Abstract:
United Commercial Bank offers all kinds of corporate and personal banking services including
corporate banking, retail banking and consumer banking service for every customer. UCBL
provides every kind of facilities to its customers regarding account, loan, deposit scheme, UCB
earning plus, Ucash, UCB multimillionaire etc. which are different kind of services that attracts
to the customers. The bank can handle a good number of customers and help them when they
have any queries. Before making a customer’s account, the bank verifies all the documents for
further process. Every customer account is very sensitive issue for the bank because there may be
a number of transactions happen. The general banking section has different kinds of department
for customer service. They have account opening section (Savings, FDR, MSS, Bills, Detch
pecth etc), clearing section, deposit section, cash department, cash management section. Besides
this, the credit risk management department includes CAD (Credit Administration Department),
foreign remittance section, corporate credit department etc. Usually, the bank makes credit for
corporate customers (RMG sector) the most for their business purpose. Moreover, they have
individual loan system such as home loan, car loan, utility loan, furniture loan etc. The bank
plays an important role in international trade by providing credit and facilitating payment,
against trade with other countries. UCBL cuts a good figure in their foreign exchange department
by giving credit of exporting and being a part of international business. In this regard, UCBL is
well positioned to meet the challenges that it faced
