Banking system of NCC BANk Ltd.: an analysis of its investment portfolio
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Banking sector plays a vital role in the economy. People prefer bank to save their money. National Credit and Commerce Bank Ltd was once a financial institution and converted to commercial bank in 1993. Since, then they have been operating as a leading private commercial bank with strong banking management. It has 106 branches all over Bangladesh and providing sincere and customized banking service to its customers. The Bank has set up a new standard in financing in the Industrial, Trade and Foreign exchange business. Its various deposit & credit products have also attracted the clients-both corporate and individuals who feel comfort in being with NCC Bank Ltd. Their investment policies are more structured as they were a finance company in past. I have been working at NCC Bank Limited, Shyamoli branch for 3 months as intern. My experience over there was tremendous and got chance to learn more in banking, as my preference for work is bank. This Internship Program has helped me a lot to learn about the actual situation of a financial institution. Most of the part of my report is based on my practical knowledge and what I have found in annual report of NCC Bank Ltd. My topic is “Banking system of NCC Bank Ltd: An Analysis of its Investment Portfolio”. So I have gathered information under this topic and the general banking that they perform daily. The report consists of several chapters. First one is the introduction part that includes problem statement, objective, methodology, timeline and limitation of the report In the second part of the report I have tried to express my personal feelings and learning from this three month internship period. Third part is all about to introduce with the organization. The forth chapter talks about the general banking system. Then the main part which I have included in chapter five, analysis investment portfolio of NCC Bank Ltd. I have shown different investment of NCC Bank Ltd. and their proportion. NCC Bank’s portfolio is mainly consisted of 3 types of investment. Loan & advance, government securities and other securities. I have analyzed the investments by years and along with I have compared some of the investment by years to show the changes in comparative financial situation of NCC Bank Ltd. The distributional proportion on securities and loans are given with the process and valuation. Investment increase with the increasing deposits and growing number of branches, which is proven inside the report. Finally, the return form investment is mentioned to describe how well they are managing their investments to make their profit and satisfy their potential customers.