to take the opportunity to give my heartfelt
thanks to Mr. Sheikh Rafiq Ahmed, Senior Officer, Southeast Bank Limited, Gulshan Branch for
his endless support and also providing me with all the materials that was required for preparing
my report.
Finally, my sincere thanks go to my internal supervisor M. Sayeed Alam, Assistant Professor,

Department of Business Administration, East West University for his appropriate suggestions,
moral support and invaluable co-operation from time to time in completing the internship
program especially in the last three months.
Preface
-- ough this report an individual can suppose to have a good knowledge and understanding on
- e performance of Southeast Bank Limited. I have tried my level best to put more emphasis on
:e -formance evaluation of Gulshan Branch it had more emphasis in the topic of my internship
"eport. This report is to be used only for the academic purpose. The author of this report
:ol lected the necessary and relevant data from both primary and secondary sources. But the
~ u thor
could not collect all the necessary information because the organization maintained
~onfidentiality
in providing some information. After three months long hard labor, it has
ecome possible for the report being comprehensive and factual. The data is truly and strictly
confidential and no one can use its components in full or partial. I would like to give thanks to
everyone who has helped and encouraged me in the process of preparing this report.
S:1
Pe<jormance Appraisal of Southeast Bank Limited -A Comparative Study on Gulshan Brooch
Executive summary
:.: - " g is a business, which is run on the confidence and trust of people. This confidence
""""
ed by banks and enables the bank to mobilize funds from various sources. The main
_.:: n of bank may broadly be divided into two categories. Firstly, borrowing money from
: _: . c by accepting deposits and secondly, lending the money to public for development of
--== e, commerce, agriculture and industry. The profitability of a bank always depends on the
'::
"ent management of fund and exploring the genuine avenues in which its resources are
- ested to produce the maximum income .
.!. :.art from borrowing money and lending others, bank work as a financial institution by
- -a ncing to wherever needs to be financed. Structured finance comes as a service that

5= erally involves highly complex financial transactions offered for companies with very unique
- ancing needs. These financing needs usually do not match conventional financial products
.5
ch as a loan.
3 t everything is finally evaluated by the performance of the bank. This is why performance
evaluation of a bank is very crucial in the process of finance. Being a student of Finance, my
'ocus was more on performance appraisal of the bank based on the financial indicators.
Southeast Bank Limited ensures that the amount they financed is given to the right person. For
this, SEBl follows a strict rules and regulation. Financing operation starts from selection of
borrower from field level and ends with disbursing sanctioned amount after proper credit
analysis and documentation. For all these SEBl follows strict regulation which is approved by
the Bangladesh Bank.
Table of Contents
Page
UTER ONE: INTRODUCTION
:.6
.. 8
Introduction
02
Origin of the Report
03
Background of the Report
03
Objectives of the report
04
Methodology
04
1.5.1 Primary Data Collection
04
1.5.2 Secondary Data Collection
05
Limitations of the Study
06
Scope of the Study
06
Report Review
07
CHAPTER TWO: PART ONE- ORGANIZATIONAL PROFILE OF SEBL
2. 1.1
Southeast Bank Limited - The Banking Heritage
09
2.1.2
Strategic Task Analysis
11
CHAPTER TWO: PART TWO- ACTIVITIES OF SOUTHEAST BANK
2.2.1
Activities of Southeast Bank Limited
21
2 .2.2
Corporate banking
23
2.2.3
Retail Banking
24
2.2.4
Conventional Banking
24
Performance Appraisal o/Southeast Bank Limited -A Comparative Study on Gulshan Branch
:U>TER THREE- PERFORMANCE APPRAISAL OF SEBL
- ': : Perfonnance of SEBL
58
:.":": Perfonnance Evaluation of Gulshan Branch
63
CHAPTER FOUR: CONCLUSION
Conclusion
66
Glossary
67
References
68
CHAPTER ONE:
INTRODUCTION
S:1
Performance Appraisal of Southeast Bank Limited A Comparative Study on Gulshan Branch
EASl ,.,_'
1&1[(11
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ntroduction
- - a e bank derives from the Italian word banco "desk/bench", used during the Renaissance
_ ... entine bankers, who used to make their transactions above a desk covered by a green
- - : oth. However, traces of banking activity can be found even in ancient times.
~ct,
the word traces its origins back to the Ancient Roman Empire, where moneylenders
: ... d set up their stalls in the middle of enclosed courtyards called macella on a long bench
:::: ed a bancu, from which the words banco and bank are derived.
=.c"
'ng is known as the backbone of the national economy. Banks play an important role in the
: - iness sector & promoting industrialization & economic development of the country. Banks
: -:)Vi de necessary funds for the execution of various programmes underway in the process of
:-.:onomic development. All sorts of economy & financial activities revolve around the bank. As
- e industry produces goods & commodities, bank creates & controls money market &
: romotes formation of capital.
3an k is a powerful medium to bring socio-economic changes in a developing country like
Bangladesh. The three important sectors in Bangladesh like Agriculture, Commerce & Industry
provide the bulk of the country's wealth. So the nourishment of these sectors is only possible
:hrough satisfactory banking facility.
Basically, Bank collects deposit from the customers at a lower rate of interest & lends it to the
borrowers at a higher rate of interest considering the cost of fund . The spread amount indicates
the operating profit of a bank. Banks provide different services and credits to the customers.
The customer comes from all walks of life, from a small business to a multi-national corporation
having its business activities all around the worlds. The bank has to satisfy the requirements of
different customers belonging to various social groups. The banking business has therefore
become complex & requires specialized skills. It functions as an agent for bringing about
economic, industrial growth, & prosperity of the country. As a result different types of bank
with various services have come in to existence to suit specific requirements.
Sl
Origin of the Report

:.:.- efor of Business Administration (BBA) Program requires 12 weeks attachment with an
:~ni zation
followed by a report assigned by the supervisor in the organization and endorsed by
:- e 'oculty advisor. I took the opportunity to do my internship in Southeast Bank Limited (SBL). My
-: ....c of internship is authorized from the organization .My faculty supervisor Mr. M. Sayeed Alam,
:'.5Slstant Professor, Department of Business Administration, East West University has also
::;proved the topic and authorized me to prepare this report as part of the fulfillment of internship
-eq uirement. The report thus was titled as 'Performance Appraisal of Southeast Bank limited -A
Comparative Study on Gulshan Branch' .
.3 Background of the Report
e business world is getting dynamic and competitive. It is hard for an organization to run &
even survive in a fast paced, growing and uncertain world if it cannot keep tracks with the go of
business dynamism. Business plays and links important roles in developing the economy of a
country. So, as a business graduate, I think I need to be attached with any organization to get a
handy & versatile experience about the business world before starting our career. Internship is
the arrangement, which makes a bridge between our academic knowledge and practical world
to have an acquaintance with the real business world as well as to gear me up to lead the
uture competitive business.
I have worked in all the departments of Southeast Bank limited (SBL), Gulshan Branch, Dhaka.
In this report, I will try to make an overall analysis of the performance of SBL and then compare
the performance of Gulshan Branch with the total performance of the organization.
S::1
Peiformance Appraisal of Southeast Bank Limited -A Comparative Study on Gulshan Branch
Objectives of the report

: -.. ective of this internship report means the purpose of the internship programme & the
-g & finding through the period. This research paper has put emphasized to evaluate the
--r""l"lan ce of the bank through comparison of various financial indicators. The prime
.:-:-" es behind this research paper are pointed bellow:
Give a general profile of the bank and it's services offered to the customers.
Identify the overall performance of the bank in last five years.
Review the existing and probable core risk factor for the banks.
Analyze various profitability ratios of the bank for last five years.
Compare the Performance of the bank's Gulshan Branch with the overall performance
of the bank as a whole.
Find out the policies CBL uses.
Find out recommendations to recommend SBLs weak point .
.5 Methodology
:-h e internship report has been written on the basis of information collected from primary as
Nell as secondary sources. The primary information has been collected from the personnel, in
his case I have used physical attendance to get positive, negative both sides of the company. I
also collected information from all the department In-charges of Gulshan Branch.
1.5.1 Primary Data Collection

The main source of the primary data collection of my report was my discussion with senior
officers of different departments of Gulshan Branch & their opinions & comments. It helped me
Sl
EASI.,
!Wrt~
he essential & vital information to make my internship report. The people of Gulshan
f Southeast Bank Limited & their face to face information is my primary data.
Secondary Data Collection

---: secondary data collection I have collected from several sources .
., Sources of Data /Information

:~a
has been collected from secondary sources. Necessary data and information has been
ected by the following sources:

1. Last five years annual reports of Southeast Bank Limited
2. Last five years statement of Affairs of Gulshan Branch
3. Circulars, letters and memos issued by the Banks and regulatory organization i.e.
Bangladesh Bank and Govt.
4. News papers and journals
S. Internet and websites.
Methods of Data Collection
Data has been collected from secondary sources. Reviewing the materials, visiting to the
concern internet website was the methods of data collections. The data and information has
been collected fully form secondary information . By-
1. Observation
2. Analysis
3. Examine the tools and the Systems.
The other sources are News Papers, The Web address of Southeast Bank Limited
(www.sebankbd.com ) the internal & external web address.
S:J
EASl~;
WEST
,I .
_11
imitations of the Study

my internship program in Southeast Bank limited & I worked in the Gulshan Branch
y report is fully based on the performance evaluation of Gulshan Branch only. But to
: :--a re this report I face little difficulties through I also get some limitation which are:
Sufficient records & publications as well as up to date information are not readily
available.
Many more information could
not gather for the resources of maintaining
confidentiality.
During my internship period J did not have that much time to visit other branches to
collect more data & take interview to the officers & executives of the bank because they
are very much busy with their day to day activities.
Time duration of my internship period is not sufficient enough to prepare my report the
best one but where I tried my best to make it the effective report.
Another limitation of this report is that the Bank's policy of not to disclose some data &
information for obvious reason, which could be much more useful.
spite of these limitations sincere efforts have been made to fulfill the findings & objectives of
-- is report an effective one.
1.7 Scope of the Study

The report commences with the outline of the organization in focus, presenting the mission and
vision, individual department job responsibilities, products and services offered by the bank and
related issues are discussed in detail along with the performance evaluation of the bank with
help of various performance evaluative indicator. In this report performance of Southeast bank
Limited have been evaluated in details with the help of last five years financial data and finally
the performance of Gulshan Branch has been compared with the overall bank's performance.
Sl
EAST~'
WEST"~
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--.
)ort Review
study deals with the performance evaluation of Southeast Bank Limited,
_ ....=-
ding the products and services offered by Southeast Bank Limited is of great
,_.......=- -oe . Considering this the first part of this report is entirely devoted to the description of
::: and services offered by Southeast Bank Limited. The product features, benefits,
_
e.nts all have been discussed one after another.
....r ....
_ -.
d part of this study deals with the performance evaluation of the bank with the help
::.:J
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-
........-3
__::U-Jj_~
fi nancial indicators. The next part of this study deals with the comparison of the
ce of Gulshan Branch with the global performance of the bank. Afterwards ultimate
Nere expressed. The report concludes with some conclusion regarding the global
-~-a
ce of the bank and the contribution of Gulshan Branch in the global performance.
CHAPTER TWO (Part- I):
Organizational Profile of SEBL
heast Bank Limited,..; The Banking Heritage

_.r!I~-:::"
3ank Limited is a seconQ-generation bank that was established in 1995 with a dream
o become a pioneer banking institution of the country and contribute significantly
::-=-=-....Tn
.lIlt.:1t:liiJ:
of the national economy. The Bank's journey began when it was incorporated as
~ i t ed
Company on March 12, 1995. The Registrar of Joint Stock Companies and Firms
- e Certificate of Commencement of Business of the Bank on the same date. The

'-d"">.:L="'-:
Bank received its Banking License from the Bangladesh Bank on March 23, 1995. The
---",- :m branch was opened by Late M. Saifur Rahman, the then Honorable Finance Minister
~ _ ,'rnment
-2
of the People's Republic of Bangladesh as the Chief Guest at the commercial
country at 1, Dilkusha Commercial Area, Dhaka on May 25, 1995.
=: ous journey since, Southeast Bank has succeeded in realizing the dreams of those
:....-.:aDlished it. Today it is one of the country's leading banks in the private sector
g significantly to the national economy. The Authorized Capital of the Bank today is
million. Its Paid-Up-Capital and Reserve reached Tk. 17,095.90 million as on
:-e-~
31, 2010. The Bank had 1613 Staff of whom 126 were Executives, 1247 were Officers
:-: "ere other staff as on December 31, 2010.

- -..:.: east Bank was established by leading business personalities and eminent
-c-,a:sts of the country with stakes in various segments of the national economy. They
"'led the Bank with a vision to bring efficient and professional banking service to the
:Eo::)
e and the business community of Bangladesh to help the national economy grow. The
- _ bent Chairman of the Bank is Mr. Alamgir Kabir, FCA, a professional Chartered
-
... '1 tant. The Bank's Managing Director is Mr. Mahbubul Alam, an eminent banker of the
- _-:;y with 43 years experience in both nationalized and local private sector banks to his
::: it.
The Bank's operations are built upon unequivocal emphasis on effective corporate governance.
The objective is to create, promote and build long-term company value. The Bank's first and the
highest priority is to provide effective services and maximum satisfaction to the customers. The
II'"
harmony and co-operation is widely practiced in the Bank. We take pride in the fact
:- : e public and private face of the Bank is one and identical. We believe that transparency
=_
sion-making, monitoring mechanism and full disclosure to shareholders and regulatory
--
ities are essential aspects of Bank's corporate governance and that they create an
_= se pressure to rationalize Bank's services and search for new competitive advantages. We
_ r
ceaselessly within these parameters.
- :eam of efficient professionals manages the Bank. They create and generate an environment
=~
ust and discipline that encourages everybody in the Bank to work together for achieving
-~
objectives of the Bank. The culture of maintaining congenial work-environment in the Bank
-~
further enabled the staff to benchmark themselves better against management
ectations. A commitment to quality and excellence in service is the hallmark of their
: ntity.
: utheast Bank has become a synonym of quality banking services and products. It has a
: ' erse array of products and services tailored carefully to cater to the needs of all segments of
_ stomers. Our operational strategies are structured to address the special and often complex
~ eeds
of the customers. In the growth graph, the Bank has generated profit of Tk. 2,763.14
il lion after provision and income tax in the year 2010. The curve keeps soaring upward
everyday making it one of the leading and most successful banking institutions in Bangladesh
wi th a total asset base of Tk. 131,943.48 million as on December 31,2010.
_ Strategic Task Analysis

.2.1 Core Values
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Respect
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Harmony
Insight and Spirit
2.1.2.2 Core Strength

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Satisfied Customers
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& comPliance
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2.1.2.3 Core Competencies
1
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Transp'arency
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Reliability
Pursuit of Determined Growth Strategy
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1
Petformance Appraisal of Southeast Bank Limited -A Comparative Study on Gulshan Branch
_ .1.2.4 Vision
Vission
2.1.2.5 Missions
1
4
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:.' '":
Innovative banking at acompetitive price
'
Attract and retain quality human resource
2.1.2.6 Commitment to clients
Ensure safety & security of customers' valuables in
[
2.1.2.7 Ethical Principles
CJ
1
EASI~_l~ .
WEST
_
east bank believes that its efforts to become a leading bank in the private sector can only
.:e
achieved and
sustained
by creating effective corporate governance,
inculcating
: ":>fessionalism among its staff and strictly adhering to rules and regulations. We believe that
aims and objectives can only be realized fully and sustained over time by adherence to
_. ics that cannot always be built into sets of rules and regulations. This belief in ethics
-otivates the bank in its dealings with those with whom it interacts.
A. We adhere to the following principles in dealing with Customers
1. Strictly follow ethical banking practices.

2. Provide fair treatment to all customers, depositors, and borrowers, without
any discrimination.
3. Provide speedy customer service at a very competitive cost.
4. Deal with customers in a transparent manner and without any hidden cost.
5. Maintain strict secrecy of customer account.
6. Provide free nancial advice to clients.
7. Deal quickly with complaints received from the customers. We endeavour
continuously to build trust and understanding with customers.
8. We give very competitive return to the depositors on their investment.
9. We listen to our customers and work for improvement of customer service as
per their suggestions.
10. We never desert our customers in adversity.
11. We always keep promises we make.
B. We follow the following principles in dealing with Shareholders
1
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EASI., ,
1. Adequate disclosure of corporate information and operational results to help

them take suitable investment decisions / options.
2. Stable Dividend Policy and payment of good dividend.

3. Dialogue with them and implementations of their suggestions for improvement
4. Equal treatment to all shareholders irrespective of their individual size of
shareholding.
C. We follow the following principles in dealing with our Regulators
1. We are transparent in operations and governance.

2. We have a culture of timely compliance of regulatory requirements.
3. We give their suggestions and directives great value that we implement for
improvement of our corporate governance standard.
D. We follow the following principles for our Employees
Sl
1
8
1. We do not discriminate on grounds of religion, sex or race at any stage. We

recruit the best on the basis
of merit under a rigorous recruitment policy without any bias ness or
favoritism to anybody.
2. We pay competitive compensation package with career echelon for the
really deserving candidates.
3. We care for our employees and respect them
4. We have clearly dened duties and responsibilities for every employee. No
one is made a scapegoat
for undened responsibilities.
S. We have a zero tolerance for any act of dishonesty.
6. We provide a congenial work environment.

7. We encourage freedom to our employees to give opinion for both
qualitative and quantitative
improvement of the Bank.
8. We take care of their health and safety.
E. We follow the following principles in respect of Society
1
9
EASI ,.,,_' ,
WEST
'?t'
IIIIIIII1
1. We believe that the Bank gets business sustenance from the community in
which it operates and
therefore must remain responsive to the community and the society in
reciprocity.
2. We do not encourage projects which are not environment-friendly for
nancing by the Bank.
3. We provide material support for protection of environment.
4. We give aid to the poor, helpless and natural-calamity-hit people.
5. We support charitable ventures.
6. We give sponsorships to sports, culture, education, health-care and
community development ventures.
7. We support the women as a community and contribute to women
empowerment.
8. We are keen to move fast for green banking to protect environment.
EASJ~;
.
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_1
WEST
CHAPTER TWO (Part- II):
Activities of Southeast Bank

imited
Sl
2
A.ctivities of Southeast Bank Limited

- _- east Bank Limited serves its customers at home with 76 branches spread over the country
otal manpower of 1613. The Bank has expanded its services over the years, which covers
' :-E
diversified areas of trade, commerce & industry. They have always tried to provide
: = e. ent products and services to the customers through their wide and ever growing domestic
-le.Nork. Major types of financing are-
Working Capital Finance
Short Term Financing
Mid Term Financing
Project Finance
Lease and Long Term Loans
Structured Finance
[] Islamic Finance
Cl Liquidity Management
Payment Service
Southeast Bank Limited has already introduced some new Banking products like duel currency Credit
cards, ATM and Online services which has created attraction among the clients. The Bank has also
. traduced real time Internet, SMS and Phone Banking systems with all modern delivery channels at an
early date.
2
2
_.2.2 Corporate Banking

:
theast Bank is a major player in Bangladesh wholesale banking industry to offer the full
s.:.ope of innovative, customized solutions and services. It offers services at the highest level.
:::8L
focuses not only on short-term profit, but also on building long-term relationships and
:-.:an ding by our clients whenever they need. It has a unique business focus on enabling project
- ancing, trade, investment and supply chain financing for clients. It aims to be a one-stop
gateway for corporate and financial institutions looking to extend their business. And it is
::ommitted to using it's country wide network to facilitate it's clients' growing trade and
. vestment flows and supply chain financing needs across our business footprint. SEBl focuses
exclusively on corporate and institutional clients domiciled or conducting business in its
'ootprint, offering clients access to our extensive branch network and award-winning suite of
state of the art services. Southeast Bank fully understands the importance of time, convenience
and efficiency to the success of your business. It makes easy the complex financial world for
clients and help maximizing every opportunity.
Working capital
Trade finance
Short/mid-term finance
Project finance
Islamic finance
Structured finance
Cash management
Investment banking
Sl
2
_.2.3 Retail Banking

:)l1 e of the most remarkable success stories of last 50 years' banking industry globally has been
. e conceptualization and innovative execution of banking with individual customers, their
iends & families. The industry has termed it as Retail Banking or Personal Banking or
onsumer Banking; and it has now - at a very rapid pace - become the major revenue line for
ost of the top banks in the world. Southeast Bank Limited also offers a wide range og retail
banking services and that includes from savings account, locker services and many others.
2.2.4 Conventional Banking

As a part of the conventional banking process, Southeast Bank Limited with its 76 branches and
1613 staffs provides a wide range of commercial banking services for both corporate and retail
customers. Some of the products of conventional banking are listed below:
2.2.4.1 Savings Bank (SB) Account- Save Money & Built A

Better Tomorrow
Savings Bank (SB) Account is designed for savers who want to save a small part of their income
to be used in the near future and also intend to have some income on such savings. They can
deposit a small amount and can withdraw whenever they desire but the total numbers of
withdrawals over a period of time are limited.
S:J
2
4
res & Benefits:
Bank pays attractive interest.

Personalized MICR Cheque Book is available.
Nominal service charge.
Any branch banking facility (Cash withdrawal and deposit from any branch).
Bank accepts and supports Standing Instructions.
Nomination facility is available to nominate beneficiary for account proceeds.
Interest is payable on half yearly basis.
Charge free statement of AIC, Balance Confirmation Certificate twice in a year on
half yearly basis.
Option is available to collect e - Statement on monthly basis
. ility:
Resident Bangladeshi National

Age: 18 years or above.
Joint account can be opened.
Minor account can be opened under the supervision of his I her I their guardian
2
equirements:
Applicants must satisfy the following documentation requirements for

Personal Banking:
Photocopy of Citizenship Certificate / Passport / Voter 1.0. Card / National 1.0.
Card / Driving license;
Two copies of recent passport size photograph duly attested by the introducer.
The account requires an introduction by an existing and satisfactory account
holder of Southeast Bank Limited.
Certified document(s) for source of income.
Tax Certificate.
Proof of communication address: Photocopy of an Electricity Bill / Gas Bill /
Wasa Bill / Telephone Bill.
Initial deposit of Tk 5,000/- for urban clients and Tk 1,000/- for rural clients.
Nominee form and photograph of nominee(s) (signature attested by the
account holder).
In case of minor nominee, copy of the birth certificate and photograph
required;Personallnformation Form.
Transaction Profile.
Fees & Charges:
Rate of Interest: 5.50%

Cheque Book Issuance fee (10 leafs per book) : Taka GO/Standing Instruction charge TK 100 for compliance of each Instruction
Account Closing Charge Taka 250/-.
Vat applicable for all fees & charges @15%.
Online Transactions - free of service charge
C)
Performance Appraisal ofSoutheast Bank Limited -A Comparative Study on Gulshan Branch
2
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_.2.4.2 Current Deposit (CD) Account- Your Wallet at the bank

eatures & Benefits:
Unlimited transactions are allowed.

No withdrawal notification required.
Any branch banking facility (Cash withdrawal and deposit from any branch)
Charge free statement of AIC, Balance Confirmation Certificate twice in a year on
half yearly basis.
Eligibility:
CD Account can be opened both for Individual and Corporate bodies.

CD Account can be opened both for resident and non - resident Bangladeshi
Nationals.
Age bar for Personal CD Account: 18 years or above.
Minor account can be opened under the supervision of his I her I their guardian.
Account can be opened in the name of Trust / Club / Association / Societies / Non Trading Concerns
2
7
Requirements:
Applicants must satisfy the following documentation requirements:
Personal Banking For resident of Bangladesh:

Card / Driving License.
Certified document(s) for source of income.
Tax Certificate.
Non - resident of Bangladesh:
Photocopy of passport with valid visa and work permit attested by their
respective Embassy / Mission authority.
Two copies of passport size photograph duly attested by their respective
Embassy / Mission authority.
Tax Certificate issued by foreign country.
Form QA-22Proof of communication address: Photocopy of an Electricity Bill /
Gas Bill / Wasa Bill / Telephone Bill.
The account requires an introduction by an existing and satisfactory account
holder of Southeast Bank Limited .
Nominee form and photograph of nominee(s) (signature attested by the account
holder).
In case of minor nominee, copy of the birth certificate and photograph required;
Personal Information Form.
KYC Form .
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2
Corporate Banking
Sole Proprietorship Concern:
Copy of valid Trade License;

Permission of Board of Investment required for FC (Foreign Currency)
Account;
Declaration for opening foreign currency account duly filled in and signed;
Recent passport size photograph(s) of signatory attested by the introducer.
(Photographs of the signatory of non - residents of Bangladesh shall be
attested by the their respective Embassy / Mission authority);
Photocopy of Citizenship Certificate / Passport / Voter J.D. Card / National J.D.
Card / Driving License. (Photocopy of valid Passport of the signatory of nonresidents of Bangladesh shall be attested by the their respective Embassy /
Mission authority);
Sole Proprietorship Declaration;lnitial deposit of Tk 5,000/- for urban clients
and Tk 1,000/- for rural clients.
Official Seal;Tax Certificate;
Transaction Profile;
KYC Form
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2
Corporate Banking
Partnership Concern:
Copy of Partnership Deed of the Firm (Registered / At least notarized);
Firm Registration Certificate (if registered);
list of Partners with their addresses;
Permission of Board of Investment required for FC (Foreign Currency) Account;
Recent passport size photograph(s) of signatory / signatories attested by the
introducer. (Photograph(s) of the signatory I signatories of non - residents of
Bangladesh shall be attested by the their respective Embassy / Mission authority);
Photocopy of Citizenship Certificate / Passport / Voter 1.0. Card / National 1.0. Card
Driving License. (Photocopv of valid Passport of the signatory of non - residents of
Resolution of the partners of the firm for opening the account and authorization for
its operation duly certified by managing partner of the firm;
Official Seal;
Tax Certificate;
KYC Form
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3
Corporate Banking
Private Limited Company:

Certified true copy of Certificate of incorporation;
Certified true copy of the Memorandum & Articles of Association of the
Company duly attached;
Certified true copy of certificate of commencement;
Certified true copy of Form XII of the company;
Account;
Extract of the Resolution of the Board Meeting of the Company for opening
the account and authorization of its operation duly certified by the Chairman
/ Managing Director of the Company;
Recent passport size photograph{s) of signatory / signatories attested by the
introducer. (Photograph(s) of the signatory I signatories of non - residents of
Bangladesh shall be attested by the their respective Embassy / Mission
authority);
Photocopy of Citizenship Certificate I Passport I Voter 1.0. Card I National 1.0.
Mission authority);
List of Directors with addresses;
Official Seal with designation;
Initial deposit of Tk 5,000/- for urban clients and Tk 1,000/- for rural
clients.Tax Certificate; Personal Information Form.
KYC Form
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Corporate Banking
Certified true copy of certificate of commencement;
Account;
introducer. (Photograph(s) of the signatory / signatories of non residents of
Bangladesh shall be attested by the their respective Embassy I Mission
authority);
Photocopy of Citizenship Certificate / Passport / Voter I.D. Card / Nationall.D.
Card / Driving License. (Photocopy of valid Passport of the signatory of non
residents of Bangladesh shall be attested by the their respective Embassy /
Mission authority);
list of Directors with addresses;
Copy of valid Trade license;
Initial deposit of Tk 5,000/ for urban clients and Tk 1,000/ for rural clients.
Tax Certificate;
KYC Form
3
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Corporate Banking
Public Limited Company:

Account;
introducer. (Photograph(s) of the signatory / signatories of non - residents of
authority);
Card / Driving license. (Photocopy of valid Passport of the signatory of non residents of Bangladesh shall be attested by the their respective Embassy /
Mission authority);
list of Directors with addresses;
Copy of valid Trade license;
clients.Tax Certificate;
KYC Form;
Sl
3
3
Corporate Banking
Trusts / Clubs / Associations / Societies / Co - operatives / NGO /
Non - trading Concerns:
Certified true copy of the constitution / By - Laws / Trust Deed /
Memorandum and Articles of Association;
Certificate of Registration of the Association / Club / Charity / Trust / Society
/ Co-operative / NGO / Non - trading concern for inspection and return
(along with a duly certified photocopy for Bank's records);
List of members of the Governing Body I Executive Committee of the
Association / Club / Charity / Trust / Society / Co-operative / NGO / Non trading concern with their addresses;
Extract of Resolution of the Association / Club / Charity I Trust I Society I Co operative / NGO / Non-trading concern for opening the account and
authorization of its operation duly certified by the Chairman / Secretary of
the Association / Club / Charity / Trust / Society / Co - operative / NGO / Non
- trading concern etc.
Recent passport size photograph(s} of signatory / Signatories attested by the
introducer. (Photograph(s) of the signatory / Signatories of non - residents of
authority};
Photocopy of Citizenship Certificate I Passport I Voter 1.0. Card I National 1.0.
Card / Driving License. (Photocopy of valid Passport of the signatory of non residents of Bangladesh shall be attested by the their respective Embassy /
Mission authority);
Official Seal mentioning designation Personal Information Form.
KYC Form
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4
Fees & Charges:
Rate of Interest: 0.00%

Cheque Book Issuance fee
Taka 150/- for cheque book of 20 leafs
Taka 300/- for cheque book of 50 leafs
Standing Instruction charge TK 100 for compliance of each InstructionAccount
Closing Charge Taka 350/-.
VAT applicable for all fees & charges @15%.
Half Yearly Service ChargeTaka 1,000/- on each account of urban branches.
Taka 500/- on each account of rural branches.
Online Transactions - free of service charge
3
5
~~
2.2.4.3 Special Notice Deposit (SND) Account- A savings
account to give steady returns
Features & Benefits:
Bank pays attractive interest.
Any branch banking facility (Cash withdrawal and deposit from any branch)
Interest is payable on half yearly basis.
Charge free statement of A/C,
Balance Confirmation Certificate twice in a year on half yearly / yearly basis.
S3
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Performance Appraisal a/Southeast Bank Limited -A Comparative Study on Gulshan Branch
Eligibility:
SND Account can be opened both for Individual and Corporate bodies.
SND Account can be opened both for resident and non - resident Bangladeshi
Nationals.
Age bar for Personal SND Account: 18 years or above.
Minor account can be opened under the supervision of his / her / their guardian.
Account can be opened in the name of Trust / Club / Association / Societies / Non
- Trading Concerns
Requirements:
Applicant must satisfy the following documentation criteria:
Certified document(s} for source of income.
Tax Certificate. Proof of communication address: Photocopy of an Electricity Bill /
Gas Bill / Wasa Bill /Telephone Bill.
The account requires to be introduced by an existing and satisfactory account
holder of Southeast Bank Limited.
clients.Nominee form and photograph of nominee(s) (signature attested by the
account holder).
In case of minor nominee, copy of the birth certificate and photograph required;
KYC Form
3
Corporate Banking
Sole Proprietorship Concern
Declaration for opening foreign currency account duly filled in and signed;
Recent passport size photograph(s) of signatory attested by the introducer.
Sole Proprietorship Deciaration;lnitial deposit of Tk 5,000/- for urban clients and
Tk 1,000/- for rural clients.
Official Seal;
Tax Certificate;
KYC Form
Corporate Banking
Partnership Concern
Copy of Partnership Deed of the Firm (Registered / At least notarized);
Firm Registration Certificate (if registered);
List of Partners with their addresses;
introducer. (Photograph(s) ofthe Signatory / signatories of non - residents of
Photocopy of Citizenship Certificate / Passport / Voter I.D. Card / Nationall.D. Card /
Driving License. (Photocopy of valid Passport of the signatory of non - residents of
Resolution of the partners of the firm for opening the account and authorization for its
operation duly certified by managing partner of the firm;
Initial deposit of Tk 5,000/- for urban clients and Tk 1,000/- for rural clients.Official
Seal;
Tax Certificate;
Personal Information Form, ransaction Profile & KYC Form
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Petformance Appraisal of Southeast Bank Limited A Comparative Study on Gulshan Branch
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8
Corporate Banking

Certified true copy of Certificate of Incorporation;
Certified true copy of Certificate of Commencement;Certified true copy of
Form XII of the company;
authority);
Card / Driving license. (Photocopy of valid Passport of the signatory of nonresidents of Bangladesh shall be attested by the their respective Embassy /
Mission authority);
List of Directors with addresses;
Tax Certificate;
KYC Form
3
9
Corporate Banking
Public Limited Company:

Certified true copy of Certificate of Incorporation;
Certified true copy of Form XII of the company;Extract of the Resolution of
the Board Meeting of the Company for opening the account and
authorization of its operation duly certified by the Chairman / Managing
Director of the Company;
authority);
Card / Driving license. (Photocopy of valid Passport of the signatory of non residents of Bangladesh shall be attested by the their respective Embassy /
Mission authority);
List of Directors with addresses;Copy of valid Trade License;Official Seal with
designation;
Tax Certificate;
KYC Form
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Corporate Banking
Trusts I Clubs I Associations I Societies I Co - operatives I NGO I
Non - trading Concerns:
Certified true copy of the constitution / By - Laws / Trust Deed /
Memorandum and Articles of Association;
Certificate of Registration of the Association / Club / Charity / Trust / Society
/ Co - operative / NGO / Non - trading concern for inspection and return
(along with a duly certified photocopy for Bank's records);
List of members of the Governing Body / Executive Committee of the
Association / Club / Charity / Trust / Society / Co-operative / NGO / Non trading concern with their addresses;
Extract of Resolution of the Association / Club / Charity / Trust / Society / Co operative / NGO / Non - trading concern for opening the account and
authorization of its operation duly certified by the Chairman / Secretary of
the Association / Club / Charity / Trust / Society / Co-operative / NGO / Non trading concern etc.
authority);
Mission authority);
Official Seal mentioning designation Initial deposit of Tk 5,000/- for urban
clients and Tk 1,000/- for rural clients.
KYC Form
4
1
Fees & Charges:

Special Notice Deposit (SND) Account
Banks and NBFls : 4.50%
I
I
Customers
Below Tk. 1.00
Crore
Tk. 1.00 Crore &

above but below
Tk. 25.00 Crore
Tk. 25.00 Crore

Tk. 50.00 Crore
Tk. 100.00 Crore
& above
& above but
& above but
below Tk. 50.00
below Tk. 100.00
Crore
Crare
5.00%
5.25%
9.00%
5.25%
5.50%
Mother Account (lPO): Will be fixed upon approval from Head Office on case to case basis.
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Peiformance Appraisal o/Southeast Bank LimitedA Comparative Study on Gulshan Branch
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2.2.4.4 Fixed Deposit Receipt (FDR) Account- An umbrella for

uncertain future
Money can grow with attractive interest rate with flexible tenure.
Automatic renewal facility at maturity.
Loan facility against FOR Account to meet urgent financial needs.
The customer may avail loan facilities against FOR Account as security.
Premature closure facility at savings rate
Eligibility:
FOR Account can be opened both for Individual and Corporate bodies.
Only Resident Bangladeshi National is allowed to open Personal FOR Account.

Age bar for opening of Personal FOR Account: 18 years or above.
Joint account can be opened.Minor account can be opened under the supervision
of his / her / their guardian.
FOR Account can be issued for senior citizen with attractive rate
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Petformance Appraisal of Southeast Bank Limited -A Comparative Study on Gulshan Branch
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3
Fees & Charges:
Fixed Deposit Receipt

(FOR) Account
1 (one) month
2 (two) months
3 (three) months
6 (six) months
1 (one) year
For both Individual and Corporate

For Any Amount
12.50%
12.75%
13.50%
13.50%
13.50%
For Senior Citizen Scheme: 13.50% (For Any Amount)
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2.2.4.5 Millionaire Deposit Scheme (MDS) Account- Be A

Ylillioniare
illionaire Deposit Scheme (MDS) Account is a time specified monthly deposit scheme for
cl ients where the deposited money will become millions on maturity.
--------
--
---------~
Tenor: 4,5,6,7,8,9 and 10 years term;

Deposit on monthly installment basis;
Attractive rate of interest;
Account can be opened at any working day of the month;
Monthly installment can be deposited through a standing debit instruction from
the designated CD/SB Account;
Monthly installment can be deposited in advance;
An account can be transferred from one branch to another branch of the bank;
Credit facility for maximum of 2 years can be availed at any time during the
period of the scheme;
Allowed to open more than one MDS Account for different amount at any branch
of the Bank;
Eligibility:
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MDS Account can be opened both for Individual and Corporate bodies.
Only Resident Bangladeshi National is allowed to open Personal MDS Account.
Age bar for opening of Personal MDS Account: 18 years or above.
Minor account can be opened under the supervision of his / her / their guardian
Fees & Charges:
Account transfer fee is Taka 500/-;

Account closure fee is Taka 500/-;
Penalty of Taka 200/- for failure to pay monthly installment within the stipulated
time;
VAT applicable for all fees & charges @15%
Petformance Appraisal o/Southeast Bank Limited -A Comparative Study on Gulshan Branch
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6
2.2.4.6 Double Benefit Scheme (DBS) Account- Buy One and

Get Two
Amount to be deposited TK 10,000 or its multiple;

Deposited amount will be doubled in 6 years;
Account can be opened at any working day of the month;
Allowed to open more than one DBS Account at any branch of the Bank;
Loan facility against lien of DBS Account;
The Scheme is covered by Insurance and Insurance Premium is borne by the bank;
Premature closure facility
Eligibility:
11
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DBS Account can be opened both for Individual and Corporate bodies.
Only Resident Bangladeshi National is allowed to open Personal DBS Account.
Age bar for opening of Personal DBS Account: 18 years or above.
Joint account can be opened .
Minor account can be opened under the supervision of his / her / their guardian
2.2.5 Other banking Services of SEBL

2.2.5.1 SME Banking- Step to build the nation
Bank provides credit facilities to the small and medium entrepreneurs to be
more productive and stable.
Purpose
Working capital.
Fixed assets.
Delivery Van / Transport for business purpose.
Renovation of shop / office / business premises.
Mode of Finance
Overdraft.
Hire Purchase .
Term Loan.
Lease Finance.
Period of Loan
Continuous Loan: 01 (one) year.
Term Loan: Maximum 05 (five) years.
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8
Loan Ceiling
For small enterprise: Taka 2.00 lac to Taka 30.00 lac

For medium enterprise: Taka 2.00 lac to Taka 50.00 la
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9
Eligibility:
The entrepreneur should be skilled in managing his / her business and has
experience of successfully managing the business for at least 2 (two) years.
The literate entrepreneur is given preference.
The age of the entrepreneur must be within the range of 20 to 50.
The entrepreneur must be socially acceptable.
A clear succession plan for the entrepreneur must be present.
If the entrepreneur is an individual, he / she must be a national or permanent
resident of Bangladesh. If the entrepreneur is a company / firm or other
business entity, it must be registered in Bangladesh with majority shares
owned by Bangladeshi and valid licenses for the business.
The entrepreneur's principal place of business must be in Bangladesh.
If the entrepreneur is a member of any social organization / association, he /
she should arrange a corporate guarantee of the association / organization
through formal regulation (if any).
The business must be legally valid, i.e., have trade license, income tax or VAT
registration certificate (wherever applicable).
The business must have a defined market with clear growth potentials.
Proper utilization and timely repayment of previous loan{s) will be considered
as proven track record of the applicant for renewal & enhancement of credit
facility.
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2.2.5.2 Dual Currency VISA Credit Card

ures and Benefits
ply now & enjoy the spectacular facilities of Southeast Bank Visa Credit Card
Single Card-Dual Use (Local & International):
=SEBL Visa (Dual) Credit Card has unique feature of allowing limits both for local and international
usage in a single card. However, one may opt for separate cards if he / she finds the same convenient
for him / her. SEBl Visa (Dual) Credit Card is accepted at any merchant locations or payment counters
displaying Visa logo in any part of the world.
Widely Accepted at Merchants & ATMs Worldwide
Competitive Annual/Renewal Fee
20 - 50 Days Interest Free Credit Facility:

::JSEBl Visa Credit Card allows free credit facility on purchase up to minimum 20 days and maximum 50
days without any interest if there is no outstanding amount on the card account in the previous
month's bill.
50% cash Drawing Facility at AlMs and any Southeast Bank Branch:
::JSEBL Credit Cardholder can draw cash up to 50% of the credit limit against his / her card. Cash may be
drawn from all ATMs or payment counters having Visa logo. Cash withdrawal facility is also available
from any of our branches across the country. No interest free grace period is available for any cash
advance.
+ 100% Cash Drawing Facility at purchase mode through card Cheque:

::JCardholders can issue Account Payee Card Cheque against local limit. Transaction mode of Card
Cheque will be treated as Purchase.
+ Easy Repayment:
::lCardholder has also the option of paying a minimum of 5% of his / her bill amount every month and
thus can enjoy the flexibility to plan repayment in installment basis.
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I\uto Payment facility:

:rf a cardholder maintains an account with any of the SEBl branches, he / she can instruct us to realize
the monthly bill against his / her credit card from his / her SB/CD/STD account automatically.
Payment of International Roaming Bill of Mobile Phone:

:J Cardholder can pay his / her international roaming bill of cell phone through Credit Card.
Auto Debit Facility of Mobile Phone Post Paid Subscribers
Free Supplementary Cards:

:J Supplementary cards are issued against a Principal Card. While each supplementary cardholder will
have his / her own independent usage within the principal card - holder's credit limit, the expenses will
be charged to the principal card - holder's account. Separate limit but not exceeding the principal may
be fixed for each supplementary card.
SMS Push - Pull Service:

:J Cardholder can enquire about his I her credit card status through his / her cell phone.
Push services:
1. Transaction alert
2. Bill status
Pull services:
1. Balance enquiry
2. Statement status
3. Minimum due status
4. Last transaction enquiry
24 hours Customer Service.
, Rate of Interest
Any amount that remains outstanding after the payment due date will attract an interest @ 2.50% per
month calculated on daily basis from the date of transaction until the entire amount is paid in full.
In case of cash advance, the interest @ 2.50% per month will be charged and calculated on daily basis
from the date of transaction until cash advance is paid in full.
S:l
Performance Appraisal a/Southeast Bank Limited -A Comparative Study on Gulshan Branch
5
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Fees & Charges

Southeast Bank VISA Credit Cards
01. Principal Card Annual
02.
04.
Classic Card
I Renewal Fee:
Local
Tk.
1200.00
600.00
International/Dual
USD.
60.00
30.00
Tk.
Free
Free
Local
Tk.
300.00
300.00
International/Dual
USD.
10.00
10.00
Local
Tk.
350.00
200.00
International/Dual
USD.
10.00
10.00
Local
TIc
350.00
250.00
International/Dual
USD.
10.00
10.00
Local
Tk.
50.00
50.00
International/Dual
USD.
5.00
5.00
Local
Tk.
250.00
200.00
International/Dual
USD.
10.00
10.00
Tk .
100.00
100.00
USD.
15.00
15.00
Tk.
500.00
500.00
USD.
10.00
10.00
Local
Tk.
Nil
Nil
International/ Dual
USD.
Nil
Nil
Local
Tk.
2% of advance fee or Tk. 100 which is

higher
International/Dual
USD.
2% of advance fee or $ 3 which is higher
Supplementary Card Annual Fee I Renewal Fee:

Local
03.
Gold Card
Replacement Card Fee .:
Late Payment Fee:
05. Return Cheque Fee:
06.
Statement Retrieval Fee:
07. Charge Slip Retrieval Fee:
OS.
Outstation Cheque Collection Fee :

Local
International
09.
I Dual
Personal Identification Number (PIN) Re - issuance Fee:

Local
International
10.
11.
I Dual
Excess Limit Charge:
Cash Withdrawal Fee:
12. Cheque Honor Fee:
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3
Local
Tk.
1% of the drawn amount
International/Dual
USD.
N/A
N/A
: 3. Cheque Book Issue Fee:

Tk. 15 per leaf
2.2.5.3 Remittance Business

,. . -r over six million expatriates are a source of pride for Bangladesh: They represent us abroad by building
_ image. They also spread the richness of our cultures across the globe. In that sense, they are the
--,bassadors of goodwill for Bangladesh. Their contribution is equally important, if not more, in the
ntribution they make to the economy of the country. The foreign exchange they send home is the second
argest source of much needed foreign exchange for our economic development. In fact if we adjust import
:::>sts against export of the garments sector that overtly brings more foreign exchange to the national
:-conomy, remittance will figure as the single largest source of foreign exchange for Bangladesh. Nationalized
:'1d private banks are the principal agents for bringing remittance to the country .
though Southeast Bank has entered into remittance late compared to the other private banks, it has
: ontinuously strived to build its remittance business around quality service by making it easy for remitters to
' emit money through a network of agreements with reputed banks and remittance houses abroad and an
:xtensive network in the country to deliver the money to the beneficiaries at their door in the quickest
Jossible time and without hassles.
We deliverer money to the beneficiaries without service charges. We assure confidentiality in transactions.
Additional features of our one - stop remittance delivery service are:
Use of mobile and SMS to contact the beneficiary.
Home delivery of remittance business where necessary and possible.
Initiate Remittance Card Service for use in ATM booths .
.. Register data for later use for instant cash payment over the counters.
On line account credit to those who have accounts with branches of Southeast Bank.
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5
Account credit services using on line facilities of other banks.

EFF/n services.
Mail transfer (MT) .
. Assist in opening Wage Earner Accounts.
Assist in opening accounts under different types of savings schemes.
Provide anti money laundering advice.
Global Partners
Western Union Money Transfer Services (www.westernunion.com)
UK (United Kingdom) based Money Transfer Companies:

:lAN Express Limited
:JRumana Money Services UK
:lK.F. Money Transfer UK (www.kfenterprises.co.uk)
:lK.M.B Money Transfer UK
:lEastern Money Transfer UK Limited (www.easterngroup.co.uk)
::JKhan Money Transfer UK
:JBangladesh Money Transfer UK Limited
:JFirst Solution Money Transfer UK Limited (www.first-solution.co.uk)
UAE (United Arab Emirates) based Money Transfer Companies:

:lAI Ahalia Money Exchange Bureau (www.ahaliaexchange.com)
:J AI
Fardan Exchange
:JWall Street Exchange Centre LLC (www.wallstreet.ae)

:lXpress Money Services Limited (www.uaeexchange.com)
:lAI Ansari Exchange (www.alansariuae.com)
:lHabib Exchange CO.llC (www.habibexchange.com)
1:1
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5
JLuiu Exchange Co.llC (www.luluexchange.com)

JSmart Exchange (www.smartexchanze.com)
Sultanate of Oman based Money Transfer Companies:
JOman & UAE Exchange Center & Company (www.uaeexchange.co.injbranchesoman.htm)
JAsia Express Exchange (www.eseylan.comjAsia_Express_Exchange.php)
Bahrain based Money Transfer Company:
JBexMoney Bahrain Exchange Company (www.bexmoney.com)
USA (United States of America) based Money Transfer Companies:
JNeno Money Transfer
::JWall Street Finance lLC
:lTrans - Fast Remittance LLC (www.transfast.com)
:JRoyal Exchange (www.royalexus.com)
:JContinental Exchange Solution (Ria Financial Services). (Though incorporated in the USA, Ria is a
global player as we receive Remittances through RIA from USA, Canada, UAE, UK, France, Italy,
Sweden, Cyprus, Australia and other major destinations). (www.riafinancial.com)
* Canada based Money Transfer Company:
::l Megna Exchange
K.S.A (Kingdom of Saudi Arabia) based Banking Partners:
::lAI Rajhi Banking Corporation (www.alrajhibank.com.sa)
::lNational Commercial Bank (www.alahILcom)
:JBank AI Bilad (www.banklalbilad.com.sa)
Italy based Money Transfer Company:
::l National Exchange sri (www.nationalexchange.it)
Sl
5
6
2.2.5.4 Western Union

- -:tern Union, a global leader in money transfer service, helps to send money to loved ones quickly and
:ably with convenience and control through more than 245,000 Western Union Agent locations in over 200
. ntries and territories. Western Union money transfer service is ideal for transferring money virtually at
, time, anywhere, providing a high level of security, flexibility and reach with the fastest, easiest money
:'1sfer solutions.
:h the signing of the Representation Agreement between Western Union Financial Services, Inc., U.S.A .
. d Southeast Bank Ltd ., Bangladeshi Wage Earners abroad can now send their hard - earned money through
estern Union and their families and friends can receive the money in minutes by visiting any of the 56
.ranches and 10 SME locations of Southeast Bank ltd. all over Bangladesh. The Beneficiary does not have to
;ay any fee to receive the money transfer.

',Ith Western Union and Southeast Bank Ltd., money transfer has never been so easy; it is a 3 step process:
The sender will receive money receipt with Money Transfer Control Number (MTCN) from any of the
Western Union agent location outside Bangladesh after depositing money.
The sender will inform the money transfer detail (amount of money sent, sender's name, receiver's
name, destination country, and MTCN) to the receiver .
.. The receiver will receive the money from any of the 66 Branches of Southeast Bank Ltd. by showing a
valid Identification and filling a form .
\/laney transfers can be received from 9.00 A.M . to 3.00 PM on Sunday through Thursday and from 9.00 A.M .
a 12.00 PM on Saturday in 17 Authorized Dealer branches
S:l
5
2.2.5.5 SWIFT Services

The Society for Worldwide Inter Bank Financial Telecommunication ("SWIFT") operates a
worldwide financial messaging network. Messages are securely and reliably exchanged
between banks and other financial institutions. Southeast Bank Limited has SWIFT services. The
Bank's SWIFT address is SEBO BO OH.
2.2.5.6 Locker Services

A client must have a CD or STD or SB or any type of account in the respective branch where they wants to
avail the locker service.
Fees & Charges

Locker Service
Yearly Charge
Small
Tk. 1,500/=
Medium
Tk. 2,500/=
large
Tk. 5,000/=
Security Deposit
Tk.2,500/=(Refundable) for all types of lockers.
2.2.5.7 ATM Services

Southeast Bank Limited is a member of the E-cash Shared ATM Network. E-Cash has a network
of 32 ATM's located in strategically important locations on five important cities / towns of the
country namely: Dhaka, Chittagong, Sylhet, Cox's Bazar and Rajshahi. We are providing ATM
service coverage to our 30 branches. We are issuing ATM card against 5B, CD & STD Account.
Sl
5
8
EAST " ",

l..,
_n
WEST
CHAPTER THREE:
PERFORMANCE APPRAISAL
OFSEBL
S:J
5
IItems
Key Profitability Ratio
Net Income After Tax
Total Equity Capital
Total Assets
Net Interest Income
887,235,037
1,870,185,240
7,357,274,431
11,329,177,287
81,181,530,000 112,676,984,924
1,320,041,046
1,406,093,861
2,763,933,028
17,145,997,491
131,784,270,526
2,681,356,054
0.16507688
0.016597757
0.01247898
0.161199897
0.020973163
0.020346556
0.120592897
0.010929026
0.016260362
ROE: It is a measure of the rate of return flowing to the bank's shareholders. It approximates
the net benefit that the stockholders have received from investing their capital in the financial
firm. Higher the ROE ratio is better for the bank because it increases bank's profitability. For
Southeast Bank Limited ROE shows a increasing trend up to 2009 and again in 2008 it has
decreased to 16.12%.
ROA: It is primarily an indicator of managerial efficiency. It indicates how capably the
management of the bank has been converting the institution's assets into net earnings. Higher
the ROA ratio is better for the bank. Southeast Bank Limited shows a higher return on Asset
from the year 2008 to 2010
Net Interest Margin: It measures how large a spread between interest revenues and interest
cost management has been able to achieve by close control over earning assets and the pursuit
of the cheapest sources of funding. Higher the ratio is better for the bank. Southeast Bank
Limited had highest spread in 2010 which is 2.03% considering the year 2009 to 2009.
S::l
6
Items
Total Loans
Provision for Loan Losses
Total Deposits
60281260389
497165000
68714672575
77497573199
11101185000
96669052139
93,981,202,323
1,644,200,000
107253190318
0.82
0.143245582
0.017494988
87.73
0.80167925
0.876255541
Provision for Loan Losses/ Total Loans: It shows how much provision for loan losses is kept
from the total loan. If the ratio is higher, credit risk associated with the loan tends to be lower.
Southeast Bank Limited had the highest provision for loan losses in the year 2008 and it has
been decreasing subsequently over the years.
Total Loa ns/Tota I Deposits: It shows how much loan is provided from the total deposit. If the
ratio is higher, credit risk associated with the loan tends to be higher. Southeast Bank Limited
has provided 82% total deposits as a loan in 2008 and the highest amount of 87% loan was
provided in the year 2010 out of total deposit.
Sl
6
~I~
IIIIIIIIIY
~
SEBLGlobal
:!008
68714.67
60281.26
15078.99
fe, r 2009
96669.05
77497.57
11916.74
t! Ir
o0
107729.58
92452.62
22781.19
42178.6
58019.77
887.24
31.11
12536
8.77
81181.53
46724.47
69582.92
1870.19
77497.57
32.44
22152
8.24
112676.98
58158.06
103726.7
2763.13
92452.62
45.2
66898
15.93
131943.48
Non Performing Loans
4.12
3.73
4.26
ROA
ROE
capital Adequacy Ratio
1.09%
12.06%
11.12%
1.66%
16.51%
11.72%
2.26%
19.41%
11.25%
Operating Profit
Number of Branches
4039.43
46
5859.21
56
8507
76
Y",a
Deposit
Advances
Guarantee Business
Export Business
Import Business
Profit After Tax
Credit Portfolio
EPS
No of Shareholders
Year End PE
Total Asset
If we look at the overall performance of Southeast Bank Limited it is seen that, the deposit
collection of the bank has been increasing over the years considering the deposit collection
scenario of last three years starting from year 2008. In the year 2008 where the total deposit of
the bank was Tk. 68714.67 million in the year 2010 it has raised to Tk. 107729.58 million.
Considering the amount of advances given by the bank, in the year 2008 the total amount of
advances were tk. 60281.26 million and in the year 2010 it has raised to tk. 92452.62 million.
Bank has also flourished in it's guarantee business. In the year 2008 the total amount of bank's
guarantee business was tk. 15078.99 million and in the year 2010 the amount has raised to tk.
22781.19
Sl
6
2
Bank has also shown growth in Export and Import business over the years. In the year 2008
bank's total import business was tk. 58019.77 million and it was tk. 103726.7 million in 2010.
Bank had export business of tk. 42178.6 million and it has risen to tk. 58158.06 million.
In the year 2010 bank's total amount of credit portfolio was tk. 92452.62 million and EPS wa s
tk.45.2.
Bank had Assets of tk. 81181.53 million in the year 2008 and in the year 2010 amount of Asset
has risen to tk. 131943.48 million. But bank's nonperforming loan has increased over the years.
In the year 2008 where it was only 4.12% in the year 2010 it has risen to 4.26% though there
was a decrease in the year 2009.
Bank's ROA and ROE has also increased over the years. In the year 2008 where bank's ROA was
1.09%, in 2010 it has become 2.26%. In the year 2008 bank's ROE was 12.06% and in 2010 it has
become 19.41%. Bank' s capital adequacy remained almost same over the years. As bank's
operating profit had substantial growth over the years, bank has also increased it's branches
that certainly means bank's service range has also increased throughout the country.
6
3
Performance Evaluation of Gulshan Branch in Comparison to Global Performance

SEBl, Gulshan Branch
Year:2010
8023.88
8118.59
264.4
Contribution
to Global
7.45%
8.78%
1.16%
Deposit
Advances
Guarantee Business
5860.35
7792.94
44.33
Contribution
to Global
6.06%
10.05%
0.37%
Export Business
Import Business
8126.93
2699.74
17.39%
3.88%
8573.19
9354.16
14.74%
9.02%
Credit Portfolio
Tota'Asset
7792.95
10778.81
10.05%
9.57%
8118.59
15395.55
8.78%
11.67%
Operating Profit
365.88
6.24%
475.87
5.59%
Year: 2009
To evaluate the performance of southeast Bank Limited, Gulshan Branch in comparison to the
Global Performance of Southeast Bank Limited, few of the financial performance indicators
have been taken in the consideration . Based on two years performance of Gulshan Branch a
comparison is shown here with the Global performance.
It is noticed here that, In the year 2009, 6.06% of total deposit were collected through Gulshan
Branch and in the year 2010 it was 7.45%. In 2009 10.05 of the advances were distributed by
Gulshan Branch and in 2010 it was nearly 8.78%.
If we look at the contribution for Guarantee Business, in 2009 contribution was 0.37% and in
2010 it is 1.16%.
IN the year 2009 export and import contribution were subsequently 17.39% and 3.88% and in
2010 it was 14.74% and 9.02%. Gulshan Branch had a credit portfolio of 10.05% and 8.78% in
the year 2009 and 2010 out of the global portfolio of credit.
Out of total global assets of Southeast Bank Limited 9.57% and 11.67% belonged to Gulshan
Branch in the year 2009 and 2009.
S:J
6
4
As tax on net profit is provided out of Global Income, here only the operating profit has been
taken into consideration for the performance evaluation. To have a look at the operating profit
contribution of Gulshan Branch in the Global Performance, in the year 2009 Gulshan Branch
contributed 6.24% of the operating profit in the global performance and in 2010 the amount
was 5.59%.
6
EASI~_'
,
~?~
-,
WEST
CHAPTER FOUR:
CONCLUSION
6
Conclusions
Though it is difficult to conclude in a subjective way, about a performance of a financia l

institutions like a commercial bank. Again it is more difficult to evaluate the performance of a
wing or branch out of Global
operat~ on
as all the financial indicators cannot be determined
individually for a branch of a organization. As a result, evaluation becomes narrower.

As a result it was easier to show the global performance of southeast bank limited than to show
the comparative evaluation of Gulshan Branch. As a subject matter of my report and being the
Intern in the Gulshan Branch of Southeast Bank Limited I had taken much of the performance
evaluative indicators to show the comparative study of Gulshan Branch.
Out of 76 branches of Southeast Bank limited, Gulshan Branch is one of the oldest which
started it's journey in 1997 as
4th
branch of the bank. Being located in a elite location of the
Capital and being one of the oldest branch as well performance of Gulshan Branch has always
been more than satisfactory.
A huge part of global performance is contributed by the Gulshan Branch as seen while the
evaluation was shown in financial figures.
S:J
6
Glossary
./ SEBL
Southeast Bank Limited
./ SME
Small & Medium Enterprise
./ ATM
Automated Teller Machine
6
8
EAST
wm
References
www.sebankbd.com
Statement of Affairs of Southeast Bank Limited, Gulshan BRanch
Annual report-2010 of Southeast Bank Limited.
Yahoo: http://www.yahoo.com/
Goggle: http:// www.google.com.bd/
Wikipedia: http://en.wikipedia.org/wikilMain Page
Practical participation with Southeast Bank Ltd.
Informal face to face conversation with the employee of SEBL.
Sl
Performance Appraisal o/Southeast Bank LimitedA Corr.
yon Gulshan Branch
6
9

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00250

I Southeast Bank Limited

Southeast Bank limited

Date of Submission: 28 May 2011

EAST WEST UNIVERSITY

"ect : Submission of the Internship Report on Southeast Bank Limited

ec as "Performance Appraisal of Southeast Bank Limited -A Comparative Study on Gulshan

Performance Appraisal of Southeast Bank Limited -A Comparative Study on Gulshan Branch

: - :g ~2 m from Southeast Bank Limited, Gulshan Branch, Dhaka.

-e fulfillment of all the requirements of BBA program from Business Administration

wi sh him very success in life.

Senior Assistant Vice President

Southeast Bank Limited

Performance Appraisal of Southeast Bank Limited -A Comparative Study on Gulshan Branch

certify that the internship report on "Performance Appraisal of Southeast Bank

Performance Appraisal of Southeast Bank Limited -A Comparative Study on Gulshan Branch

under the supervision of M. Sayeed Alam, Assistant Professor, Department of Business

Performance Appraisal o/Southeast Bank Limited -A Comparative Study on Gulshan Branch

It is my pleasure to extend my heartiest gratitude to Mr. Md Hamidul Haque, Senior Assistant

Finally, my sincere thanks go to my internal supervisor M. Sayeed Alam, Assistant Professor,

Performance Appraisal of Southeast Bank Limited -A Comparative Study on Gulshan Branch

Pe<jormance Appraisal of Southeast Bank Limited -A Comparative Study on Gulshan Brooch

- ested to produce the maximum income .

- -a ncing to wherever needs to be financed. Structured finance comes as a service that

Origin of the Report

Background of the Report

Objectives of the report

1.5.1 Primary Data Collection

1.5.2 Secondary Data Collection

Limitations of the Study

Scope of the Study

CHAPTER TWO: PART ONE- ORGANIZATIONAL PROFILE OF SEBL

Southeast Bank Limited - The Banking Heritage

Strategic Task Analysis

CHAPTER TWO: PART TWO- ACTIVITIES OF SOUTHEAST BANK

Activities of Southeast Bank Limited

Performance Appraisal o/Southeast Bank Limited -A Comparative Study on Gulshan Branch

:U>TER THREE- PERFORMANCE APPRAISAL OF SEBL

- ': : Perfonnance of SEBL

:.":": Perfonnance Evaluation of Gulshan Branch

CHAPTER FOUR: CONCLUSION

Performance Appraisal of Southeast Bank Limited A Comparative Study on Gulshan Branch

Performance Appraisal of Southeast Bank Limited -A Comparative Study on Gulshan Branch

Origin of the Report

followed by a report assigned by the supervisor in the organization and endorsed by

.3 Background of the Report

Peiformance Appraisal of Southeast Bank Limited -A Comparative Study on Gulshan Branch

Objectives of the report

1.5.1 Primary Data Collection

Performance Appraisal of Southeast Bank Limited A Comparative Study on Gulshan Branch

Secondary Data Collection

., Sources of Data /Information

ected by the following sources:

Methods of Data Collection

Performance Appraisal of Southeast Bank Limited A Comparative Study on Gulshan Branch

imitations of the Study

Many more information could

not gather for the resources of maintaining

1.7 Scope of the Study

Performance Appraisal of Southeast Bank Limited A Comparative Study on Gulshan Branch

e.nts all have been discussed one after another.

Performance Appraisal of Southeast Bank Limited -A Comparative Study on Gulshan Branch

CHAPTER TWO (Part- I):

~~~r 1~";'Y;~~~,,~\;t;:: ;'<1:_'~~~_l ,'~ ~', ._J,~~~~~