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Week 1 (14th September to 18th September, 2014): The first day of that week was basically

the introductory part. My supervisor introduced me with his team members and they
welcomed me with their team. From the first day I have come to know that this bank
basically have three departments and they are General Banking, Credit & Clearing and Cash
Counter.
The officers of this department were very helpful and gave me some ideas about the activities
of this department. This department is responsible for opening of the bank accounts (Current
accounts, saving accounts etc.), provide pay orders to the customer according to their needs,
collect the cheques, providing cheque books to the customers, keep necessary records of the
transactions, receive the letters of the other departments and keep documents of each letters,
providing debit cards, foreign remittance service etc.
While working in this department, I have learned a lot about the customer services. I have
learned that this bank has an aim to provide the customers the best and the fast services. The
officials of this bank do not like to keep customer wait. One of the Senior Executive guided
me how to update form such as Savings accounts, current accounts, FDR etc and how to give
seal on the required place. After getting her guidance I have updated lots of forms and sealed
them. Its a regular task that I have to do in almost every day and I have done this task on the
whole week. My working days are five days which is Sunday to Thursday.

Week 2 (21st September to 25th September): The major task of General Banking is opening
the bank accounts. They provide account opening forms for the different types of accounts.
To open a savings and other accounts, it requires 2 copies of passport size photo of the
account holder and one copy of passport size photo of the nominee. The photocopy of the
National ID of both account holders and nominees is required during opening the accounts. In
the case of current account, if the account is for a company, it is required to provide the
photocopy of the trade license of the company. SEB provide some other deposit schemes
such as FDR (Fixed Deposit Receipt), MSS (Monthly savings skim), PSS (Pension saving
skim), etc.
SMS and Internet banking service: SEB also provide SMS and Internet Banking service.
To get this service, customers need to fill a form and provide their account number, mail
address and the contact number. After fulfilling all requirements the General Banking

Department send the information to the head office. Then the customer gets a confirmation
through text message or mail.

Week 3 (28th September to 2nd October):


Foreign remittance: I learn about the foreign remittance service this week. Customer can get
the remittance through cash. To get this service a customer need to provide photocopy of his
or her National ID or passport and need to provide the name and contact number of the
sender. After checking all the documents by the GB (General Banking) officer, he provides a
voucher to the customer and customer receive cash from the cash counter by showing that
voucher. SEB have Western union, Moneygram, Transfast, RIA and Express money etc. The
receiver needs to come physically at the bank to receive the money unless it wouldnt be
given. To identify the area, the PIN number has been checked. Moneygram contains 8 digits,
western union contains 10 digits and express money contains 16 digits.

Week 4 (12th October to 16th October):


ATM Card Service: SEB have ATM Card Service. ATM means Automatic Teller Machine. It
is actually a debit card. If any customer has sufficient balance in his account then he can
withdraw money from this machine any time any day. This branch of this does not have ATM
booth but have 20 booths of other banks from where the customer can receive the money. The
procedure of this system is the customer has to fill the application form and then after it is
sent the Head Office. From head office a card is issued with a very confidential passward that
even the banker does not know. For this Tk.575 is debited from the customers account per
year. First year free for the newly open card. The customer inserts the card to the machine and
gives the pass ward then he can do his activities. It is a 24 hours service system. After giving
the card, a form is filled up where the customer signed and after that this document send to
the head office & a photocopy kept in a file a proof. As well as after getting the ATM card, it
has been recorded in a hand written Khata.
Week 5 (19th October to 23rd October):
Check posting actives are shown by the junior officers where I get to know how to entry the
check and give it to the customer. When an account open such as savings, CD etc, there is a
check recognition slip attach with the form for the check where the slip numbers are
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mentioned in a written form considering the customer demand. Normally, SB contains 20


pages and CD contains 50 pages. Generally, after 5 working days checks are receipt from the
head office through the messengers. After getting the checks the A/C no, name of the
customer etc information are kept in a file and when the customer comes he or she gets the
check by telling the A/C no & need to sign as a proof that he or she gets the check. Normally,
checks got 2 seal and one officer sign with the date of the check receipt and entry. There is a
locker where all the checks are kept on serial basis.

Week 6 (26th October to 30th October, 2014): As Im in general banking department,


normally I have to update the various kind of form and prepared them to send them for file in.
Besides, I have to do other things and I get to learn new things when I do them.
Transaction Profile Entry: This week I get to learn how to update or entry transaction
profile in short which is called TP. At first, we need to login form a specific site. For that a
given password is need to give. After that, selective path need to provide and when the screen
appeared, we need to provide the account number. In this way, we can see the A/C
information. Under the transaction profile section, necessary information which is written in
the form by asking customer requirements is given in the selective area. Normally, four or
five areas are there. In this way, we can entry the TP. There is an edit option too.
Here, are the sections normally used to update the TP:
Sl No

Name

Cash Deposits

Deposits by Transfer

Deposits by Foreign Remittance

Cash Withdrawal

Payment by Transfer

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Week 7 (2nd November to 6th November):


Scan form: This week I got to learn how to scan the form. The forms of the scheme dont
need to scan. Schemes are PSS, MSS, MGDS, MDS etc. Forms are scan generally to verify
the customer signature. This is very important for ATM Card service.
At first, we need to open the Ultimus and then a selected path need to type. After that
Customer ID need to provide. When the information appeared, scan card option require to
choose. After doing this, the form needs to insert in the scan machine and then scan button
will be pressed. From the appeared window, card area is going to be selected. Then it will be
attached with the account and after pressing the ok button the task will be done. For the joint
account, this task needs to be done more than one. For an example, if the account has two
persons then it will be done twice. After that it needs to be authorized from a non-authorized
path. Then the form will go for file in. Types of scan forms are:
No.

Title

01

Saving Accounts

02

Current Accounts

03

FDR (Fixed Deposits Receipt)

04

SND (Special Notice Deposits)

Week 8 (9th November to 13th November):


Voucher sorting: Though Im working in GB department, sometimes I get chance to work in
clearing department too. This week I get the opportunity to know how to arrange voucher.
Vouchers are arranged on the basis of three section and they are General, Online and Client.

General: It has two part and they are debit and credit. Pay-order normally goes
to the credit side. Other parts are expenditure, income etc. Liability counted as
other option.
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Online: Remittance such as RIA, Money Gram, Express Money, Western


Union, Al-Ansari, SFSA etc are counted as a debit part in this section. Bill
such as Wasa bill, Desco etc counted as credit term. Visa and student payment
(NSU, Brac University) is going to the credit part also. The cheques from
other branch are counted as debit voucher and deposit slip from other branch

counted as credit voucher.


Client: Check and Deposit slip of this bank are counted in this section. Check
recognition is taking as debit voucher and listed to the others voucher part.

Week 9 (16th November to 20th November, 2014):


Remittance payment on cash counter: This week I get to learn how to pay remittance. At
first from a fix path, branch name has been selected. After that the amount of money in taka
and narration has been given. After giving all the necessary information, two sign of the
customer has been taken on the office copy and payment has been given with the customer
copy. Cash paid seal and posted seal for batch no. has been given on the paper.
Receiving bill on cash counter: I got to learn how to receive bill on the cash counter. There
is two parts on the bill paper. One is customer copy and the other is office copy. Cash
received seal has been given on those papers. From the PC, a fixed path has been chosen and
information like customer code, month, place, type etc has been given.
Voucher sorting on GB: To do this, normally, the print out of the whole one day transaction
copy has been taken. Only the transfer transaction gets ticked with a red pen. If there is any
CSH (Cash) transaction on the paper, it gets cross ticked. After that each of the pages gets
bank seal which is called round seal and then it goes to the voucher box. This task has been
done at the end of the day, normally after when the bank has been done with all the
transactions.
Week 10 (23rd November to 27th November):
Remittance payment process from GB (RIA): This week I get to learn the remittance
payment process from GB. At first customer need to fill up a form and after that he or she
needs to submit it to the GB. If the customer doesnt have any account in the branch, he or
she needs to submit NID (National ID Card) or Passports photocopy. Need to provide all the
necessary information from a fixed path to the office PC. PIN no. is the most important part
of the information. There is a fixed site and a specific password for the RIA payment.
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Prize bond buy and sale (Cash counter): One piece of prize bond is equal to 100 taka.
Buying and selling process is quite same and the path is also same for prize bond. Necessary
information such as code, amount, narration etc needs to give. Credit is selected for selling
process and debit is selected for buying process.
Voucher sorting on Clearing: To do this, one day transaction and the other documents such
as cheque, deposit slips etc have been taken. On the one day transaction profile, the accounts
number (sometimes with the A/C holder name) and amount of money have been marked.
After that each of the pages gets three round seal and send to the voucher box after get signed
by the officer. This task has been done at the end of the day, normally after when the bank has
been done with all the transactions.

Week 11 (30th November to 4th December):


Receiving VISA (Credit card) payment on cash counter: This bank has debit card as well
as credit card facility. Debit card is only use to borrow money from the ATM booth. Credit
card can be used to take money as well as for shopping purpose. Customer gives money with
a fill up form for credit card payment. There is three parts in the form. One is customer copy
and the other two of them are office copy. From a fixed path of the PC, necessary information
like card no, amount etc has been given. Cash received seal has been given on the paper.
Voucher sorting on cash counter: To do this one day transaction of cash and other
documents such as bill papers, remittance papers, cheque, deposits slip, debit voucher, credit
voucher etc has been taken. For the cheques and deposit slips, amount of taka and account
number has been checked. For vouchers, specific number has been checked. In this way,
vouchar sorting has been done on the cash counter.

Week 12 (7th November, 2014 to 11th December, 2014):


Accounts: As I was worked in clearing department for a few days, I got to learn some
activities of the accounts. It does thursday positioning, monthly positioning, SBS1, SBS2,
budgeting etc. Thursday positioning has been done to show the head office the financial
condition of a week. Monthly positioning has been done to show the profit or loss of a month.
Normally, profit has been given based on deposits. SBS1 is schedule bank statement which
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contains Accounts information. SBS2 has been done to check the customer information three
times in a year.
Clearing: I have learned several process of clearing such as clear a check, EFTN etc. EFTN
is two types. One is inward when bank gets money and other is outward when bank have to
pay. To clear a cheque, bank has to give the date at first. Then, officer need to scan the cheque
and needs to send report to the Bangladesh Bank. After that the balancing has been done.
Other activities I get to learn are audit trail, voucher sorting, clearing cheque preparation for
house etc.

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