INTERNSHIP REPORT

ON
GENERAL BANKING ACTIVITIES OF MODHUMOTI BANK LIMITED

SUBMITTED TO:

Mohammad Sharif Hossain

Senior Lecturer
Department of Business Administration
Uttara University

SUBMITTED BY:
Masuma Akter
ID-F21331111155
Major in Accounting
Department of Business Administration
Uttara University

Date of Submission: 13 August 2017

 LETTER OF TRANSMITTAL

13 August 2017
Mohammad Sharif Hossain
Senior Lecturer
Department of Business Administration
Uttara University

Sub: Submission of Internship Report on General Banking Activities of Modhumoti Bank

Limited.
Dear Sir,
It is my great pleasure to submit the Internship report entitled General Banking activities of
Modhumoti Bank Limited to you. As per requirement of BBA, I have completed the Internship
in Modhumoti Bank Limited. I have tried to exert all the knowledge that I gathered through my
working with this branch of MMBL.

Working for three months (14June to14August) in the Modhumoti Bank Limited, Uttara Branch
helped me to fulfill the requirements of obtaining practical learning and subsequently prepare of
this report. My internship in Modhumoti Bank Limited was a worthwhile experience and the
exposure of such an organization would be valuable for me. Before facing the real business
world, I have gathered prior knowledge about the organization culture.

Thank you very much for your kind co-operation without which this Internship Report cannot be
completed. I like to take every opportunity to express my gratitude of indebtedness to you.
Thank you very much for your kind co-operation.

Sincerely yours,
.............................
Masuma Akter
ID-F21331111155
Major in Accounting
Department of Business Administration
Uttara University
 DECLARATION OF STUDENT

I am Masuma Akter, ID-F21331111155, student of Business Administration Uttara University

(Major in Accounting). I have completed my Internship Program from Modhumoti Bank
Limited. I have prepared this report on General Banking Activities of Modhumoti Bank Limited
based on annual report and other information. In this report I have included all the information,
which I got during my internship period. I have written this report on the basis of my work
experience and observation during the internship period.

So, I am declaring that, this report is original in nature and not copied from other sources.

Masuma Akter
ID-F21331111155
Major in Accounting
Department of Business Administration
Uttara University
 SUPERVISORS DECLARATION

With regards to this report titled General Banking Activities of Modhumoti Bank Ltd
Submitted by Masuma Akter ,ID-F21331111155 for the degree of Bachelor of Business
Administration in accepted in form and quality.

The student has carried out internship under my supervisor and guidance for the three months
and that the report has been scrutinized thoroughly.

Mohammed Sharif Hossain

Senior Lecturer

Department of Business Administration

Uttara University
 ACKHOWLEDGEMENT

At first I would like to express my gratitude to Almighty Allah who has given me opportunity to
go through the total process of internship and to write a report in this regard.

I would like to take the opportunity to express my gratitude to my Internship Mohammad Sharif
Hossain, Senior lecturer, Department of Business Administration whose direction, guidance and
support helped me a lot in writing this report.

It was a great pleasure for me to work in Modhumoti Bank Limited (Uttara Branch) as an intern.
I thank all the employees for being friendly and cooperative. I was taught lots of important things
through-out my internship career because of their proper attention and co-operation.

My deepest appreciation and special thanks goes to Atiqul Islam Akhand, Manager Operation of
Modhumoti Bank Ltd Uttara Branch, for extending his support in compiling this report .

At last I must mention the wonderful working environment and group commitment of this bank
that has enabled me a lot deal to do and observe the banking activities during my internship
period of three months. Finally I convey my sincere thanks to my friends who inspire in different
ways to complete the report and the course as well.
 EXECUTIVE SUMMARY

Bank provides means and mechanisms of transferring commend over resources those who have
an excess of income over expenditure to those who can make use of the same for adding to the
volume of productive capital. The bank provides them with the safety, liquidity and
profitability of savings.

Modhumoti Bank Limited is scheduled commercial bank registered by the Bangladesh Bank.
The functions of the bank cover a wide range of banking and functional activities to individuals,
firms, corporate bodies and other multinational agencies.

The main objective of the study is to give an overview of MMBL and identify the strength,
weakness and critical risk factor of this bank.

Data collected for the study in two different modes namely primary and secondary. Face to face
conversation with the respective officer of the branch was the main mode to collect primary
data and for secondary data various publications and related body are observed.

The main limitation of the study was short time limit and authenticated data insufficiency.

Officer of the bank are capable. Even though many of them simply know the working procedure
of what they are doing but don't know the philosophy behind doing those.
TABLE OF CONTENT
CHAPTER:1
INTRODUCTION
1.1 BACKGROUND OF THE STUDY

As a student of Bachelor of Business Administration (BBA) everyone has to conduct a practical

orientation in any organization for fulfilling the requirements of the 12 weeks Internship
Program. The main purpose of the program is to expose the students to the real world situation.
This report is done as a partial requirement of the internship program for the BBA students. This
report is prepared for the internship program consisting of a major in depth study of the total
banking business of Modhumoti Bank Ltd. Practical knowledge is fundamental for the
application of theoretical intelligence. Bearing this in mind and internship program was being
included in the BBA curriculum. The goal of this analysis is to expose the student in the
organizational work situation and also to provide an opportunity for applying classroom learning
in practice. There are some difference between theories and practice.

1.2 OBJECTIVE OF THE STUDY

1.2.1 Broad objective:

The main objective is to focus on the General Banking Activities of Modhumoti Bank Limited.

1.2.2 Specific Objective:

1. To present the accounts opening process of Modhumoti Bank Limited.

2. To analyze the Remittance procedures of Modhumoti Bank Limited.

3. To show the accounts closing process of Modhumoti Bank Limited.

1.3 Company Profile:
MODHUMOTI Bank Limited is a scheduled commercial bank in the private sector established
under the ambit of Bank Company Act, 1994 and incorporated as a Public Limited Company
under Companies Act,1994. During this short span of time the Bank is successful in positioning
itself as a progressive and dynamic financial institution in the country. The bank achieved the
Certificate of commencement of business by the Registrar of Joint Stock Companies and Firms
on the date of its incorporation and started its operations under private sector. Bangladesh Bank
issued Banking License to the bank on 1994 Mr. Atiqul Islam Akhand former Finance Minister
of Bangladesh, inaugurated the foremost branch of the bank at 1, Dilkusha Commercial Area,
Dhaka on 25th of the same year. In view of the above, the Bank within a period of 18 years of its
operation achieved a remarkable success and met up capital adequacy requirement of Bangladesh
Bank. In present the Bank has 100 Branches which they are leading very successfully all over
Bangladesh.

1.3.1 Brief Profile of the company

MMBL started its working at 161; Uttara C/A with a Branch named Uttara Branch on 27 th
September, 1994 was the first & main Branch of MMBL and has been operating throughout the
country. The Head Office of the Bank was situated at the same holding of Motijheel Branch DCCI
Building 66-65, Dhaka-1000.
Particulars Details

Name of the Company Modhumoti Bank Limited

Legal Status Public Limited Company

Nature of Business Commercial Business

Date of Certificate of Incorporation 18th June, 1994

Head office DCCI building, 65-66, C/A Dhaka-1000, Bangladesh.

E-mail talib@modhumotibankltd.com

Chairman Mr.Humayun Kabir

No. of ATM Booth 240

Off-shore banking units Number of shareholders

Authorized Capital TK 5000 millions

Number of shareholders 54,386

Slogan Your Access to Success

WEBSITE http://www.modhumoti bank.com

Corporate Structure:
 Sl. No. Designation

1. Managing Director

2. Additional Managing Director

3. Deputy Managing Director

4. Senior Executive Vice President

5. Executive Vice President

6. Senior Vice President

7. Vice President

8. Assistant Vice President

9. First Assistant Vice President

10. Senior Principal Officer

11. Principal Officer

12. Senior Executive Officer

Management Trainee Officer

13. Executive Officer

14. Assistant Officer

Management Level:
 Chairman
Top Management
Board of Directors

Executive Committee

Managing Director

Additional Managing Director

Deputy Managing Director

Senior Executive Vice President

Executive Level
Executive Vice President
Management
Senior Vice President

Vice President

Assistant Vice President

First Assistant Vice President

Mid-Level
Senior Principal Officer
Management
Principal Officer

Senior Executive Officer

Junior Level Management Trainee Officer

Executive Officer
Management
Assistant Officer

Vision:
To be a pioneer in Modhumoti Banking in Bangladesh and contribute significantly to the growth of
the national economy.

Mission:

Achieving the satisfaction of Almighty Allah both here & hereafter.

Quality financial services adopting the latest technology.
Fast and efficient customer service.
Maintaining high standard of business ethics.
Balanced growth.
Steady & competitive return on shareholders' equity.
Innovative banking at a competitive price.
Attract and retain quality human resources.
Extending competitive compensation packages to the employees.
Firm commitment to the growth of national economy.
Involving more in Micro and SME financing

Distribution of Branch:

The number of Branches as Division wise is mentioned in the following table:

Division No. of Branches

Dhaka Division 11

Chittagong Division 8

Rajshahi Division 5

Khulna Division 7

Sylhet Division 7

Barisal Division 5

Rangpur Division 4
Total 47

The Board's Role:

The Supervision Board oversees the application of different aspects of in the Bank. It also ensures
that all transactions are in strict compliance with the right of contradicting any violating
procedures, if found. The Board of Directors is obligated to obey the irrespective of whether a
unanimous or a majority consensus secured the decision (clause ---- of the Banks Memorandum &
Articles of Association).Board meetings are held periodically or whenever the need arises. The
rights of the Board are enshrined in Article Seven of the Bank's Memorandum & Articles of
Association.

1.3.2 Description of section where I worked:

For my internship purpose I worked in section of MMBL, Uttara Branch. It was my fast
experience to work any organization. I opened customer accounts and also writing the deposit slips
and credit voucher of customers. I also take the cheque book requisition and provided the cheque
book to the customers. I also worked how to create Pay Order and how to create locker account. I
also work at opening in FDR account.

1.4 Major difficulties faced for accomplishing internship:

MMBL is one of the potential banks in the banking sector. The Uttara branch of MMBL is a
small branch. It was a wonderful experience working at Modhumoti Bank Limited. The
employees of the bank were very helpful and nice to me. In spite it was not an easy job to find so
many things during the very short period of practical orientation program. Now, I would like to
present my observations and give, my opinion to improve the banking service and make their
customer more satisfied.
1
2 i. Lack of dynamic and prompt customer service:

Since a number of new banks are coming to existence with their extended customer service
pattern in a completely competitive manner. Customer services must be made dynamic and
prompt. Now a day, people have very little time to waste but want fastest and unique services in
short time. Moreover they seek the bank which will provide more facilities and attractive offer
compare to other bank. Therefore Modhumoti bank should think sincerely about the renovation
of their customer service and facilities which will be more attractive and innovative rather than
traditional one.
1 ii. Lack of Proper Division of Labor and man power:
2There is lack of division of labor in the branch. Therefore everybody has to handle every type
of banking services. Moreover if one personnel is absence in a department then extra burden will
fall to another. This decreases the level of performance of the personnel, though it reduces
monotonousness. But lack of division of labor hampers the discipline of working environment.
So customers have to wait for some time for the desired service, which is contrary to the
Premium Banking objective.
3 iii. Lack of Proper compilations &Maintenance of Files:
4 Modhumoti Bank Ltd, Uttara Branch gives personalized services. All the officers have to give
concentration to the customers, while doing this they cannot properly completed and maintain
the customer files. In many cases, most of the files and papers are kept here and there by the
officers during the busy hour.
5 iv. Shortage of availability of Machineries:
6 Uttara Branch is supposed to be very well equipped by advance and available machineries. But
there are shortages of photocopy and printing machine therefore most of the time employees
activities are hampered for maintaining serial as well as it create gathering on their short space.
Moreover as because of lacking of maintenance and over used when one machine of any
department stops working then the load shift to another department badly.
7 v. Employee Dissatisfaction:
8 Because of late promotion and longer probationary period there is dissatisfaction among the
employees. More over some sort of internal politics also another reason behind proper
recognition and promotion of employees. In addition most of the time over duties and huge
working pressure makes their life monotonous and hamper their family life.
9 vi. Confusion on double standard banking:
10 Beside the general banking system, has been introduced in Modhumoti Bank Limited. This
sort of double standard in banking may create confusion in the mind of customers. The most
important think which I have observed is that MMBL, Uttara Branch is following corporate
banking method. So I think bank should follow the rules of otherwise this kind of collapse can
hamper the reputation of the bank.
11 vii. Lack of effective advertising and promotion:
12 Advertising and promotion is one of the weak point of Modhumoti Bank Limited,
,Modhumoti Bank Limited does not have any effective promotional activities through
advertisement, but other banks have better promotional strategy. Therefore most customers are
not known about their Modhumoti banking branch.

1 viii. Lack of Computer Knowledge:

2All the organizations including banks are now mostly depends on computer but employees do
not have much knowledge on computer.
3 ix. Absence of proper Decoration and congested office area:
4 Decoration of the MMBL has become old. So, young people are not attracted to this branch as
well as employees are not getting the congenial environment. Customers are also facing the
problem with as because of its congested office area. Most of the time at busy hour customer
rarely get any seat which hamper their service as well as such gathering also hamper office
environment.
5 x. Unsatisfactory software performance:
6Modhumoti bank use Ultimus software for performing their banking activities. But the software
often hanged as because of slower upgrade of data by vender. Therefore it delays to performing
banking activities at time.
7 xi. No desk and specific task for internee:
8 Modhumoti bank doesnt arrange any desk and fixed any task for their internee. Therefore they
dont get any chance to learn banking activities by doing practical task. It is not possible for any
fresh graduate to learn banking activities by getting few lecture from specific personnel rather if
they involve them to some specific activities it would be easy for them to learn more and fell
confident to perform any activities properly. Moreover as they do not pay any allowance to
internee so some time it does not motivated them to present and learn eagerly.
 CHAPTER: 2

DESCRIPTION OF THE TOPIC

2.1 Internship Topic

To write a report is necessary to select a topic. A well defined topic reflect what is going on to
be discussed thought on the report the topic that has been assigned by supervision is "General
Banking Activities of MODHUMOTI Bank Limited The report has discussed how the bank
operates their activities with their regular customers.

2.2 Topic Related Frameworks:

General Banking Department:

Professional merit and competency, Flexibility, Department and dedication are the core
resources that MMBL consider to be of paramount importance for building a client oriented
modern banking. Customer satisfaction is MMBL foremost professional undertaking.
Therefore, a satisfied client is MMBL precious product and they consider them MTBL
ambassador is the market.

Account opening section:

One of the vital sections under General Banking Activities is the account opening section.
Banker customer relationship begins through this section. Various tasks are performed in this
section.
Such as:
Opening of different types of account.
Issue of checkbook.
Issue of pay-order.
Closing of account.
Mail received and dispatch.

Procedure of Account:

a) Account opening (savings account)

1. Collect account openings from the bank.

2. Fill all the requirements of the form.
3. Nominee is must be specified and signed in the form.
4. Photograph in must important for any account.

b)Account opening (Current Deposit Account)

1. Collect an account opening form the bank.

2. Nominee is must be specified and singed in the form
3. To be must National ID photocopy.
Various types of account offered by MMBL:

Savings deposit account

Individual account
Joint account
Current Deposit account
Proprietorship account
Limited Company account
Joint account
Fixed Deposit (FDR)

Documentation of current Account:

Proprietorship:
National ID card or passport photocopy
Trade License
Chairman certificate
Personal TIN
For partnership:
Partnership Deed
TIN certificate
Trade license
Photocopy of national ID

Issues a new cheque book:

Types of two cheque book:

1. Savings Account
2. Current Deposit Account
Issuance of pay order:

Payment order is meant for making payment of the bankers own of the customers dues
locally and not for affecting any remittance to outstation. In a sense, the payment order is used
is used for making a remittance the local creditors.

Closing An Account:

When a customer wants to close his account in the bank he has to follow procedure:
The client writes a written application.
The bank takes charge TK.150 for closing fee.
The rest amount gives to the customer.

2.3 Study Framework:

Attend seminar for internship program

 Collect the format for report writing

Taking lecture from the supervisor

Fill up the internship registration form

Understand the report format

Select the internship topic

Collect data using by annual report, website, and guideline of foreign exchange

Taking idea to complete the data processing

Advice from supervisor for complete final internship report

Finally submit internship report

Figure 2.3: Study framework

 Chapter-3

DATA COLLECTION
AND
PROCESSING

3.1 Data description:

In order to make the report more meaningful, presentable, a complete one and to meet the goal of
this report different data and information are required. Those data and information were collected
from various sources, such as primary and secondary which is showed below:

Primary Data
 Practical desk work.

Face to face conversation with the respective officers and staffs of the Uttara Branch.

Facing some practical situation related with the day to day banking activities.

Secondary Data

Annual report of MMBL.

Bank records and manuals etc.

Different circular issued by the Head Office.

3.2 Ways of data collection:

I collected both primary and secondary data for my research purpose. I collected primary data by
pilot survey on customers of MMBL. I also collected secondary data from MMBL that was
provided by junior officer of MMBL, Uttara Branch. These sources are as follows:
Primary source

A) Face to Face Conversations: some primary data are collected by taking interview and by
discussion with the executives and officer of.

B) Observation: Here primary data are collected through spending three month in the MMBL
during the working hour. Here I observed the total banking process of MMBL.

Secondary sources :

The secondary data had been collected from the MMBL. To clarify different secondary sources
such as office web site; register book & publication used by the MMBL in this regard.

Internal Sources:

External Sources:
Newspaper
 Different books, periodicals related to the banking sector.
MMBL paper and published documents.

3.3 Data processing methods

Line Chart:

The line chart is especially effective in displaying trends. In a line diagram, the vertical axis
always displays numeric values and the horizontal axis displays time or other category.

Pie chart:

A pie chart is a circular statistical graphic, which is divided into slice to illustrate numerical
proportion. In a pie chart, the arc length of each slice is proportional to the quantity it represents.

Bar chart:

A bar chart is a chart that presents grouped data with rectangular bars with lengths proportional
to the values that they present.

Data Processing & Analysis:

Collected information have then processed & compiled with the aid of MS Word, Excel & other
related computer software. Necessary tables have been prepared on the basis of collected data
and various statistical techniques have been applied to analyses on the basis of classified
information. Detail explanation and analysis have also been incorporated in the report.

Sampling procedure:
I collected primary data by random .Collected information is processed by the use of computer
system. Detailed analysis, working variables and working definitions are embodied in the report.
By using Microsoft Excel analyzed bank data. Data are collected randomly sequentially and
regular interval process.
 Chapter 4:

Results and discussion

4.1. To present the accounts opening process of Modhumoti Bank Limited.

Procedure of an account

4.1.1 Account opening section ( Saving Account)

1. Collect account openings from the bank.
2. Fill all the requirements of the form.
3. Nominee is must be specified and signed in the form.
4. Photograph is most important for any account.
5. The account holder sign of his own self in front or the specific bank principle officer in the
account opening form.

4.1.2 Account Opening section (Current Deposit Account)

1. Collect account openings from the bank.

2. Fill all the requirements of the form.
3. Nominee is must be specified and signed in the account opening section.
4. Photograph is most important for any account.
To open this account the most important things is that passport or national ID photocopy must
have to add with the account opening form and also enclose the trade license with the number.

Documentation of current account

Proprietorship
National ID card
Trade License
Chairman certificate
Personal TIN certificate

For Partnership
Partnership Deed
TIN certificate
Trade License
All partner National ID Card

For Private & Public LTD Company

TIN & VAT certificate of company.

Trade license up to date
TIN certificate of All Directors Personal
 Certificate of Incorporation
Company or personal Rubber Stump

Various types of account offered by MMBL:

Savings deposit account

Individual account
Joint account
Current Deposit account
Proprietorship account
Limited Company account
Joint account
Fixed Deposit (FDR)

4. 2. To analyze the Remittance procedures of Modhumoti Bank Limited.

The major function of commercial bank is mobilization of fund, Other bank provides
supplementary services to its clients. Clients need to remit money from one place to
another for their business or other purposes, Banks fulfill this need of customers by
 means of remittance service. Money can be remitted domestically or internationally,
which is known as local remittance and foreign remittance respect.

There are mainly four ways of transferring fund domestically. The modes of transferring
funds are:

4.2.1 Pay Order(PO)

4.2.2 Telegraphic Transfer (TT)

4.2.1 Pay Order

This is an instrument issued by the branch of bank for enabling the Customer to pay certain
amount of money to the order of a certain person within the same clearing house area of the pay
order issuing branch.
Obtain P, O, application from duly filled in and signed by the Purchaser.
Receive the account in cash with commission amount.
Issue Pay Order.
Enter in Pay Order register.

4.2.2 Telegraphic Transfer (TT)

This is a mode of transfer of customers money from a branch of one bank to another branch of
the same bank through telegraphic message.

Procedure for issuing T. T.

Obtain T. T. application from duly filled in and signed by the purchaser full A/C
Purchaser with full A/C particulars of the beneficiary.
Receive the amount in cash with prescribed commission, telephone and postage amount.
Prepare T. T. message inserting the test no.
Enter in T.T. Issue register.

4.3. To show the accounts closing process of Modhumoti Bank Limited.

When a customer wants to close his account in the bank he has to follow the following
procedure:

The client writes a written application.

She/He surrenders the unused checkbook.
The bank takes charge TK. 150. For closing fee.
The rest amount gives to the customers.
Closed rubber stamp uses top of the respective account opening form.
Chapter-5
CONCLUSION:

During the three months of internship program at Modhumoti Bank Uttara Branch almost all the
desk have been observed more or less other than General Banking Activities Department. This
practical orientation program, in first has been arranged for gaining knowledge of practical
banking and to compare this practical with theoretical knowledge. Comparing practical
knowledge with theoretical involves identification of weakness in the branch activities and
making recommendations for solving the weakness identified. Through all departments and
sections are tried to cover in which I got the chance to gather practical experience for the
internship program; it is not possible to go to the depth of each activities of branch because of
time limitation. However, highest effort has been given to achieve the objectives the internship
program.

5.1 Important outcome:

1.Most of the respondent agree and strongly agree that the remittance process of MMBL is
highly secure.
2. Most of the customers think that MMBL follow the standard rules to provide..
3.MMBL provide better service than other organization to collect.
4. The withdraw charge of MMBL is high than other bank.
5. Most of the customer who collect a account on MMBL.
6. Most of the customers maintain a legal system.
7. Most of the customers of MMBL use Money Gram transfer service to collect.
8. Many customers are does not know about the rules and regulation of the bank.
9.Most of the customers think the privet service is better than government service.
5.2 Recommendation:

1Based on my three months observation in the bank , I achieved lot of practical knowledge.
During the internship period I faced some problems and based on that I state the following
recommendations to the bank:
The bank should offer more facilities on other account to attract more customers.
Bank should build a strong brand image on the market through converting new area.
Suitable location can get more customers. Thats way MMBL needs to established theire
unit officers in the crowded places.
MMBL uses more interactive and effective advertisement around the country and using
add on TV for the business development.
Increase marketing activities in the urban area because other competing industries are
given Hugh and in urban area which helps them in increase their customer base.
ATM booths are not enough for client, so bank should increased the number of their ATM
booths,
Modhumoti Bank limited should offer international credit card, because in modern world
the use of increasing paper currencies is decreasing,

2
3
4
5
6
 CHAPTER-6

INTERNSHIP EXPERIENCE
6.1 Work, workflow and people met:

I worked in remittance section of MMBL, Uttara Branch. It was my fast experience to work any
organization. Remittance section is an important section of any banking section. I opened
customer accounts and also writing the Deposit slips and Credit voucher of customers. I also
take the Cheque book requisition and provided the Cheque book to the customers. I also
worked in Pay Order section. I am also working at FDR section and open FDR account. I also
checked the bank daily transaction voucher. Such as - cash, transfers, clearing.

6.2 Significant pleasant and limitation of the report:

There are some limitations in my study. I faced some problems during the study. These are given
below:

Lack of time: The time period of this study is very short. I had only 8 weeks in my hand to
complete this report, which was not enough. So I could not go in depth of the study.

Secondary information: There was a lack of proper secondary information for MMBL and its
product. Annual report, policy guidelines, website and other related documents do not cover full
and sufficient information.

Insufficient data: In order to guard the secrecy of the bank, MMBL is not interested to disclose
some certain information that is required to prepare this report.

Certainty: There was some sort of differences between the data collection from different sources
of information of the same topic.

Lack of Co-operation: As the bank officers are so much busy that it difficult for them to
cooperate with me, which is also a constraint for this report.

Lack of experience: There was lack of experience in collecting information, doing analysis and
taking assessment of the related topics. However as time passed by many of these limitations
faded.
REFERENCES:

Books, Periodicals & Annual Report:

Annual Report of MMBL 2013-2014.

Articles of MMBL.
Bank records and manuals etc.

Websites search:

Website of Modhumoti Bank Ltd, Website: www.modhumotibank.com