Findings: Branches yet maintains Transfer register, which I think only waste of time.

Maintenance, downtime, card error and networking problem. Limited ATM booth.

The bank has launched ATM, credit card system but there are very few booths available. SJIBL has started on- line banking but they only do it between their branches. Pc Bank 2000 the software for database, UCBL is maintaining has options for preparing any bank statement. Lack of security as using Flash Drive for banking transaction information transfer from branch to head office or Bangladesh Bank. The main reason for the popularity of plastic money in Bangladesh is the lack of security. It is risky to carry large amounts of cash all the time. So usage of plastic money makes people feel relaxed and less at risk

6.5. Recommendation: Sometimes, glitches in software and networking of the ATM booths cause a tremendous hassle for the ATM card users. Banks charge a hidden amount with debit and credit cards. It ultimately discourages the usage of cards," said Dipanker Roy, a student of a private university.

bank officials say that their clients are usually informed about the charges associated with their accounts and cards.

A The education being the vital parameter shows the perception of card user that majority who adopted the plastic money are well qualified. Perhaps, this may be easy for the highly qualified people to manage their funds more wisely as compared to other groups.

A Plastic money is perceived to be essential for educated people as they use their cards

A Factors responsible for choosing the cards are distribution network, followed by free credit period and interest rates. The factors which were regarded less important were advertisement on T.V., convinced by direct selling associates and benefits offered by credit card agency Banking is a service-oriented marketing. Its business profit depends on its service quality. Thats why the authority always should be aware about their service quality.

SJIBL should increase the no. of computers, printers in the network.

Bank should offer more facilities to the customers such as ATM machine & booths etc.

Though they have started online banking but they should quickly start banking between banks to banks.

As soon as possible the bank should launch more ATM machine & booths in Dhaka city as well as in other cities of the country.

One of the business strategies is promotion. Successful business depends how they can promote their products or services to the customer. In this connection to improve the busines s status bank should introduce more promotional programs such as advertising attractively their facilities, which could increase banks deposit, clients, and customers.

In addition with the present services they should include more services. It is badly needed to provide more services to the customer in order to compete in the market. The bank should use enough close circuit camera for its safety in ATM booth.

6.6. Conclusion:

The importance of sustaining and improving bank performance is increasi n g d a y b y d a y . Particularly in an environment which is characterized by rapidly flourishing technology and itsg r o w i n g a p p l i c a t i o n t o b a n k i n g , t r e m e n d o u s c o m p e t i t i o n , p r o d u c t d e v e l o p m e n t , s h i f t i n marketing strategy, deregulation & globalization on the one hand, and escalation in the number of bank failures accompanied by mergers and mega mergers on the contrary. In order to keepa b r e a s t w i t h t h e p r e v a i l i n g m a r k e t s c e n a r i o U n i t e d C o m m e r c i a l B a n k L i m i t e d h a s a l r e a d y strengthen its position in the industry. The Bank has grown well in its 30th year of business,expanded its coverage of financial products and customer segments and enhanced its servicecapabilities across multiple channels. The result achieved by the Bank reflects that it claimed toeven higher operational height despite stiff competition.To be a leading private sector bank United Commercial Bank Limited has to apply some newdimensions in its customer service & its products and services. Otherwise, it would be quite hardfor them to keep their business position in competitive market industry because without puresatisfaction from the customers no one can last longer in the market. Existing customer hopes better future of United Commercial Bank limited by providing best services