Beruflich Dokumente
Kultur Dokumente
Report On:
Submitted To:
Zulfiquer Ali Haider [ZFQ]
Faculty Member
Department of Management
Submitted By:
SL. Name ID:
01 Syed Atabur Rahman Tuhin 1420296030
02 Md.Tauqir Ali 1420257030
03 Jubayer Islam 1420180030
04 Afifa Sharmin 1420051030
05 Sakib Uddin Ahmed 1410467030
2 | Page
Table of Content
SL. No. Title: Page No.
01 Executive Summery 03
02 Introduction [04-06]
Background of the report 04
Objectives 05
Methodology 05
Limitations 06
03 Findings And Analysis: [07-20]
1.Historical background of SEBL 07-08
1.1 Mission, Vision and objectives of 08
SEBL
1.2 SWOT Analysis Of SEBL 09
06 Reference 23
3 | Page
Executive Summery
This Report is mainly reviews the function, Roles, Skills of a manager to
accomplish or fulfill the target of attaining his/her organizational goals.
The first Part of the report is about the introduction/purpose of the report,
objectives of the study, methodology of the study and the limitations of the
study. From this part we know why this report is made and from it what kind
of thing is gathering in our knowledge store and then there is a section
where the source of news we use are mentioned and at the end we mention
the limitation of information and thing we faced when we prepare this report.
Second Part is about the findings and analysis part. Where we mention the
information about Southeast Banks Background in which include its mission
and vision and history. We also attached Southeast banks organizational
hierarchy. Then we Explain porters 5 force model of Industry attractiveness.
Then we analyze the BCG Matrix of Southeast Banks Service/ product. At the
end of this part we analyze the most important part of this report which is
Managers Job description. In which His Function, Roles and Skills are
explained.
This Report mainly explores about a managers importance for a job. This
report also explores his functions over his organization to manage. His
played roles are also mentioned and analyze here. And managers necessary
skills to manage are also mentioned over this report.
4 | Page
Introduction
M e t h o d o lo g y B a c k g ro u n d o f th e re p o rt
O b je c O
t iv
b ejesc t iv e s
L i m it aLtiio
mnitsa t io n s
Objectives:
Objectives of this report could be two types:
Primary Objectives:
As a student of BBA And For taking MGT-210 course we need to work upon a
Manager and make a report over his/her job description which cover a partial
part of the course. And also for gather knowledge about a Manager. And that
is the Primary objectives of the report.
Secondary Objectives:
Methodology:
This report needs various kinds of information including managers job
description, about southeast Bank, its Product/service, organizational
structure, its historical background and other general information. So, to
make this report I used both primary and secondary Data:-
Interview with the manager of Southeast Bank sat masjid road Branch.
Some official documents that the manager provide us.
Limitations:
To make this report we face many limitations including inadequate and lack
of availability of required data. Those limitations are:-
One of the main limitations are when we make this report we cannot
have the opportunity to make a survey upon the employee of
southeast Bank because the branch was so busy with their general
work.
Time period is one of the other limitations to gather information, which
is only 1 month.
The manager cannot give us adequate time to have a bigger
experience because he is a busy person.
Lack of experience we face when we make this report because we are
only the student of 3rd Semester.
Information from secondary sources is not clear and precise always so
we need to work hard on this matter.
We think this kind of report need some practical work with the
manager but without internship we think that is not possible for every
student but it could be important in some reason.
With all limitations we tried our level best to make this report successful. So,
earnest request to consider those limitations while justifying our report.
8 | Page
P o r t e r sP o5 r tF e o r rs c e5 M
F o o r dc ee l M o d e l
M a n a g Me a
r nD a e g s ec rr i Dp te i o
s cn r i p t i o n
The manager MR. Abidur Rahman Chowdhury tells us about the bank, is
that we take pride in the fact that the public and private face of the Bank is
one and identical. We believe that transparency in decision-making,
monitoring mechanism and full disclosure to shareholders and regulatory
authorities are essential aspects of Banks corporate governance and that
they create an intense pressure to rationalize Banks services and search for
new competitive advantages. We work ceaselessly within these parameters
A team of efficient professionals manages the Bank. They create and
generate an environment of trust and discipline that encourages everybody
in the Bank to work together for achieving the objectives of the Bank. The
culture of maintaining congenial work-environment in the Bank has further
enabled to benchmark themselves better against management expectations.
A commitment to quality and excellence in service is the hallmark of their
identity.
Vision:
To stand out as a pioneer banking institution in Bangladesh and contribute
significantly to the national economy
Objectives:
10 | P a g e
Sound investments
Meet capital adequacy required
Ensure satisfies work force
Ensure 100% recovery of all advances
Focus on fee-based income
Adopt an appropriate management technology
W eakness W eakness
T h re a ts T h re a ts
SEBLs Weakness:
Inadequate work force.
Conservative loan facility.
Profit rate is less than others.
Lack of sufficient own ATM booths
SEBLs Opportunities:
Market leadership.
Growth of the foreign exchange banking sector.
Different consumer service scheme of the SEBL.
Goodwill in foreign exchange management.
Perform more quickly foreign exchange services.
Go beyond the national boundaries.
11 | P a g e
SEBLs Threats:
Political instability.
Intense competition in foreign exchange
Strict government rules and regulation in foreign exchange
management.
Economical variation.
Foreign exchange policy of competitive banks.
Organizational chart:
Managing Director [MD]
Lower Level
Assistant Vice President [AVP]
Trainee
JuniorAssistant
Officer [JO]
[TA]
12 | P a g e
Buy T h re a t
er of New
Pow E n tra n t
er
T h re a t O f R iv a l r y
S u b s t it u t e B e tw e e n
P ro d u c ts E x is t in g
C o m p e tito r s
Supp
l ie r
Pow e
r
Threat of New Entrant:
Capital requirement for a new banking company entrance in
Bangladeshi Banking industry is 400 Corer BDT which is required as
Minimum Paid up Capital for a bank by the rule of Bank Company Act
1991. So it is relatively High Requirement than other industries.
As we know customer switching cost is relatively high in banking
industries so it is comparatively tough for new banking companies to
get customers who are already involved in their rivals services.
Now Govt. enforced a rule for new banking companies is that every
Bank Should Set their Banking Branches 75% On Rural & Semi-Urban
Areas And 25% On Urban Areas. So it is a challenge for them.
In Bangladesh If a Bank Company Want to introduce them as a new
bank there is a big Government & legal barriers on Licensing.
13 | P a g e
As a new Bank they could face Image Crisis because there is already
a big number of bank are established in Bangladesh
As a new bank they also have lack Of Confidence And Experience.
In Past there is a rule that every bank need to have five year
experience to get the permission to sold Govt. Issued Bonds and other
services But Now the rules are eliminated and New Banking Companies
Can Issue or Give Govt. Issued Services.
=>So after the analysis of the Threat of new Entrant we can tell Threat of
new Bank Is Comparatively Low For Established Banking Companies.
But Important is that Now this kind of threat is Decreasing day by day
Because of some Steps:-
But Maximum Bank Has R&D Department of their own so they always
try to make effort on product differentiation.
But there is a thing on which every bank differentiated them which is
their Marketing Plan and Campaigns.
The Barriers to exit the industry are high.
Supplier Power:
Peoples who deposit their money in Bank Both in Short-term and for
Fixed time period.
Mortgages Loans
Financial Institutions [from other industry like-Leasing Companies,
Pension Funds] who give loan or invest money in bank.
Buyer/Customer Power:
BCG Matrix:
It is a tool that guides resources allocation decision on the basis of market
share and growth rate of Strategic Business Unit or Product. This Matrix is
first introduced by Boston Consulting Groups. With these criteria a business
unit is evaluated using SWOT analysis and placed in one of the four
categories which are: - Star, Cash cow, Question mark & Dogs. This step can
categorize the products &
offerings under basis of
market share & market
position.
Stars Product:
Stars product has high growth rate and high market share in the market.
Southeast bank limited stars products are given below:
ATM card
Pension Saving Scheme
Any purpose Loan
Student Account
ATM card, Pension saving scheme & Students accounts are the stars product
of Southeast bank. These Products are highly demandable. Because this
products features & offers are most attractive. These products have high
growth market & high market share.
Debit or
Credit card
Those cards absolutely need for the people who live in Dhaka or other major
cities of the country. Southeast bank limited, ATM service has not only
account transaction easier but also it reduces the risk of carrying heavy cash.
That reason, people are interested in open ATM service. When people open
this service, they pay some money advance. And every year they pay the
charge of bank.
Southeast bank limited give many purpose loan. That loan rate is low. That
reason growth rate is high, so people are interested to take that loan. So, its
market share is high. Thats why it is a Star product of SEBL.
Student Accounts:
SEBL Give a great opportunity for student to get banking services without
any kind of charges. So, students are interested to open account and get the
services from SEBL.
Fixed Deposit Receipt, Any purpose loan, Cash Remittance are the cash cow
products of southeast bank limited.
In FDR bank provides higher interest than other regular saving accounts
deposit until the given maturity date. It accounts to be open at minimum 3
month. AS a result, people cannot drawings money their need in mean time.
Though, its growth rate is low but its Market share is high.
Cash remittance:
18 | P a g e
Cash remittance has been existence for long time in southeast bank limited.
Southeast bank gives many facilities such as, no service charge from
beneficiaries in Bangladesh, instant cash withdraw facilities from SEBLs any
branch, disbursement of foreign remittance through ATM booth using remit
card. That reason, consumers are interested. So, though it has low growth
but it has high market share.
Telecash
Multimillionaire gold deposit scheme.
Telecash, Multimillionaire gold deposit scheme are the question mark product
of southeast bank. The reason of the question marks product of
southeast bank limited is being described:
In Multimillionaire gold deposit scheme the maturity value is 50lac but this
deposit scheme maturity year is for a lengthy time period, which is at least
10 years. And also its monthly installment is also high in nature. So for this
though its growth rate is high but people are not much interested in it for this
its market share is low.
Duration 10 12 14 16 Maturity
year Year Year Year Value
Monthly 24040 17730 13390 10275 50 lac
Installments
Telecash:
Dog Product:
Dogs mean low growth rate and low market share of market position.
Southeast bank limited dogs products are given below:
Southeast bank ltd introduce Double Benefit Scheme which is totally under
insurance coverage. In this Scheme individuals need to deposit at least
100000 tk. And at 7.5 years Deposit amount will be doubled. That reason,
many consumer cannot bear it and also are not interested to it. So for this its
market growth and share are remaining low.
20 | P a g e
Managers Description
Managers introduction:
The manager whom we meet for the report and whose role is vital for the
report is:-
Name: MR. Abidur Rahman Chowdhury
Designation: Senior Vice President &
Head of the Branch
Managerial Function:
Firstly, As a Rule Southeast Bank Limited gives a certain amount of target for
a branch manager. And a manager needs to achieve the target to accomplish
the company rule.
So, at first Mr. Abidur Rahman Chowdhury get a certain amount of target
From SEBL. After this he along with his co-management team set a plan to
achieve the target. He Work with some steps that are given below:
grouped, who reports to whom and where decisions are made? They
distribute the tasks between the employees and give direction to the
employees to how they do it?
Motivating: After organizing Mr. Abidur Rahman Chowdhury motivate
his subordinates to do the work properly. He gives supplement or
contingency direction those who are unable to do work with first plan or
direction. He arranges training program if any employees need it. Those
employees are slow in their work he motivate them by giving them
commitment to if they do this job they get rewarded and can get promotion.
He Lead the Organization From Front.
Controlling: after planning, organizing, and leading at a certain period of
time he evaluates the performance of the employees of the organization. He
monitors the employee work, comparing the outcomes with the plan and
taking corrective measure if necessary. He gives rewards or giving promotion
recommendation for those employees who meet his plans and work hard.
Managerial roles
To accomplish his Managerial Function properly he plays some important
roles:-
Interpersonal Roles:
MR. Abidur Rahman Chowdhury is the Senior Vice President and Head of the
branch of Dhanmondi. He is an effective manager who uses the interpersonal
management roles of as a figurehead, leader, and liaison.
Informational Roles:
He processes information as a monitor, disseminator and spokesperson.
22 | P a g e
Monitor: His role is also involves the task of researching, locating and
choosing useful information. He spends time to check the feedback. He
also looks what is the new product of his competitors. He also monitors
the performance of his employees.
Disseminator: When he combines all the information into a proposal,
he forwards the proposal to upper management for approval. He also
spends time with his employees for previewing this information. So the
employees can easily accept the new proposal.
Conceptual skills:
Mr. Abidur Rahman Chowdhury done most of his works with this skill.
He visualizes the organization as a whole. Using this skills he
understands the relationship among various sub-units and feel how the
organizations environment is going and. With This skill he can identify
any problem easily and make a decision for this problem effectively.
Human Skills:
Mr. Abidur Rahman Chowdhury is a nice and cordial manager. We feel it
when we meet with him and also we hear this from one of his sub-
ordinates who is doing work under him in the branch. He is an
expertise to deal with his sub-ordinates efficiently and use the
employees effectively. He know how to motivate employees to get the
23 | P a g e
In the current world a good management system is play a vital role for any
organizations success. A manager could be succeed when he use his every
step of decision and managing efficiently and effectively. Because a manager
tasks is not a low hanging fruit. Business environment are more dynamic day
by day. In Global Management Those manager can diverse them with the
dynamic environment easily can get a bigger success in the field of business.
A manager need to aware about his organizations environment and always
monitor the environment. So if any individuals [as a manager] want to get
success or be a effective in the field of management he need to have Enough
skills of Conceptual, technical, human and should play the role as
Interpersonal, informational and Decisional roles. He needs to have the
ability to developed plan, organizing, and controlling. He should motivate his
subordinates to do their work properly with inspiration, reward. He should
take any kind of decision by measuring its effectiveness and possible
outcome. If a manager has this kind of characteristics we hope he could be a
effective manager who can make an impact over his organizations goals
achieving and attainment of its mission and vision.
25 | P a g e
Bibliography
Reference:
26 | P a g e