CHAPTER 1 INTRODUCTION

1.1. PROPOSITON OF THE STUDY

For over a decade, information technology has significantly affected the banking industry. Banks and other financial institutions have improved their functions as a financial intermediary through adopting various information technologies. Generally when the information technologies combine with functions of banks and financial institutions, it is called electronic banking. Among various electronic banking technologies internet banking is the latest banking technology and the most rapidly diffused banking technology through out the world. Now, in a world which is becoming increasingly open as a result of the internet and www, internet banking has been gaining ground around the globe. his offers banking institutions a new frontier of opportunities and challenges further augmenting competition in the global banking market. !ince the launch of "nternet the large planet has become a smaller one. "t has rendered enormous impacts on business sectors. #emarkable development in "$ %"nformation and $ommunication echnology& has introduced a global revolution in banking sectors. he global trend in business arena set some challenges that cannot be fulfilled with the help of the traditional banking system. he survey of current banking system in Bangladesh reveals the fact that it re'uires rapid modification and adaptation to keep harmony with the world economy business. "t becomes more obvious by observing the increased number of customers in some modern banks while others are losing them. "n the conte(t of Bangladesh, a country of more than 1)* million people, it is to be reali+ed that there is no other option for us than to ,oin the current trend. -therwise it is almost impossible to bring any sort of fruitful achievement for the country. At present, people are very often scared of doing any banking function with most of the bank of Bangladesh. For, they still follow the traditional paper.based system. "t, then, becomes cumbersome to perform even a simple financial service such as account

checking. herefore, the e(isting banking system in our country is awkward, slow and error.prone. "t, in one hand, fails to meet the customers0 demand and, on the other hand, it causes some significant losses both for the banking authority and traders. 1lectronic banking, on the other hand, solves the above problems. Furthermore, it opens up some other salient aspects such as increased foreign trade and foreign investment. "n order to cope with the changing technology 2B3 pursuits internet banking services keeping in mind to hold up their position in the global competitive world providing better services that customers e(pect being a man in the twenty first century. his report is an impartial 4niversity $urriculum re'uirement for Bachelor of Business Administration %BBA& 2egree, assigned by my internship supervisor !hagufta 5an+oor %lecturer of !outheast 4niversity, Bangladesh& for internship 6 placement $ommittee based on pro,ect assigned by 2haka Bank 3imited %2B3&. "t took 7 months to analy+e and evaluate the various activities of 2haka Bank 3imited %2B3&.

1.2 Objective of the stu !"

he main ob,ective of the study is to gather practical knowledge regarding banking system and operation. his practical orientation gives us a chance to $o.ordinate out theoretical knowledge with the practical e(perience. he following are of ob,ective for this practical orientation in bank8 %a& %b& %c& %d& %e& %f& o apply theoretical knowledge in the practical field. o understand e(isting 9# policy of Ahamed Amin Group -f $ompany 3td. o know the various aspects and activities of 9#5 in an organi+ation. o know the 9#5 practices in an organi+ation in Bangladesh o observe the working environment in commercial banks. o study e(isting banker customer relationship.

1.# Cove$%&e of the stu !"

"n this report, three ma,or areas in this $ompany have been covered which are8 %a& %b& %c& 1mployee ac'uisition 1mployee development $ompensation and benefits

1.' Objective of the O$&%(i)%tio("

he word :$ompany; refers to the financial institution dealing with money. $ompany system occupies an important place in a nation0s economy. A banking institution is indispensable in a modern society. "t plays a pivotal role in the economic development of a country and forms the core of the money market in an advanced country. -n the other hand they are borrowing money from the locals and lending the same to the business as loans and advances. !o the people and the government are very much dependent on these banks as the financial intermediary. 5oreover, banks are profit.earning concern, as the collect deposit at the lowest possible cost and provide loans and advances at higher cost. he differences between two are the profit for the bank. "n recent times the banking sector over the world has been undergoing a lot of changes due to deregulation, technological innovation, globali+ation etc. Bangladesh banking sector is lagging for behind in adopting these changes. "nvolvement of the banking sector in different financial events is increasing day by day. At the same time the banking process is becoming faster, easier and the banking arena is becoming wider. As the demand for better service increases, the banking organi+ations are coming with innovative ideas. "n order to survive in the competitive field of the banking sector, all banking organi+ations are looking for better service opportunities to provide to their clients. As a result, it has become essential for every person to have some idea on the bank and banking procedure.

1.* Dh%+% ,%(+-s .issio("

o be the premier financial institution in the country providing high 'uality products and services backed by latest technology and a team of highly motivated personnel to deliver 1(cellence in Banking.

1./ Dh%+% ,%(+-s 0isio("

At 2haka Bank, we draw our inspiration from the distant stars. -ur team is committed to assure a standard that makes every banking transaction a pleasurable e(perience. -ur endeavor is to offer you ra+or sharp sparkle through accuracy, reliability, timely delivery, cutting edge technology, and tailored solution for business needs, global reach in trade and commerce and high yield on your investments. -ur people, products and processes are aligned to meet the demand of our discerning customers. -ur goal is to achieve a distinction like the luminaries in the sky. -ur prime ob,ective is to deliver a 'uality that demonstrates a true reflection of our vision < 1(cellence in Banking

CHAPTER 2 .ETHODO1O2Y

>

2.1 Objective of the stu !"

he main ob,ective of the study is to gather practical knowledge regarding banking system and operation. his practical orientation gives us a chance to $o.ordinate out theoretical knowledge with the practical e(perience. he following are of ob,ective for this practical orientation in bank8 %g& %h& %i& %,& %k& %l& %m& %n& o apply theoretical knowledge in the practical field. o understand e(isting 9# policy of !ocial 2haka Bank 3imited. o know the various aspects and activities of 9#5 in an organi+ation. o know the 9#5 practices in an organi+ation in Bangladesh o observe the working environment in commercial banks. o study e(isting banker customer relationship. o appraise the performance of 29A?A BAN? 3imited. o find out how people are encouraged to do banking in 2B3

2.2 Stu ! A$e%

"nternship is an integral part of our BBA @rogram. " have done my internship in ADh%+% ,%(+3 ,%(%(i ,$%(ch3 Dh%+%-. " have opted AHR. 4$%ctice i( Dh%+% ,%(+ 1i5ite - as my study area.

2.# D%t% Co66ectio("

For smooth and accurate study every one have to follow some rules 6 regulation. he study impute were collected from two sources8 7%8 P$i5%$! sou$ces %i& %ii& %iii& @ractical desk work Face to face conversation with the officer and managers 2irect observations B

%iv& %v&

Face to face conversation with the client 5a,or sources of @rimary information discussed with my supervisor ?rishno Babu %FAC@&.

7b8 Seco( %$! sou$ces %i& %ii& %iii& %iv& %v& %vi& Annual report of 2B3 Files 6 Folders 5emos 6 $irculars 2ifferent te(tbooks 2ifferent Debsites Bank0s record

2.# 1i5it%tio(s of the stu !

he limitations of the study are defined by the e(tensive of the facts covered by the study and those that left out. 9owever, these limitations can be presented in the following lines8 he first limitation is that " failed to sketch the complete picture of the 2haka Bank0s activities, as " have to shorten my internship period for my BBA admission. !o " tried my best to focus on what " have done and also tried to make it consistent with other part of the report. he second limitation is the lack of intellectual thought and analytical ability to make it a perfect one. " have to offset with the 'uality due to time constraint, which apparently seems to be the most severe limitation. Another limitation of this report is non.availability of the most recent data 6 information of different activities of 2haka Bank0s policy of not disclosing some data 6 information for some reasons, which could be very much useful.

1(periences gathered from one branch of the Bank so it0s difficult to find out every transaction of a Bank. $lients were too busy to provide me much time for interview. "t was difficult to know whether willing respondents are truly representative. ime was very short to do this type of research. he research could have been better if the time was more than three month.

CHAPTER # OR2ANI9ATION PROFI1E

1*

#.1 Histo$ic%6 ,%c+&$ou( of Dh%+% ,%(+ 1t 7D,18

Bangladesh economy has been e(periencing a rapid growth since the GF*s. "ndustrial and agricultural development, international trade, inflow of e(patriate Bangladeshi workersG processing and service enterprises ushered in an remittance, local and foreign investments in construction, communication, power, food era of economic activities. 4rbani+ation and lifestyle changes concurrent with the economic development created a demand for banking products and services to support the new initiatives as well as to channeli+e consumer investments in a profitable manner. A group of highly acclaimed businessmen of the country grouped together to responded to this need and established 2haka Bank 3imited in the year 1FF=. A fully operational $ommercial Bank, 2haka Bank 3imited focuses on pursuing une(plored market niches in the !mall and 5edium 1nterprise Business, which has remained largely untapped within the country. "n the last five years of operation, the Bank has disbursed over B2 17,1EE./> million in loans to nearly 7B*)B small and medium entrepreneurs in /**F. he management of the Bank believes that this sector of the economy can contribute the most to the rapid generation of employment in Bangladesh. he BankGs footprint has grown to =B branches, //F !51 unit offices and 1==E @-! terminals, 1F** remittance delivery points across the country. "n the years ahead 2haka Bank 3imited 12 e(pects to introduce many more services and products as well as add a wider network of !51 unit offices. he Bank was incorporated as a public limited company under the $ompanies Act. 1FF). he Bank started its commercial operation on Huly *=, 1FF= with an authori+ed capital of k. 1,*** million and paid up capital of k. 1** million. he paid up capital of the Bank stood at k. 17>7.E7 million as on 71 2ecember, /*1*. he total e'uity %capital and reserves& of the Bank as on 2ecember 71, /*1* stood at k. =,E1B.E* million

11

#.2 Fu(ctio(s of the O$&%(i)%tio(

#.2.1" T$% e Fi(%(ce" 2B3 provides comprehensive banking services to all types of commercial concerns such as in the industrial sector for e(port.import purpose as working capital, packing credit, trade finance, "ssuance of "mport 3I$s, Advising and confirming 1(port 3I$s. . Bonds and Guarantees. .3ow interest rate 17.**J.1).=*J. .5inimum processing time. .3ow service charges. #.2.2" Ove$ $%ft" 2B3 offers overdraft facility for corporate customers for day.to day business operations. .3ow charges in overdraft account maintenance. .Facility is available against deposit receipt or mortgage property. .3ow interest rate 17.1>J. ."ntroductory current account. .-thers necessary documents as per loan re'uirement. #.2.#" 1e%se Fi(%(ce" 2haka Bank 3imited offers leasing facility for clients with easy installment facility. As a part of its strategy to ensure steady growth and add value to shareholders, the company diversified its business into 3ease Finance for ac'uisition of all types of "ndustries. .$apital machinery. .2ifferent e'uipments. .Gas, 2iesel generator and @ower plant. .5edical e'uipments. .3ift or elevator. ."nformation echnology e'uipments. 1/

.$onstruction e'uipments. .$onsumer durables. #.2.'" Ho5e 1o(e" 2B3 offers home loan facility for purchasing flats or construction of house :Financing amount e(tends upto B*J or k. B=,**,*** which is highest of total construction cost. .Grace period available upto F months in flat purchase or 1/ months in construction. .$ompetitive interest rate. .No application or processing fee. #.2./" S%vi(&s De4osit" 2haka Bank 3imited offers customers a hassle free and low charges savings account through the branches all over Bangladesh. ."nterest rate of >.**J on average monthly balance. .5inimum balance k.1***. .5aintenance charge yearly k. )**. .No hidden costs. .!tanding "nstruction Arrangement are available for operating account.

#.2.;" De4osit Sche5e" As approved by Bangladesh Bank we accept fi(ed deposit for 1. year term from individual customers and > months from corporate customers. De offer attractive rate of interest for such erm 2eposit. #.2.<" Fo$ei&( E=ch%(&e ,usi(ess" As usual foreign e(change business contributed largely to its profitability in /**E also. he 5anagement of the bank careful in creating to

17

the banking needs of the e(ports and such as always tries to depute component officers having re'uired e(pertise in the field. As a result bank foreign trade witnessed impressive development during last few years. 2uring /**E, business for k.1/, =//.*) million 6 he Bank handled e(port 6 import h.7E, BF>.EE million respectively. Number of

Bank0s A2 Branches was /* %twenty& in /**E, which is e(pected to increase by *7 %three& Branches in /**F. #.2.1>" Re5itt%(ce ,usi(ess" For last few years, in order to inspire the Non.#esident Bangladeshis %N#!& residing abroad to remit their hard earned foreign currency through legal Banking channel, 2B3 Bank has taken a number of steps. As part of this, agreement with various e(change companies to cover the globe has been made, which brought result beyond e(pectation. 3ast year, the Bank entered into a ,oint venture with 5!!.an NGworking for empowerment of womenfolk0s of the county under 2F"2 funded pro,ect called #@$F and could outlets, this is a uni'ue idea of e(tending ma(imum service at minimum cost to the beneficiaries. Apart from this bank is regularly participation in various potential remittance senders. "n /**E the Bank received more than B2 1/,*FE.1E million recording >/.=7J increase over last year0s figure of B2 million. #.2.12" Othe$s Fu(ctio(" :$urrent 2eposit . erm 2eposit .!hort erm 2eposit .Fi(ed 2eposit .Foreign $urrency 2eposit .2B3 5onthly !aving !cheme .!mall 5edium 1nterprise .$onsumer $redit !cheme B,))7.=*

1)

#.#" Ro6e of the O$&%(i)%tio( i( the Eco(o5ic Deve6o45e(t of ,%(&6% esh

"n the economic view, 2B3 plays a lot role, now " describe the role. "n the economic front, inflation attracted the highest attention of the government, businessmen and media. "n Bangladesh, inflation has become a social problem rather than an economic problem as it hit hard to lower income group. he inflation crept up to =.F) percent in Hanuary to 11.=F percent in 2ecember /**B and 2haka Bank 3td faced problems like previous years. 2haka Bank 3td. $ontributes in various way, like. E546o!5e(t" Dhaka Bank Limited has been continuously creating new fields of employment every year by way of e(pansion of its business activities and branch networks. "n /**E, the bank created employment for 7*= personnel. E uc%tio(" Dhaka Bank Limited Foundation was established in 1FEF for fulfilling responsibilities of societal welfare. "t has been running the National public !chool and $ollage in $omilla, 2haka where present enrolment is 11)*. "n /**E, =7 students appeared at the !!$ 1(amination and among them, /= students achieved Golden AK while 7/ students appeared at the 9.!.$. e(amination out of which ) students achieved Golden AK. he bank has been accommodating prospective graduates of recogni+ed universities for completing their internship. :2B3 also awarded stipend and scholarship to the *= %five& meritorious students of Faculty of Business !tudies, 4niversity of 2haka. :4nder the banner of the N$$ Bank Foundation, the Bank distributed education materials to poor students of 2atagram and Angoras enclaves. .Awarded !cholarships to talented but distressed students and grant assistance to the off. springs of the Bank0s employees. He%6th C%$e" Dith a view to assisting destitute in treatment, the Bank e(tend subsidy to a city 9ospital.

1=

Dis%ste$ Re6ief" Dhaka Bank Limited always e(tends its helping hands and stands by the suffering and helpless people in times of natural calamities. 1. /. 7. o help the Flood and !idr Cictims, the Bank has donated h.1.1*. crore to the $hief Advisor0s #elief Fund and #elief Fund of the $hief of Army !taff. he Bank has distributed blankets to the destitute of southern part of the county to help them in coping with severe cold wave. o help the victims of B2# carnage the Bank has donated prime 5inister0s #elief Fund. .e$ch%(t ,%(+i(&" 2haka Bank 3imited is playing an effective role in capital market of the country and remains engaged in various activities related to "@-0s such as banker to the issue, underwriting etc. "n /**E 2B3 has earned an amount of k.7.FE million from this arena. otal investment of the bank in the capital market as on 71.1/.*E was k./,7)>.F million consisting of primary and secondary market for k.//B million and k./,11F.F million respectively. A total amount of k.1)7.1F million was earned from the sell 6 purchase of shares in the year under review. -n the other hand, 2B3 has earned a total amount of k.)).1/ million as cash dividend from shares of different companies. 2B3 purchased a membership of the 2haka !tock 1(change 3imited %member No. /*7& and got registration as 2B3 $apital !ervices and became a corporate member of 2!1. A&$i:Fi(%(ce" $ountry0s northern part is always beloved to be a backward region where threat of famine, popularly known as A5onga0 looms as there is little scope of employment during dry seasons. o help the people of the area, the Bank e(tended credit facilities under fle(ible terms for cultivating mai+e. S4o$ts ? Cu6tu$e" 2haka Bank Limited has a tradition of patroni+ing and sponsoring sports and cultural activities of the $ountry. he L2haka Bank Colleyball k./=.**lac to the

1>

league ./**BL was arranged under the patroni+ation of the Bank. "t has also arranged annual picnics as a means of recreation for its e(ecutives, officers and staff. Othe$s8 2haka Bank Limited has always maintained their corporate social responsibility in various ways. "t has always appreciated various kinds of fair, festivals and other gatherings organi+ed by different private or public sectors

1B

#.' CORPORTE IFFOR.TION

N%5e of the Co54%(! 1e&%6 Fo$5

2haka Bank 3td. A @ublic limited company incorporated in Bangladesh on >th April 1FF= under the $ompanies Act, 1FF) and listed in 2haka !tock 1(change 3imited and $hittagong !tock 1(change 3imited $./E1)>%1FF/&IF= *= Huly 1FF= Biman Bhaban%1st Floor& 1** 5oti,heel $IA, 2haka.1***, Bangladesh KEE*/ F==)=1) >)/)/= 2B3 FM BH 29B3B229 dhakabnkNbdonline.com www.dhakabankltd.com 9owladar, Ounus 6 $o.$hartered Accountants

Re&ist$%tio( Nu5be$ D%te of Co55e(ce5e(t Re&iste$e Office Te6e4ho(e Te6e= S@IFT Co e E:5%i6 @eb P%&e Au ito$s

#.* St$uctu$%6 .%(%&e5e(t

Board of 2irectors 5anaging 2irector %9#2&

2eputy 5anaging 2irector
G!2, $A2, A6", GB, 265

$hief Advisor 1E
2eputy 5anaging 2irector
"2, " , $redit, #62

1(ecutive Cice @residentI $ompany !ecretary

!enior Cice @resident

!enior Cice @resident

!enior Cice @resident

Cice @resident First Astt. Cice @resident Astt. Cice @resident

!enior @rinciple -fficer @rinciple -fficer !enior -fficer -fficer -fficer Hunior -fficer Astt. -fficer

#./ Dh%+% ,%(+ 1t As ,$%(ches"

here are =B Branches of 2B3. !ome of them are follows8

1F

 9ead -ffice 4ttara Branch 3ocal office karwan Ba+ar branch Hoypara Branch "slampur Branch

"slamic Banking Branch, 5oti,heel

"mamgan, Branch Gulshan Branch Foreign 1(change Branch Fantasy ?ingdom Branch 1@P Branch 2hanmondi Branch Bangshal Branch Banani branch Amin $ourt Branch Agrabad Branch ?hatungan, Branch Hubilee road Branch

/*

 "slamic Banking Branch, Agrabad -.# Ni+am #oad Branch Naryangang Branch 5adhabdi Ba+ar Branch, Narshingdi Belkuchi Branch, !ira,gang 3aldighirpara Branch, !ylhet 5oulviba+ar Branch #a,shahi Branch Bogra Branch $o(0s Ba+ar Branch 5ohakhali Branch $omilla Branch B B #oad Branch, Narayangong Hossor Branch $handpur Branch 9a+igong Branch ?onabari Branch

/1

#.B Co$4o$%te 0%6ues

Calue the fact that customers are the member of the 2B3 family $reating an honest, open and enabling environment 9ave a strong customer focus and build relationships based on integrity, superior service and mutual benefit !trive for profit 6 sound growth Dork as a team to serve the best interest of its owners #elentless in pursuit of business innovation and improvement Calue and respect people and make decisions based on merit Base recognition and reward on performance #esponsible, trustworthy and law.abiding in all that the organi+ation does.

#.;De4%$t5e(ts of Dh%+% ,%(+ 1i5ite

"f the departmentali+ation is not fitted for the particular works there would be hapha+ard situation and the performance of a particular department would not be measured. 2haka Bank 3imited has does this work very well. 2epartments are as follows8 1. 9uman #esources 2epartment /. Financial Administration 2epartment 7. Asset -perations 2epartment

//

). $redit 2ivision =. !51 2ivision >. "nternal $ontrol 6 $ompliance 2epartment B. 5arketing 6 @roduct 2evelopment E. "mpaired Asset 5anagement F. #emittance -peration 2epartment 1*. reasury Front 11. reasury Back 1/. General "nfrastructure !ervice 17. "nformation echnology 2epartment 1). $ustomer !ervice 2elivery 1=. $ards 2ivision 1>. $all $enter 1B. $ash 5anagement 1E. !ecured #emittance department 1F. Domen 1ntrepreneur $ell /*. @ayment !ervice

#.< I(t$o uctio( of the ,%(%(i ,$%(ch

2haka Bank 3imited of Banani Branch is one of the profitable Branch of 2B3 is located at ?amal Ataturk #oad, Banani, 2haka. "t started at the year of 1st Huly,1FFB with 1) employees. Now it has 7> employees, which includes one 1C@, one !AC@, three FAC@ three AC@, two !@-, one @-, two !-, five officer, two probationary officer, seven ,unior officer, four assistant officer, four sales people, two peon, two security guard.

/7

Organgram of Banani Branch

Pe$so(%6 ,%(+i(&

C%sh

Accou(ts

Banani Branch

2e(e$%6 ,%(+i(&

C$e it

Fo$ei&( E=ch%(&e

CHAPTER ' A(%6!sis ? Fi( i(&s

/)

'.1 E.P1OYEE ACCUISITION

'.1.>1 Autho$it! of Rec$uit5e(t
Te$5s of Se$vice .%(u%6 E Hanuary /**B As per Bangladesh Bank B#@2 $ircular No.1> dated Huly /), /**7, Appointments to the services of the Bank up to the two.level below the rank of the 5anaging 2irector shall be made by the Board of 2irectors of the Bank. All other appointments shall be made by the 5anaging 2irector of the Bank as a when re'uired under the -rgan gram of the Bank duly approved by the Board. /=

'.1.>2 Rec$uit5e(tDA44oi(t5e(t"
#ecruitment and selection are some of the important inputs to healthy organi+ational activities. #ecruitment procedure commences within the bank due to turnover, promotion, retirement, new business strategy, etc. Bank0s philosophy is to retain and develop the in house talents and hire the best performers in the industry. he recruitment procedure includes "nternal Hob watch, and from e(ternal sources. !kill set, need, availability are the prere'uisite criteria for recruitment. For sustenance and growth of business the Bank will #ecruit at three levels8 No person shall be appointed to the service who is below 1E %eighteen& years of age and above 7*%thirty& years of age in respect of direct fresh recruitment. his age limit may be rela(ed for lateral entry.

1. Eu(io$ 1eve6s" %Hunior -fficer to !enior -fficer& -n need basis, whenever a vacancy arises. #ecruitment at this level will be made through a basic ,ob related written test and interview. #ecruitment at this level is made from the :2rop in Application0s that the bank receives on a regular basis or through media advertisement. 5inimum 'ualification for this level should be graduate. 2. .%(%&e5e(t T$%i(ees -n a planned basis to develop a team of young potential fresh graduates to develop them as future leaders of the bank. he numbers will be determined every year depending on the change in business, the re'uirement of people and the turnover of last year. he recruitment should ideally be done from recogni+ed educational institutions. !tudents of the Bangladesh "nstitution of Bank 5anagement and Bangladeshi nationals having foreign education and degree from reputed 4niversities may be recruited on -ral estI Aptitude est. />

1very year, recruitment of the 5anagement

rainee will be made through Hob FairsI

contacts with the appropriate academia. he selection procedure would involve assessing a person0s ability through a formal :Assessment $entre; and "nterview procedure where the candidate will be ,udged for . #. 1%te$%6 E(t$!" E=te$(%6 $ec$uit5e(t %t %(! 6eve6 Fi66 be 5% e o(6! Fhe("
I(te$(%6 successo$ is (ot %v%i6%b6e %( Do$ Tot%66! % (eF job %( Do$ A tech(ic%6 job %( Do$

his may be done by publici+ing the @osition -pening through newspaper advertisements in leading national dailies. he candidates will be selected through an in.depth $ompetency Based "nterview. "n case of need, the 5anaging 2irector can recruit such -fficers on an option of $ontractual service or temporary basis. 9ead 9unting firms may be awarded the ,ob for head hunt in some cases when no potential candidate is available for recruitment within the $C database of 9# 2ept. and e(ternal sources.

'. P$e:E546o!5e(t .e ic%6 Chec+ Fo$ %44oi(t5e(t @re.employment 5edical check.up and reference8 Before issuing appointment letterpress.employment medical e(amination and reference checks will be done. After completing all necessary procedures, the 5anagement will issue an 1mployment -ffer to the new recruits. he offer letter will state the position, starting salary, commencement date and eligible benefits. *. Fo$5 of Dec6%$%tio( 1very employee, to whom the #ules apply, shall e(ecute a declaration in the following form at the time of ,oining.

/B

:" hereby declare that " have read and understood the 9uman #esources 5anual 2haka Bank 3imited and " hereby subscribe and agree to be bound by the said #ules and any modifications and amendments thereto made from time to time. " further declare that " will faithfully, truly and to the best of my ,udgment, skill and ability, e(ecute and perform the duties re'uired of me and which will properly relate to my office or position in 2B3. " also declare that " will not communicate or allow to be communicated to any person not legally entitled thereto any information relating to the affairs of the Bank nor will " allow any such person to inspect or have access to any books or documents belonging to or in the possession of the Bank and relating to the business of the Bank. " also declare to the effect that " have not ever been convicted by a $ourt.;

'.1.># P$ob%tio( Pe$io "

1mployees appointed from Hunior -fficer to !enior -fficer 3evel shall be on probation normally for a period of > %si(& months. he probation period for the 5anagement rainees will be for 1 %one& year from the date of ,oining. 1. 2uring the probation period the new recruit0s suitability for the ,ob will be appraised. his period will also provide the new employees the opportunity to he probation period may be appreciate whether the ,ob is suitable for himIher. en'uired to review the performance of a new recruit. /. 2uring probation, the 5anagement may terminate the employment at any time without notice. !imilarly, an incumbent may terminate hisIher employment with the Bank at any time during probation on intimation in writing to the 5anagement.

e(tended if the 5anagement is of the opinion that additional training or time is

/E

he probation period in case of 5anagement rainees will be for 1/ %twelve& months. 2uring the first si( months the candidate will rotate among different functions of the bank and the ne(t si( %>& months heIshe will be stationed in a particular ,ob. After completion of probation period a thorough evaluation assessment of the competency and suitability of the 5anagement rainees in the respective department of the bank is carried out by an evaluation committee headed by 5anaging 2irector. -n the basis of evaluation the 5anagement rainees are confirmed and placed in different departments of the Bank as @rincipal -fficer.

'.1.>' Autho$it! of Co(fi$5%tio("

-n satisfactory completion of probationary period, from @rincipal -fficer %5anagement rainee& and above will be confirmed in writing by the 5anaging 2irector duly recommended by the Functional 9eads and from Hunior -fficer to !enior -fficer will be confirmed in writing by the 9ead of 9uman #esources. "n this case also, Functional 9eads will recommend the individual cases.

'.2 E.P1OYEE DE0E1OP.ENT

'.2.>1 T$%i(i(& %( Deve6o45e(t"
1. Bank0s policy is to train and develop managers at all levels so that they contribute towards the organi+ation0s growth and also enhance their own development. 2evelopment is seen as a ,oint responsibility of the individual and hisIher manager.

/F

/. raining needs will be identified and individuals during the @erformance appraisal process and the employees will be nominated to various programmed of the following types.

o "nduction %to orient the new entrant about the organi+ation& o -n the ,ob training o Function based skill training o General 5anagement raining

'.2.>2 Pe$fo$5%(ce A44$%is%6 S!ste5"

@erformance Appraisal !ystem %@A!& is the tool by which the Bank will measure the performance of an individual and identify the gaps and plan future developments in order to enable a better fit between the ,obs 6 the incumbent. "t is an 9# process for driving business results. "t is defining in advance what we must do as an individual to win in the marketplace and later on assessing the performance based on the e(tent to which we achieve results.

@erformance Appraisal !ystem is fully structured to measureI asses the competency of any employee. GoalsI ?ey #esult Areas %?#A& are the specific

ma,or ob,ectives to be set at the beginning of the year through consultation with the reporting manager. hese need to be aligned to the ob,ectives of the function and conse'uently to overall ob,ectives of the Bank.

A management competency is a skill, ability or trait that predicts success to perform a ,ob. he @erformance Appraisal needs to be implemented as per the @A! format which will be circulated by 9# at the beginning of the year. @erformance appraisal are given below for reference8 7* he definitions of rating in

1. G 7Outst%( i(&8 he individual who has e(ceeded 1/=J and above of his target in all of his key result areas is eligible for rating 1 .

/. Q 70e$! 2oo 8 he individuals who has e(ceeded 1*=J . 11*Jof his target in all of his key result areas is eligible for rating /.

7. Q 72oo 8 he individual who has achieved F*J.1**J of his target in all of his key result areas is eligible for rating 7. re'uirement of day to day ,ob. he employee achieved the essential

). G 7I54$ove5e(t Nee e 8 who are rated .).

he individual failed to perform within the set

ob,ective. 9# dept. will organi+e a counseling session with the employee those

=. G 7U(%cce4t%b6e8 he individual who has failed to demonstrate his performance in all of his key result areas to be rated = and heIshe will be treated as non performer will e(it from the Bank sub,ect to decision by the 5anagement. 9eIshe also have a counseling session with the 9uman #esources 2epartment.

hose who are rated 1 to 7 are eligible for incentive bonus. "f any appraise feels that hisIher @erformance Appraisal by the line 5anagerIsupervisor is influenced by discrimination or unfair and biased ,udgment, the appraise may appeal to 9ead of 9# with hisIher grievance in writing. "n such cases 9ead of 9# will be the first point of contact. "f the issue remain unresolved than it will be referred to the 5anaging 2irector for his review and decision and in that case the decision of 5anaging 2irector will be final.

71

'.# CO.PENSATION ? ,ENEFITS

'.#.>1 S%6%$ies"
1. !alaries are confidential between the employees concerned and the 5anagement. 7. 1mployees ,oining against a post will be receiving the salary as per the ,ob level they ,oin in. he employees who are on probation will be eligible to ,oin the @F only after their confirmation. 5anagement rainee alone will receive a monthly consolidated salary during the probation period.

7/

). !alary increase which is linked with the performance of the individual employee per calendar year takes effect from 1st 5arch of each year.

=.

he annual salary revision is decided by the 5anaging 2irector with approval of the Board of 2irectors based on8

a. "ndividual @erformance b. 5arket movement erms of !ervice 5anual 11 Hanuary /**= c. he Bank0s affordability d. "ndividual0s relative position in a particular salary range e. $-3A %$ost of living ad,ustment& Any re'uest for information relating to salary should be directed to the 9uman #esources 2epartment by appropriate authority.

I(co5e T%=
RS @ayment of "ncome a( is payable by the employee. RS Dhile deducting ta( at source, it is the responsibility of the individual 5ember to comply with the current "ncome a( #egulations in respect of filing hisIher individual returns of income. R SFor guidance in respect of "ncome 2epartment at the 9ead -ffice. a(, reference may be made to the Finance

77

RS A $ertificate is issued at the end of each ta( year stating the amount of "ncome a( deducted from an employee0s income and paid to the Government during that year.

'.#.>2 P$o5otio(%6 ,e(efits"

1. "n the event of @romotionI4p. gradation to a higher Hob 3evel, the employee will receive an increase of minimum 1*J over hisIher previous basic salary and all other allowances applicable in the higher level. 9owever, the promote will receive the minimum range of the level where heIshe has been promoted. /. "n case the revised basic salary still remains below the starting scale of the new Hob 3evel, the employee is then given the differential needed to place himIher at the starting basic salary of the new Hob 3evel.

'.#.# I(c$e5e(ts"
!alary increases are awarded once a year on the basis of increment policy to all regular employees who have performed satisfactorily in the given year for minimum period of %1E*& days of confirmed service. he employees who completed a minimum of 7 %three& months0 confirmed service will also be appraisedIreviewed for the yearT however no rating will be awarded to those. -ne may not receive any increment on a given year as a penalty on account of any offenceIdisciplinary measure. he confirmed employee who is in service with the Bank less than %1E*& days may be given the $-3A portion, which is determined by rate of inflation and $@" %$onsumer price "nde(& during that financial

7)

year. he $-3A portion of increment will be decided by 5anagement of the Bank in each year. "ncrements are awarded to the employees as per #ating of the Annual @erformance Appraisal at variable percentage of their e(isting respective basic salary including $-3A portion. $ola portion will be ma(imum >J of Basic !alary, to be fi(ed every year on the basis of $onsumer @rice "nde( %$@"& and "nflation.

S4eci%6 I(c$e5e(t"
5anaging 2irector can award a merit increase to any employee, e(cepting two levels below the 5anaging 2irector depending on their e(ceptional performance as per "ncrement @olicy. he 5anaging 2irector is empowered to allow merit increase N /J more too any employee falling under each level of Hunior -fficer to !enior @rincipal -fficer considering the sir @erformance Appraisal.

'.#.' I(te$i5 S%6%$! RevieFD A just5e(t"

5anaging 2irector at his discretion can reviseIad,ust the salary package of employees e(cept two levels below of his designation for any special or e(traordinary case in any time of the year.

'.#.' P$o5otio("

7=

@romotion depends on the availability of a position in the higher level and a proven track record of an individual0s capabilities of taking over higher responsibilities. @romotion may also take place if the ,ob si+e increased and the 5anagement committee decides to up grade the ,ob.

@romotion to the rank of two levels below of 5anaging 2irector lies with the Board of 2irectors of the Bank. All promotions, other than the above, have to be recommended by the functional heads and shall be approved by the 5anaging 2irector. A minimum service of two %/& years in a similar position is the prere'uisite for promotion, but for any e(ceptional case the promotion may be awarded at the full discretion of the 5anaging 2irector. 5anaging 2irector at his discretion will review the recommendation for promotion and promote those whom he feels deem fit and deserving. @romote those whom he feels deem fit and deserving.

'.#.*. ,o(us"
E(tit6e5e(t of ,o(us !ub,ect to other provisions of the 9uman #esources 5anual guidelines declared by the 5anagement from time to time Bonus shall only be payable to the employees who would, at the time of declaration of Bonus, be in the service of the Bank and entitled to the same at that time.

Festiv%6 ,o(us he following 1mployees normally to receive festival bonus as under 1mployment $ategory @ayment !ystem8

7>

1. All regular -fficers and !taff including 5anaging 2irector8 -ne month0s basic pay both in 1id.ul.Fitre 6 1id. ul.A+ha. /. All regular -fficers and !taff %non.5uslim&8 -ne month0s basic pay both in 1id.ul. Fitre 6 1id. ul.A+ha or two months0 basic pay at the time of the main festival with the approval of the management. 7. -fficers on 9# $ontract i.e. !ales eam, $ompany !ecretary, $onsultant and others8 As per contractI=*J of monthly consolidated pay =. -fficersIemployees on probation or who have not completed si(%>& month0s service8 =*J of basic or =*J of consolidated pay. >. 1(ecutives0 personal 2riversIoutsourced employeesIworkers8 5onthly consolidated wages -fficers and employees under any disciplinary action will not receive any festival bonus.

Pe$fo$5%(ce ,o(us he Bank may award performance bonus from time to time depending on the actual profit made in a given year. his bonus is sub,ect to payment only upon Board approval. his bonus will only be awarded to those who have completed 1E* days0 %one hundred and eighty&0 confirmed service with the Bank and made significant contribution towards achieving the profit target over and above the normal target. measurement will be coming from the @erformance Appraisal !ystem. he contribution he employees

who are rated four %)& in the appraisal process are not eligible for @erformance Bonus. "n years when the Bank does not declare any dividends no performance bonus will be awarded. his is in compliance with Bangladesh Bank #egulations.

7B

'.#./ 1EA0E"
he following categories of leave are given to all employees of 2B3. 1. Annual 3eaveI@rivilege 3eave /. !ick 3eave 7. 5aternity 3eave ). 1(tra ordinary 3eave

A((u%6 6e%ve"
1. :Annual 3eave; means any working day0s leave taken by a permanent employee. /. 1very employee shall earn AnnualI@rivilege leave with full pay after completion of one year service. he entitlement of ma(imum annual 3eave is /E % wenty eight& days in a working days. AnnualI@rivilege leave will be accumulated up to ma(imum ninety %F*& days and leave accumulated more than Ninety %F*& days will be lapsed. 7. 1very employee shall have to avail at least 1= %fifteen& days privilege leave every year. Any e(tension of leave will be at the discretion of competent authority.

). Annual leave entitlement is based on a current year calculations from Hanuary 1 to 2ecember 71 each year. Bank 5anagement encourages staff to en,oy and avail leave, as such, all 2eptI4nit 9eads will be re'uired to prepare a leave roster for hisIher total employees by of Hanuary /* every year and submit the same to 9uman #esources 2epartment. "t is responsibility of the respective 2eptI4nit 9eads to ensure that the staff within his unit en,oys leave as per leave roster throughout the year.

7E

=. An employee ,oining the Bank will be entitled to pro.rata leave based on the ,oining date of first year. >. An employee who leaves the Bank will be entitled to leave encashment calculated on a pro.rata basis for the current year or ma(imum of %F*& days. B. 3eaves of the 2epartmentalI2ivisional 9eads will be sanctioned by the 2eputy 5anaging 2irectorI5anaging 2irector and leaves of !ales and !ervice 5anagers will be sanctioned by the 9ead of $onsumer Banking and leaves of the other employees will be sanctioned by the respective 2epartmental 9eads. 9uman #esources 2epartment, 9ead -ffice will process the leave applications and maintain the leave accounts of the 2epartmentalI2ivisional 9eadsI!ales and !ervice 5anagers and all 9ead -ffice employees for sanction of leave while the same for the other employees of a 2epartmentI2ivisionI Branch will be approved by the respective 2epartmentalI2ivisional 9eadsI!ales and !ervice 5anagers. Any employee applying leave for traveling abroad will re'uire prior approval from 2eputy 5anaging 2irectorI5anaging 2irector. E. 3eave cannot be claimed as a matter of right, and leave admissible under these rules may be granted by the management who may refuse leave, grant leave for a shorter period than applied for, revoke leave of any description and recall an employee before the e(piry of his leave due to emergency of official work.

F. All employees shall resume duties on the e(piry of leave as initially granted or as subse'uently curtailed or e(tended. "f the leave needs to be e(tended, it has to be notified in writing to the concerned 2ept. 9eads with a copy to 9ead of 9#2, 9-. 1*. An employee who was granted leave on medical ground shall not return to duty without first producing a certificate of fitness from an acceptable medical authority. @rovided that no such certificate shall be necessary if the leave was for 7 days or less.

7F

The 1e%ve A446ic%tio( Fo$5 is %tt%che %s A44e( i= HII1 2haka Bank 3imited 9uman #esources 2epartment 9ead -ffice, 2haka A446ic%tio( Fo$5 fo$ A((u%6 1e%ve %( Sic+ 1e%ve ID I JJJJJJJJJJNA.E" JJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJ

DESI2NATION" JJJJJJJJJJJJJJJJJJJJJJJEOININ2 DATE" JJJJJJJJJJJJ DEPTT. D ,R." JJJJJJJJJJJJJJJJJJJ1OCATION" JJJJJJJJJJJJJJJJ

o be filled in by 9uman #esources 2epartment

3eave 1ntitlement for 8 the Oear /**B

Annual 3eave /E working days

!ick 3eave 1) days

3eave Availed o 2ate Net 3eave Available 1e%ve A446ie fo$

8 8

Annual 3eave8 UUUUUUU days Annual 3eave UUUUUUUUdays "

!ick 3eaveUUUUUU days !ick 3eave UUUUU days S1 JJJJJ %!s S1 >> %!s

A((u%6 1e%ve JJJJJJJJJJ %!s A((u%6 1e%ve JJJJJJJJJJJ %!s

,%6%(ce 1e%ve Av%i6%b6e %s o( " #1.12.>/

)*

P$o4ose 1e%ve D%tes

"

F$o5 JJJJJJJJJJJJJJJJ

To JJJJJJJJJ

Pu$4ose of 1e%ve" JJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJ JJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJ P$o4ose 1e%ve A $ess " JJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJ JJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJ A446ic%(tAs si&(%tu$e" JJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJ U(it He% DA44$ovi(& .%(%&e$" JJJJJJJJJJJJJJJJJJJJJJJJ Dist$ibutio(" A446ic%(t U(it Fi6e HR3 HO D%te" JJJJJJJJJJJJJ D%te"JJJJJJJJJJJJJ

SICK 1EA0E 7No( Acc$u%b6e8

!ick leave will be given on the basis of actual need of staying away from work due to illness. his shall however, not e(ceed 1) days in a calendar year. 1. Dhen applying for !ick 3eave, an employee must apply on a 3eave Application Form, through proper channel. Application for !ick 3eave for more than 7 %three& days must be accompanied by a medical report and prescription from hisIher attending physician.

)1

/. "n case of serious illness, the concerned 2epartment 9ead must maintain regular contact by briefing hisIher condition to 9#2, 9- until heIshe has returned to duty with 9#2, 9-. 7. A prolonged sick leave other than the admissible ones will be ad,usted from accumulated leave which can be a ma(imum of 1E* days without pay

.ATERNITY 1EA0E" 7No( Acc$u%b6e8 1. -nly the confirmed female employee will en,oy maternity leave for )= %forty five& days immediately proceeding and )= %forty five& days following the date of delivery& with admissible benefits. his leave will not be debited from her leave account. A certificate from a doctor will be re'uired at the time of applying maternity leave stating the e(pected date of delivery. / he e(tensionIcontinuation of maternity leave for more than 1%one& month may be

grantedIallowed by the 2eputy 5anaging 2irectorI 5anaging 2irector on submission of medical certificate with full pay. he e(tensionIcontinuation of leave will be treated as 3eave without @ay if she does not have sufficient leave balance in her account. 7 he employee with less than si( %>& month0s of service with the Bank may en,oy

maternity leave at the discretion of 2eputy 5anaging 2irectorI5anaging 2irector, but in that case her leave will be treated as leave without pay. ) his leave shall, however, be allowed only twice in the entire period of service.

ELTRAORDINARY 1EA0E" 1(tra -rdinary 3eave can only be granted to an employee on an emergency case when no other leave is available to himIher leave account. he duration of e(traordinary leave )/

shall be so regulated that the period of total leave including all other leave does not e(ceed the ma(imum F* days. 5anaging 2irector at his discretion can approve the e(traordinary leave up to 1E* days without pay. his will be given only once during the entire tenure of service with the Bank. 1mployees who have completed minimum five %=& years of continuous service with the Bank are only eligible for this leave. No pay, allowances and other benefits shall be admissible during the period of e(traordinary leave unless otherwise decided by the Board. he period spent on e(traordinary leave %unless otherwise decided by the Board& shall not be counted towards active service and increments.

1EA0E FARE ASSISTANCE" 3eave Fare Assistance %3FA& as per level shall be allowed to an employee once in a year when heIshe will be proceeding on annual leave. o encase 3FA one has to avail a minimum of > %si(& days leave at the time of application for 3FA. @roportionate amount will be deducted in the event of an employee leaves the Bank after availing the 3FA. he 5anaging 2irectorI2eputy 5anaging 2irector may allow disbursement of the same to an employee without any leave, if such leave could not be allowed to an employee in the greater interest of the bank, and at any time heIshe may post.avail that sanctioned leave before 5arch ne(t year. HR Co546i%(ce 1e%ve" All employees should avail a minimum of 1= days leave in a calendar year to ensure compliance with the 9# policy, while availing leave an employee should en,oy minimum =%five& days leave at a time. Any employee availing leave is not allowed to attend office during leave period unless heIshe is called for any urgent Iemergency work by hisIher line 5anager. E(c%sh5e(t f%ci6ities of %((u%6D4$ivi6e&e 6e%ve"

)7

AnnualI@rivilege leave encashment facilities may be allowed to the employees for a ma(imum of F* days at the time of hisIher leaving the Bank other than dismissal. Dhile allowing the facilities, the last basic pay, house allowanceIceiling and medical allowance will be taken into consideration. he 5anagement may withdraw this benefit at any time on receiving approval from the Board.

'.#.B FURNITURE ? ECUIP.ENT A11O@ANCE"

As per e(isting rules, the Furniture and 1'uipment Allowance of the 5anaging 2irector and the 2eputy 5anaging 2irector are determined by the Board of 2irectors. Furniture and e'uipment allowance is given only to employees belonging to the !enior 1(ecutive Cice @resident, 1(ecutive Cice @resident, !enior Cice @resident and Cice @resident 3evels as per following8 Desi&(%tio(" E(tit6e5e(ts" !enior 1(ecutive Cice @resident k8 7, **.***.** 1(ecutive Cice @resident k8 /, **,***.** !enior Cice @resident k8 1, =*,***.** Cice @resident k8 1, **,***.** his entire amount will be paid for a period of five %=& years which will be amorti+ed using standard average method of calculation. "n case of separation from the services of the Bank, the outstanding amount, if any, will be ad,usted from hisIher 1nd.!ervice Benefits !ettlements. Te6e4ho(e" Allowance for elephone which is a part of monthly salary package is given below8

))

Desi&(%tio(" .o(th6! A66oF%(ces" !enior 1(ecutive Cice @resident ?. 7,***.** 1(ecutive Cice @resident ?. 7,***.** !enior Cice @resident ?8 /,***.** Cice @resident ?. 1,***.** !enior Assistant Cice @resident ?. E**.** First Assistant Cice @resident ?. E**.** Assistant Cice @resident ?. E**.** #eimbursement will be made for residential phone and for local calls and other associated charges. he 5anaging 2irector has the discretion to approve the 5obile @hone bill to any employee for functional reasons.

'.#.; .EDICA1 FACI1ITIES"

All regular employees of the Bank are entitled to 9ospitali+ation bills and 5aternity charges in the following manner8 Hos4it%6i)%tio( Rei5bu$se5e(t a. he above facility will be limited only to the confirmed employees and hisIher immediate family members which include wifeIhusband and dependent sons and

)=

daughters only. $hildren attaining 1E years of age or on getting married, whichever is earlier, will not be entitled to reimbursement of the cost of medical treatment. b. For hospitali+ationIsurgical treatment, the Bank will reimburse two %/& basic salaries for selfIspouseIchildren up to the age of 1E years which may be e(hausted in two cases of hospitali+ationIsurgical treatment and diagnostic purpose during a year. c. he claim of hospitali+ation bills must be supported by original bills of reputed

hospitalIclinic in Bangladesh or overseas acceptable to the Bank, along with their admissionIdischarge certificate, cost of medicines and various medical e(aminations, if any. he claim should be submitted within 1 %one& month from the date of discharge. d. @rior approval from the 9uman #esources 2epartment through respective 2epartmentalI2ivisional 9eadsI4nit 9eads and !ales 6 !ervice 5anagers must be obtained before being hospitali+ed other than e(treme and emergent circumstances. e. he respective 4nit 9eads will verify and scrutini+e all relevant papers before

recommending the bill for 9ead -ffice approval. -nly on being satisfied by the 4nit 9eads regarding the authenticity and genuineness of the bill, the same shall be forwarded to the 9ead of 9uman #esources along with e(plicit recommendation for approval. "t is the absolute responsibility of the recommending officer%s& to verify the genuineness of

the bills. Any falsification of vouchersItruth shall cause disciplinary action of any nature as deemed fit by the management. .%te$(it! 5aternity bills are reimbursable sub,ect to a ma(imum of two months0 basic pay for / %two& children. his facility is admissible for two children during the tenure of services of an employee at 2B3.

)>

ELPENSES NOT C1AI.A,1E" he 5anagement will not reimburse the following e(penses8 . 2ental treatment . he supply of spectacle . $hildbirth e(penses in e(cess of a total of two children . $hildren e(ceeding 1E years of age . $ircumcision

.EDICA1 ELPENSES C1AI. FOR. APPENDIL:11

2haka Bank 3imited 9uman #esource 2epartment 9ospitali+ation I 5aternity 1(penses $laim Form
"2 No Name of employee8 Branch8 Grade8 Annual 1ntitlement8 k. 2epartment8 2esignation8 Basic !alary8 k. otal claim received in current year8 $A!A Account Number8

k.

Det%i6s of P%tie(t"
Fu66 N%5e of P%tie(t Re6%tio(shi4 Fith e546o!ee D%te of bi$th %if children&

1. /. 7. ).

)B

P6e%se st%te et%i6s of Sic+(ess"

@lease state whether youIthe patient were in hospital8 O1! N"f :O1!;, please state dates of hospitali+ation Admitted8 2ischarged8

%Attach copy of discharge certificateT claim should be submitted to 9#2 within 1 month of discharge date&

Det%i6s of E=4e(ses %All Bills, #eceipts, "nvoices relative to this claim should be
attached in original with this form& N%tu$e of E=4e(se C6%i5e 7T+8 $onsultation Fee 9ospital charges 3aboratory charges 5edicine UUUUUUUUUUUUUUUUUU !ignature of claimant #ecommended by 2ate8 %9-2 I !!5& A5ou(t Tot%6 c6%i5e %5ou(t A44$ove %5ou(t %for office use&

)E

Approved by %9#2&

'.#.< REI.,URSE.ENTS"
All reimbursement re'uests, other than those specified, will need to be forwarded to 9#2 at 9- after recommendation by the respective Function 9ead. he reimbursement has to be claimed by using the #eimbursement $laim Form. his has to be supported by billsI adviceImemo etc. All reimbursements will be made once a month with the monthly payments.

erms of !ervice 5anual )F Hanuary /**= 9#2 File A@@1N2"M "C 24 $9UBANG3A BAN? 3"5" 12 #eimbursement $laim Form
NA518 UUUUUUUUUUUUUUUUUUUUUUUUU F4N$ "-NIB#.UUUUUUUUUUUUUUUUU 2ays8 #eason #ate8 otal 2ate reason rate total

A@@#-C12 BO8UUUUUUUUUUUUUUUUUUUUUUUUU otal k.UUUUUUUUUUUUUUUUUUU )F

'.#.< RETIRE.ENTDTER.INA1 ,ENEFITS"

P$ovi e(t fu( " 1. 5embers on confirmation, in regular employment with the Bank, are re'uired to ,oin the @rovident Fund to which members contribute 1*J of their Basic !alaries and the Bank makes a matching contribution. /. 1mployees will be entitled to the Bank0s contribution of @rovident Fund after = %Five& years0 continuous services with the Bank e(cluding the period of probation, Apprenticeship etc.

7. An employee who is dismissed from the Bank0s service will get only the own contribution of his @rovident Fund. A 5issibi6it! %( cove$%&e" he admissibility and coverage of the @rovident fund #ules will be as per the #ules framed and approved by the BoardIBoard of rustees. 2$%tuit!" he Bank shall create a gratuity fund every year for ade'uate amount re'uired for the purpose.

1. 5anaging 2irector and 2eputy 5anaging 2irector would be eligible to receive Gratuity after completion of = years of service with the Bank.

=*

/. 5embers become eligible to receive Gratuity on completion of 1* years of continuous confirmed services with the Bank. 7. Gratuity is paid to members on their last drawn basic salary time0s numbers of completed years of service with the Bank or part thereof in e(cess of si( months. ). he Gratuity will be paid to members leaving the Bank for reasons other than

misconduct.

'.#.1> SUPERANNUATION FUND SCHE.E"

For the ceiling of different level please contact 9# dept. Admissible Benefits under !uperannuation Fund !cheme

De%th ,e(efits" 1**J in the event of death of an employee during the tenure of service, prior to retirementI separation, which will be payable to hisIher nominee andIor heirs.

Su$viv%6 ,e(efits" a& he following benefits as admissibleIapplicable will be payable to a permanent employee of the bank up to the age of =E who becomes physically incapacitated during hisIher service with the Bank. . 1**J of the admissible amount for damage of both hands and both legs or both eyes. . =*J of the admissible amount for damage of one hand or one leg or one eye. . =*J of the admissible amount for disability to work for damage of any limbs of the body due to heart attack or any other severe diseases.

=1

b& 5anaging 2irector and 2eputy 5anaging 2irector are entitled 1**J of the amount after completion of = years of service. c& /=J of the admissible amount on retirement or resignation after completion of 1= years of service with the Bank. d& /*J of the admissible amount on retirement or resignation after completion of 1* years of service with the Bank. e& 1=J of the admissible amount on retirement or resignation after completion of E years of service with the Bank. f& 1*J on completion of = years of service with the Bank.

Cove$%&e" All employees of the Bank shall be covered by !uperannuation !cheme. Any change, modification or alteration will be made by the Board of 2irectors from time to time. I(% 5issib6e ,e(efit" Suici e "n the case of death by committing suicide by an employee no such benefit shall be admissible. "n case of self. inflected casualty, same rule will apply. 1. he presentation of the gift will usually be made at an appropriate place and time.

=/

'.#.11 1ON2 SER0ICE A@ARDS"

!uitable presentation of 3ong !ervice Awards will be made to the members on completion 1= %fifteen& years of continuous service with the Bank. he gift amount will not e(ceed k./=,***I. unless revised by the Board. An employee will be entitled for a long service award who has a record of clean service with no allegation or charges of misconduct

CHAPTER * CONC1USION ? RECO..ENDATION

=7

*.1 Co(c6usio(
2haka Bank 3imited which had been started its ,ourney first at 1FF= with the commitment of :1(cellence in Banking; still now it is trying to fulfill its commitment. By providing its ma(imum its services to its customers it is has been regarded a profitable business organi+ation now. Now a day it has twenty branches in various places of the country. hey are also trying to increases its number of branches now. he Bank

2haka Bank 3imited %2B3& deals with customers of all classes, ages, etc.

provides ma(imum services with minimum time. he bank0s integrated technical services make the customer0s life easier. 2ay by day 2B3 is increasing its services by adding different banking softwareT as a result the bank is now capable to give the services of

=)

international standards to its potential customers.

hese services make 2haka Bank

3imited %2B3& uni'ue in the banking Business in the private sector of Bangladesh. A system of 9uman #esource 5anagement within the 2haka Bank is re'uired to increase the organi+ation0s performance and growth. !o it is important to practice the 9uman #esource 5anagement in the organi+ation and create a good working environment for the employees. $ompanies operating in Bangladesh were found to practice 9uman #esource 5anagement in a limited area. But even in similar types of organi+ations, striking variations were observed in terms of 9uman #esource practice. -ur study recommended that more study should be carried out on this field to draw a proper scenario of 9#5 practice in Bangladesh. "t will help us to address the ma,or problems and find out the solutions also.

*.2 Reco55e( %tio("

he study has analy+ed activities, policies of 9uman #esource 2epartment of 2B3 in the report. he study shows that !"B3 has established a 9#2 in the organi+ation and operating it following its policy. Now days, fast growing organi+ations in Bangladesh are paying more attention to 9#2. But, there is less 'ualified and innovative people are working in the department. Also, op level management hardly considers 9#2 is one of crucial department for organi+ation. his may be one of the causes for poor condition of 9#2 in many enterprises. here are some recommendations are given below8

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 Need to e(tend branch network and new branch to be opened in other cities and towns of Bangladesh to reach out the potential customers. Ade'uate measure to be taken to reduce system failure. "nterpersonal relationship needs to be built among the employees and superiors "mproved customer service and conse'uently get satisfactory operational result. @roper training and technology savvy minimi+ed risk at the root level. A complaint book for the employees, because each and every complaint from the customer has been received and complaint from the employees overlooked.

ACRONO.YS
D,1" 2haka Bank 3imited A .T.." Automated eller 5achine D.D" 2emand 2raft ..T" 5il ransfer T.T" elegraphic ransfer PO" @ay -rder STD" !hort erm 2eposit FDR" Fi(ed 2eposit S.C" !hort $ollection =>

P?T" @ostage 6 elegram FC ADC" Foreign $urrency Account FCC" foreign $orrespondent $harges ,2" Bank Guarantee 1DC" 3etter of $redit SI" !tanding "nstruction ICM "ncident $harge EC" 1rror corrected ED" 1(cise 2uty RTN" $hecks #eturn INTT" "nterest C12" $learing CSH" $ash CO." $ommission @ES" Dage 1arners !cheme DPS" 2eposit @ension !cheme FDR" Fi(ed 2eposit #eceipt

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,oo+s" 2avid A. 2e $en+o and !tephen @. #obbins, 9uman #esource 5anagement, =th edition, Hhon Diley 6 !ons "nc. New Oork Gary 2essler, 9uman #esource 5anagement, Bth edition, @rentice 9all "nternational, "nc. New Oork

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Hhon 5. "vancevich, 9uman #esource 5anagement, Eth edition, 5cGraw9ill, Boston Dayne F. $ascio, 5anaging 9uman #esources, si(th edition. @eter #ose, $ommercial Bank 5anagement, =th edition

Re4o$ts" 2haka Bank 3imited, Annual #eport /*1* @revious "nternship #eport I(te$(et" www.dhakabankltd.com

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