Department of Computer Science & Engineering

SOUTHEAST UNIVERSITY

INTERNSHIP REPORT
ON
General Banking Services of Al-Arafah Islami Bank

This Internship Report is submitted to Southeast University in partial fulfillment of the requirements for
the degree of B.Sc. in CSE

Submitted by:
Jannatul Ferdous
ID: 2018200000020
Batch: 50
Department of Computer Science & Engineering
Southeast University

Submitted to:
Ishrat Jahan
Lecturer
Department of Computer Science & Engineering
Southeast University
 Letter of Transmittal

25th June 2023

The Chairman
Department of Computer Science & Engineering
Southeast University
Banani, Dhaka

Subject: Submission of an internship report on "General Banking Services at Al-Arafah Islami Bank PLC"

Dear Sir,

With due respect, I'd like to express my gratitude for the opportunity to submit an internship report on
"General Banking Services of Al-Arafah Islami Bank PLC" as part of the course. By conducting my
internship over the last few months, I've gained valuable information and practical experience. I was
assigned to the auxiliary department, where I gathered information on various transactions and
documentation.

Over the last few months, I have done my best to gather all of the information associated with the topic of
this report. Despite the difficulties encountered while preparing this report, it was an incredible experience
for me to work at Al-Arafah Islami Bank PLC, and I sincerely enjoyed being a part of the group.

Sincerely yours,

Jannatul Ferdous
ID: 2018200000020
Department of Computer Science & Engineering
Southeast University
 Approval Certificate

This is to certify that Jannatul Ferdous, ID: 2018200000020, is a regular student in the Department of
Computer Science & Engineering, Southeast University. He completed his internship at Al-Arafah Islami
Bank PLC, Khilkhet branch, from 1st February 2024 to 30th April 2024 under my supervision. He has
completed his internship report on "General Banking Services of Al-Arafah Islami Bank PLC." He is
hereby permitted to submit his internship report.

I wish him the best of luck in life and anticipate a bright future for him.

Signature

Ishrat Jahan
Lecturer
Department of Computer Science & Engineering
Southeast University
Acknowledgement

First and foremost, I must thank God for giving me the ability to complete this report successfully. Every
successful completion of any task requires direction, inspiration, and the mental and logical support of
others. Several people lent a hand to me as I created this report. Without their support, it would not have
been possible to create this report. I appreciate these knowledgeable individuals for constantly providing
me with direction and oversight as I prepared my report.

I would like to convey my debt of gratitude and great sense of indebtedness to my teacher, Ishrat Jahan,
who served as the internship program supervisor, for her outstanding and first-rate supervision and
support in the completion of this report.

I would like to express my heartfelt gratitude to Assistant Vice President Md. Ashraf Ali Thanovi of Al-
Arafah Islami Bank PLC, Khilkhet branch, for providing me with the wonderful chance and helping me
to finish my internship report.
Executive Summary

Al-Arafah Islami Bank PLC, with the trademark "Your responsibility accomplice in progress," offers to
explore the universe of dynamic banking in Bangladesh. With the objective of achieving success here
and hereafter by pursuing the way directed by Allah and the path shown by His Rasul (SM), Al-Arafah
Islami Bank PLC was established as a private limited company on 18 June 1995. The inaugural
ceremony took place on 27 September 1995. The authorized capital of the Bank is Tk. 15,000.00 million,
and the paid-up capital is Tk. 10,649.02 million as of 31 December 2021. Renowned Islamic scholars and
pious businessmen of the country are the sponsors of the Bank. 100% of the paid-up capital is owned by
indigenous shareholders.

The equity of the bank stood at Tk. 2,348.32 crore as of 31 December 2018. The manpower was 4,247 as
of 31 December 2021, and the number of shareholders was 19,146 as of 31 December 2021. It has
achieved continuous profit and declared a good dividend over the years. High-quality customer service
through the integration of modern technology and new products is the tool of the bank to achieve
success. The bank has a diverse array of carefully tailored products and services to satisfy customer
needs.

The Bank is committed to contributing significantly to the national economy. It has made a positive
contribution towards the socio-economic development of the country with 211 branches, of which 25 are
AD, throughout the country.

Understanding the growing significance of advancement in the banking sector to exist effectively in the
present competitive banking industry, Al-Arafah Islami Bank PLC implements its marketing strategies
diligently and employs appropriate elements of the marketing mix. Al-Arafah Islami Bank PLC
consistently engages clients to understand and explore their financial requirements and demands, offering
highly specialized products and services tailored to their needs.

Key Responsibilities:

• Overview of the Bank

• General Banking of Al-Arafah Islami Bank
• Services and goods provided by Al-Arafah Islami Bank
• Findings and analysis of this Bank
• Recommendations for the Bank
 •

TABLE OF CONTENT

TOPIC PAGE
Letter of Transmittal Error! Bookmark not defined.
Approval Certificate Error! Bookmark not defined.
Acknowledgement Error! Bookmark not defined.
Executive Summary iii Error! Bookmark not defined.

Chapter One: Introduction

1.1 Introduction ................................................................................................................................... 1-1
1.2 Significance of the study .............................................................................................................. 2-2
1.3 Objective of the Study ................................................................................................................... 2-2
1.4 Statement of the Problem .............................................................................................................. 2-3

Chapter Two: Methodology

2.1 Methodology of the Study ............................................................................................................ 4-4

Chapter Three: Literature Review

3.1 Theoretical Background of the Study ........................................................................................... 5-5
3.2 Objectives of “Bank” ................................................................................................................... 5-5
3.3 Overview of Banking Sector in Bangladesh .................................................................................6-9

Chapter Five: Internship work

5.1 Account opening section… .......................................................................................... 10-11
5.2 Account opening procedures… ................................................................................... 11-11
5.3 Documents required for opening account… ................................................................ 12-13
5.4 Closing of an account…...............................................................................................13-13
5.5 Deposits Section….......................................................................................................13-14
5.6 Remittance section… .................................................................................................. 14-14
5.7 Clearing section… ....................................................................................................... 14-15

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Chapter Six: Key Learning’s
6.1 My working area ...................................................................................... 16-16

Chapter Seven: Limitations and Recommendations

7.1 Limitations… ............................................................................................................... 17-17
7.2 Recommendations ........................................................................................................ 17-18

Chapter Eight: Conclusion

8.1 Conclusion… ............................................................................................................... 19-19

Chapter Nine: Bibliography

9.1 Bibliography… ............................................................................................................ 20-20

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 CHAPTER ONE: INTRODUCTION

1.1: Introduction:
Today world cash is flowing everywhere on the globe. Cash is circled as a result of globalization,
mechanical infringement and different elements. The economy is the principal factor that
presents a country and their way of life. Various monetary foundations hold the public economy,
among them the financial area is perhaps the main space of a public financial cycle. Banking
administrations assume a basic part in the public economy. Banks are currently available in
wherever however the historical backdrop of the bank is a lot more seasoned. In Bangladesh,
banks assume a huge part among the other monetary foundations. Banking area of Bangladesh
truly assists our economy with developing more.

Step by step the business areas get more serious and more intricate. Thus, banking areas give
greater need to improve new items and administrations for the clients. Business banks
fundamental target is to augment their benefit, then again state possessed business bank’s
primary goal isn't just boost the benefit yet in addition do some friendly government assistance.

Present world is nearly founded on innovation. We are really covered by innovation. Along these
lines, here financial administrations likewise go through innovation. They use PCs to tackle their
work all the more quickly. They likewise began a web based financial framework, portable
financial framework. They use innovation to arrive at their clients without any problem. They
additionally go for green financial exercises to save the climate. Then again, they additionally go
for CSR (corporate social obligation).

In order to observe the actual status of banking workouts, I had to join a rumored Bangladeshi bank.
Based on this information, the report "General Financial Exercises of Al-Arafah Islami Bank Restricted"
was created.

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1.2 Significance of the Study

The primary motivation behind this research is to gain a comprehensive understanding of the
dynamic business environment and acquire practical knowledge related to the banking and
corporate sectors. This knowledge is crucial for each student studying business effectively navigate
the rapidly evolving challenges in the job market. Practical knowledge holds more value than
theoretical knowledge as it is grounded in real-world experiences and is highly reliable and
applicable. By conducting this study, I aim to develop a realistic perspective of the real world of
business, particularly in the banking industry, and gain valuable insights into various aspects of
banking operations. This research will provide me with invaluable practical knowledge that
transcends disciplinary boundaries and is relevant to students from all fields of study. This research
endeavor will enable me to grasp the intricacies and nuances of the business world by immersing
myself in its practical aspects. It will provide me with a firsthand understanding of the realities,
complexities, and challenges that businesses face on a daily basis, especially in the context of the
banking sector.

1.3 Objective of the Study

An internship is a way for receiving hands-on knowledge related to a theoretical course. Knowledge
about actual condition is its vital component. An internship can provide the practical knowledge that
Management requires because it is a practical subject. In this sense, the study's primary goal is to
understand in practice how the general banking system studied on Al-Arafah Islami Bank operates.
Specific Objectives:
The following are the study's particular goals:
• Knowledge of various commercial banking systems.
• Being aware of how a commercial bank does business.
• To understand how loans and advances contribute to a commercial bank's profitability.
• To be familiar with general banking's primary duties.
• To put theoretical understanding into practice.
To possess knowledge of the finance management system.

1.4 Statement of the Problem

Al-Arafah Islami Bank PLC is one of the biggest business banks, which assumes a crucial part in
the monetary advancement of the country through credit and savings. It redirects and assigns the
assets everywhere on the country, which are intended to foster the nation's economy and add public
riches.

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This was accomplished through my three-month internship at Al-Arafah Islami Bank. My ideal
internship would allow me to put my theoretical knowledge of the financial system's general
operations to use at Al-Arafah Islami Bank. The topic I'm supposed to write on is called
"General Banking Activities of Al-Arafah Islami Bank”
which was assigned by my supervisor Ishrat Jahan Ma’am, Lecturer, Department of CSE, Southeast
University.
Based on my internship experience, I have done my best to write this report, which aims to bridge the
gap between academic study and real-world application.

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 CHAPTER TWO: METHODOLOGY

2.1 Methodology:

Type of Study
This report depends on a subjective sort of study. The technique of this report is very surprising
from ordinary reports. This report fundamentally stresses on the viable perception. Practically the
whole data have shown directed dependent on useful perception and short studies.

Sources of Data
Primary and secondary sources are used to compile the data.

Primary sources of data

Up close and personal discussion with the bank workers and staff. Casual discussion with customers.
Functional work openings from the various work areas of the divisions.

Secondary sources of data

● Report of Al-Arafah Islami Bank for the Previous Year
● Various Al-Arafah Islami Bank Procedures Manuals
● The Al-Arafah Islami Bank Announcement and Other Circulars
● Newspaper
● Random websites
● Branch information not available elsewhere - Branch Statement of Affairs
● Review of the Bangladesh Economy

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 CHAPTER THREE: LITERATURE REVIEW

3.1 Theoretical Background of the Study

The reader will have a better chance of grasping the report's content if a thorough Literature Review
is included. To ensure that the reader fully understands the concept, this section is copied verbatim
from the explanations of several well-known authors and reputable online resources. Al-Arafah
Islami Bank and its service quality have been the focus of multiple articles in academic journals,
and case studies. This research paper's literature review will orient readers to the key theoretical
knowledge and research in the field.

3.2 Objectives of “Bank”

• Establishing a solid foundation for expanding benefits and leading overall economic activities.
• Ensuring economic stability through effective regulation of the currency market.
• Extending cooperation and providing guidance to the government on economic matters.
• Assisting the government in promoting trade, business, and overall financial development.
• Exercising the authority to issue and regulate national paper money issued by the government's
central bank.
• As the nation's central bank, you are liable for preserving and controlling the exchange rate.
• Cultivating a culture of savings and encouraging the public to invest their money for improved
financial liquidity.
• Inspiring individuals to contribute funds with the aim of enhancing their solvency.

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3.3 Overview of banking sector in Bangladesh

Banking history:
The financial framework system at self-governance had three non-West Pakistani non-natives and
two branch offices of the former State Bank of Pakistan, which were both hampered by
Bangladeshi costs. There were fourteen humbler business banks. Practically speaking, all keeping
cash organizations were pressed in metropolitan districts. The as of late independent government
instantly allotted the Bangladesh Bank after redesignating the State Bank of Pakistan's Dhaka
branch as a public institution. The bank was accountable for overseeing cash, controlling credit
and cash related techniques, and coordinating exchange control and the authority of far-off
exchange saves. The Bangladesh government from the start nationalized the entire family keeping
cash structure and proceeded to redo and rename the various banks. Outside said banks were
allowed to go on working together in Bangladesh.

Following the acquisition of autonomy, Bangladesh's savings and loan sector started off with 6
nationalized commercial banks, 2 state-owned specialized banks, and 3 foreign banks. With the
entry of private banks, the managing an account sector underwent significant expansion in the
1980s. Now, there are mainly two forms of banking in Bangladesh:

1. Schedule Bank
2. Non-scheduled Bank
List of Banks in Bangladesh:

Central bank

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 State Owned
Bank

Specialized Bank

Foreign Commercial Commercial

Bank Bank
A. Central Bank (Bangladesh Bank)
B. State-owned Commercial Banks
➢ Sonali Bank
➢ Agrani Bank
➢ Janata Bank ➢ Rupali Bank

C. Private Commercial Banks

➢ United Commercial Bank Limited
➢ Mutual Trust Bank Limited ➢ Eastern Bank Limited ➢ IFIC Bank Limited,
➢ Al-Arafah Islami Bank etc.

D. Foreign Commercial Banks

➢ HSBC

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 ➢ Standard Chartered Bank ➢ ICICI Bank, etc.

E. Specialized Development Bank

➢ Bangladesh Krishi Bank
➢ Grameen Bank
➢ Rajshahi Krishi Unnayan Bank, etc.
Functions of bank:

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 CHAPTER FIVE: INTERNSHIP WORK
5.1 Account Opening Section

Account (A/C) Opening

Customers need to create an account before doing business with banks. It is a creation of
interactions with financier consumers, and this may be the main role of a branch because, by
creating accounts, the bank amasses resources for endeavor. When opening a record, different
records are taken and distinct principles and criteria are maintained. Through this office, a customer
may view many types of records. Account Types with Terms and Conditions

Current Account:
An account for demand deposits only is a current account. The ability to withdraw money from the
account is unrestricted. In general, it makes sense when money needs to be collected and handed out
frequently. A few key points are as follows:
➢ An opening deposit of at least TK 1000 is necessary. ➢ There is no cap on withdrawals.
➢ No interest is paid on the money deposited. ➢ Maintain a minimum balance of Tk. 1000 at all times.

Savings Bank Deposit:

The main target consumer for this deposit is modest savers. Consequently, there is a cap on withdrawals
every month. Heavy withdrawals are only allowed with advance notice. Below are a few points that are
crucial:
➢ A Tk. 500 starting deposit is necessary as a minimum.
➢ A minimum balance of Tk. 500 must be retained at all periods.
➢ The maximum amount of can be withheld at one time and twice every month is one-fourth of the
entire balance.
➢ If a single withdrawal exceeds one-fourth of the entire sum, no interest is paid on the deposited
funds for that month.

Fixed Deposit:

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 Period Interest rate

For 3 to 6 months 6.00%

For 6 to 2 months 6.50%

For 12 to 24 months 6.75%

For 24 to 36 months 7.00%

5.2 Account Opening Procedure

The following steps must be accomplished by consumers before opening a current or savings account.

● Application in the format specified

● furnishing two copies of photographs
● Introduction by a possessor of an account
● Putting three specimen signatures in the ‘Specimen Signature Card’
● Mandate
● Voter ID number
● Voter ID of Nominee
● Account holder's signature on a nominee's photograph (1 copy)

Following completion of the aforementioned procedures, the branch hands the customer a chequebook and
a paying in slip. Depending on the sort of institution the consumer has opened, the cheque book may be
missing 10, 20, 50, or 100 pages. The 'Requisition Slip' for a chequebook must be filled out by the buyer.
Then, each page of a fresh chequebook will be completed with the customer's account number and the
branch's name.

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5.3 Documents required for opening account

Individual / Joint Account

● Introduction of the account.
● Two pictures of the contributors, with the introducer's proper attest.
● Joint Certification Form (only for facet joint a/c).
● People certificate (if service is current) Partnership account

● Introduction of the account

● Two pictures of the contributors, with the introducer's proper attestation.
● A partnership letter that has been properly signed by each partner.
● Partnership Deed properly acknowledged by public notary. Proprietorship account

● Introduction of the account

● Two photographs of the signatories duly attested by the introducer, Valid copy of Trade License.
● Rubber stamp
● TIN number certificate.
● Identity (Copy of passport).
● Permission letter from DC/ Magistrate.

In case of Club/Society

A current list of office holders, a certified copy of the resolution authorizing the installation and use of air
conditioning, a certified copy of the constitution, and a copy of the government's authorization (if
registered).

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General guidelines or requirements for using current/saving are as follows:

1. The saving account and current account must each have a minimum balance of 500 and 1000 takas,
respectively.
2. A appropriate introduction from a branch-acceptable introducer is necessary.
3. The introducer must show recent pictures of the A/C openers that have been officially authenticated.
4. In the case of saving an air conditioner, deposits may be withdrawn twice every week.
5. For Saving A/C, if a withdrawal is tk 50,000 or more, an application must be made to the branch
authorities, however customers rarely abide by this requirement.
6. Savings bank A/C interest is 5% annually.

5.4 Closing Account

When terminating an account or justifying stopping an account's activity, the following factors are
typically taken into account: Notice given by the customer himself or if the customer is desirous to close
the account.
Customer's demise; Customer's insanity; Customer's insolvency; If the branch discovers that the account
has been inactive for a protracted length of time. If a court-issued Garnishee Order is served on a bank
branch. The chequebook must be returned to the branch in order to cancel the account. Al-Arafah Islami
Bank deducts all fees from the account before paying the customer for the remaining amount. The
"Account Closing Register" and the computer both receive the necessary entries.

5.5 Deposits section

Fixed Deposit Receipt (FDR):

Fixed stores are the stores where a measure of money is kept in a bank for a fixed period indicated
ahead of time. These are time stores, or time liabilities, as a result. The money on a fixed store is
typically not repayable before the end of a specified period. The broker issues a receipt
acknowledging the receipt of funds on the store account at the time the store account is opened.
The term "FDR" (Fixed Store Receipt) is well-known.

(DPS):

A person must be at least eighteen years old to open a "Deposit Pension Scheme" (DPS) account, and they
have to put in at least Tk 100. The one who made the deposit has two options for withdrawal when the
time has expired: either the full amount placed plus interest, or an ongoing installment. By the first week
of every month, the depositor must deposit the quantity designated for him or her. The depositor may
choose a minimum of one nominee for a DPS bank to receive the deposited funds upon his or her passing.

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5.6 Remittance Section

Asset remittances play a vital role in the services offered by Business Banks to their clients. Among the
various services provided, Remittances are highly recognized and popular. Remittances involve the
transfer of money from one location to another through postal and telegraphic channels. Banks facilitate
this service by accepting funds from one branch and arranging payments to another branch within the
country. Remittances are a key component of Business Banks' services, widely known and valued by
clients. This term refers to the transfer of cash from one location to another by telegraph and post. Banks
offer this service by receiving funds at one branch and facilitating payments to another branch within the
country.

5.7 Clearing Section

Cheque, Pay Order (P 0), Demand Draft (D.D.) Collection of amounts of other banks on behalf
of its customers are a basic function of a clearing department.

Clearing
Through an exchange house, a bank can transfer money from customers from one bank to another using
the clearing system.

Bills Collection:

In terms of safe and efficient transactions, the process in modern banking has grown sophisticated.
Customers do complete the transaction by paying and receiving a bill from the counterpart. Bills must be
collected by commercial lenders on behalf of their clients.

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 CHAPTER SIX: KEY LEARNING’S

6.1 My working area

This report is structured based on the experiences I had while doing my internship. I worked at Al-
Arafah Islami Banka as an intern, at Khilket branch. I had a brief stint there. It was something I
had never done before. I find it extremely amazing because I'm dealing with new people, a new
setting, and a genuine business situation. I was given a job in the auxiliary department working for
Assistant Vice President Md. Ashraf Ali Thanovi of Al-Arafah Islami Bank PLC, Khilkhet branch.
This section examines and approves all types of transactional paperwork. On the table, there were
always several documents arranged as credit and debit vouchers. My main responsibility was to
locate debit and credit vouchers and record them with a specific date in a large register book. In
addition, I have completed a variety of chores at various desks as directed. I can learn more by
keeping up with these subjects.

❖ Dispatch
❖ Issuance of Demand Draft (DD) / Pay Order
❖ Bills Remittance
❖ Foreign Remittance
❖ Assisting Customers to Open Bank
❖ Providing Cheque

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 CHAPTER SEVEN: LIMITATIONS AND
RECOMMENDATIONS

7.1 Limitations

❖ A portion of the data expected to investigate the current market situation of the organization
was not uncovered.
❖ 90 days’ time isn't sufficient for a particularly broad investigation. It is extremely hard to gather
all the necessary data in a brief period.

7.2 Recommendations

I experienced both positive and negative things during my internship. There are some restrictions in any
commercial organisation. Sometimes they disregard these issues, other times they can't figure them out,
other times they can pinpoint the issue but can't address the underlying corruption. Here are some
suggestions for Al-Arafah Islami Bank PLC to raise their game.

❖ The form should be detailed with accurate information that addresses the client's concerns rather
than providing extraneous or ambiguous information. As a result, there may be a chance to serve
more clients quickly.
❖ If the potential clients have the necessary identification documents, there should be probation for
avoiding introducers.
❖ The process for issuing chequebooks, pay orders, and bank draughts should be made simple by
banks.
❖ Al-Arafah Islami Bank’s goods and services must be innovative and competitive.

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❖ Banks should lower interest rates as little as possible to boost client happiness.
❖ To increase customer satisfaction, Al-Arafah Islami Bank PLC should establish a box for
complaints in each of its branches.
❖ By providing various facilities, banks should priorities enhancing client pleasure.
❖ The bank could begin establishing a client care center for enhanced fulfilment.
❖ There ought to be ATM booths in the main districts. Priority must be given to industrial and
especially large cities.

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 CHAPTER EIGHT: CONCLUSION

8.1 Conclusion
The bridge between academic knowledge and real-world experience is the internship. Completing
my internship has truly been a transformative experience, as it served as a crucial bridge between
the theoretical knowledge I gained in my academic pursuits and the practical skills required in a
professional environment. The invaluable experience I gathered while working in an official setting
will undoubtedly play a vital role in shaping my future career path. Throughout my internship, I
came to realize the immense impact that modern Science and Information Technology have on the
operational and management processes of organizations.
In order to effectively serve customers, companies must excel in various areas such as devising
swift business strategies, streamlining bureaucratic procedures, reducing turnaround times,
enhancing customer service, and fostering continuous knowledge development. With the rapid
economic growth in Bangladesh, the role of financial institutions has become exceptionally crucial.
Among these institutions, Al-Arafah Islami Bank PLC stands out as a third-generation bank actively
contributing to the country's socioeconomic development. While Al-Arafah Islami Bank PLC faces
certain challenges that require resolution, it is steadily progressing and holds tremendous potential
for future growth. Al-Arafah Islami Bank PLC consistently strives to provide high-quality services
to its customers while upholding elevated standards of integrity. Furthermore, my internship
experience has not only equipped me with practical skills but also highlighted the pivotal role banks
play as a significant revenue source for the country. Witnessing Al-Arafah Islami Bank PLC
Limited's unwavering commitment to their core objectives and their dedication to maintaining
customer satisfaction has reinforced my understanding of the importance of these institutions in
driving economic progress.

By presenting the information in different ways, I hope to have provided a fresh perspective on the
significance of internships, the role of modern science and technology, and the contributions made
by Al-Arafah Islami Bank PLC in Bangladesh's economic development.

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 BIBLIOGRAPHY
9.1 Bibliography

• Malhotra, Naresh K. "Marketing Research." 3rd edition. Prentice Hall, Inc., Upper Saddle River,
New Jersey 07458 (2003), pp. 102-103, 690-700.
• Kotler, Philip & Keller, Kevin Lane. "Marketing Management." 12th Edition. Prentice-Hall of
India Private Limited, 2006, pp. 51-53.
• Annual Report of Al-Arafah Islami Bank PLC, 2020.
• Articles from Al-Arafah Islami Bank PLC.
• Bangladesh Bank Report.
• Gup, Benton E., and Kolari, James W. "Commercial Bank Management." 3rd Edition.
• Madura, Jeff. "Financial Markets and Institutions."
• Various types of Vouchers from Al-Arafah Islami Bank PLC.
• Half Yearly Report of Al-Arafah Islami Bank PLC.

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