This internship report is based on the topic of “General Banking Program of AB Bank Limited”, which highlights the practical experiences acquired during the training in the bank. AB Bank Limited, founded in 1982, is the first private commercial bank of Bangladesh. The main goal of the bank is to provide innovative, honest and customer -centric financial services.

During the internship, I worked in the General Banking Department, which is the main center of all the activities of the bank. In this department, account is opened, cash transactions, remittances, check clearing and customer services operated. I also observed, how the bank maintains transparency, accuracy and skills in every process. Furthermore, I gained a real understanding of operating safe banking by following the rules of Bangladesh Bank, KYC (Know your customer), and AML (Anti-Money Laundering) principles.

Origin of the AB Bank Internship Report

The report was created as the result of a three-month internship at AB Bank Limited. The successful completion of the Bachelor of Business Administration (BBA) program at the School of Business and Economics (SoBE), United International University, primarily depends on the preparation and submission of the report.

Objective of the AB Bank Internship Report

The main objective of this report is to fulfill AB Bank Ltd.’s request. But this study’s objectives are a little bit wider. The categories for these objectives are as follows:

Primary Objectives

This report’s primary goal is to assess how effectively AB Bank Limited generally performs in the delivery of goods and services to consumers in Bangladesh’s banking industry.

Secondary Objectives

• Set academic knowledge to use in an actual-life situation.
• Keep an eye on the office environment at commercial banks.
• To evaluate the present relationship between bankers and customers.
• To appreciate a bank’s overall purpose.
• To build a bridge between theoretical and actual procedures used in regular banking operations.
• To get practical experience working at AB Bank Ltd. Mohakhali Branch.

Methodology AB Bank Internship

The methodology explains all the steps that have to be taken to complete the study and produce a report with the results. Data gathered from both primary and secondary sources were used to compile this study.

Primary sources of Information

• Include personal observations made while online.
• Real-world job experience at a different bank location.
• Individual consultations with relevant customers.
• A conversation with executives of customer service.
• Documents that are relevant to the research and had been provided by officials.

Secondary Source of Information

• Annual report of AB Bank.
• Website of AB Bank Limited.
• Publications and guidelines of AB Bank Limited.
• Files and documents provided by officers.
• Research from the internet.
• Relevant research papers, journals, and newspapers.

Limitations of the Study

The study was conducted with an intention of making it as complete and accurate as possible. However, limitations are a part of all studies conducted and I too faced some which have been discussed below:

• A short time of months for completing a thorough analysis of AB bank’s overall banking operations. It was challenging to take in everything in such a short amount of time.
• A study requires analysis of as much recent data as possible. There was a lack of current data in some cases.
• Due to some legal obligations and confidentiality issues banks are reluctant to provide some data. This study is limited to available published data and conversations with various individuals.

History & Background of AB Bank PLC.

AB Bank PLC, which was originally known as Arab Bangladesh Bank Limited, was established on December 31, 1981 as the first private commercial bank in Bangladesh. The bank officially started operations on April 12, 1982. Although a limited range of Dhaka started in Dhaka, AB Bank has established itself as one of the major private banks of Bangladesh over time.

In the 2007, after the 25 year anniversary, the bank changed its old name and rebranded the name of AB Bank PLC, which is considered as a symbol of modern identity, innovation, and more strong relationships with the customer.

At present, AB Bank is providing services through extensive branches, sub-brunch, agent banking outlets and ATM networks in various places of Bangladesh. Moreover, the bank also has a presence abroad-a branch in Mumbai, India, a representative office in Yangon in Myanmar, and a subsidiary company in Hong Kong.

Since its inception, AB Bank has given special importance to customer service, technical innovation, and diversification of service. AB Bank is also regarded as the pioneer of the introduction of many new services and concepts in the private banking sector of the country.

Mission

• Provide innovative and customer -centric financial solutions.
• Maintain honesty, transparency and accountability in all activities.

Vision

• To be the most trusted and technology -based bank of Bangladesh.

Goals

• Expansion of digital and agent banking services across the country.
• To ensure sustainable financial growth.
• To strengthen customer relationships through skilled services.

Achievement

• AB Direct, Internet Banking has launched modern digital platforms.
• Branches and ATM networks have expanded.
• Recognized for corporate governance and digital innovation.

Throughout the internship, I have acquired communication, teamwork and document management skills. Besides, I closely understand how general banking activities support the overall financial structure of the bank.

Recent Products and Services of AB Bank PLC

1. AB direct (internet banking app)

• AB Bank has replaced/upgraded its internet banking app “AB Direct“, which gives customers the opportunity to make banking transactions anywhere.
• The app supports the basic services including balance check, fund transfer, utility bill payment.

2. New Deposit Products

• AB ILham: Shariah -based deposit products, attractive profits.
• AB AMani: Shariah based products for female customers, including attractive insurance coverage.
• Kotipoti Deposit Scheme (KDS): Personal and corporate customers can achieve the goal of becoming “billionaire” through systematic savings.
• AB Shasando (AB comfort): Interest-bearing current account and overdraft facilities, mainly for salaries.

3. Digital Loan

• Digital loan services have been introduced through partnership with Filps Limited, which gives customers quickly access to loan.

4. Extension of Agent Banking and Retail / SME Banking

• Bank gives strategic priority to SMEs, CMSMEs (cottages, small, medium entrepreneurs) and retail banking.
• There are plans for more agents banking and sub-burn expansion, which are helpful to reach the under-banked and lower-income population.

5. Cloud Integration and Digital Infrastructure

• The bank is improving its data centers and cloud technology capacity by partnership with Axentec PLC (Robi Axiata’s Subsidiary). This ensures digital service skills, safety and scalability.

Financial Performance Overview AB Bank PLC (2023–2025)

Financial Metric	2023	2024	2025 (H1)
Profit After Tax (PAT)	BDT 72 crore	BDT -1,906 crore	BDT -1,758 crore
Earnings Per Share (EPS)	BDT 0.79	BDT -21.02	BDT -16.78
Net Asset Value Per Share (NAVPS)	BDT 27.87	BDT -12.33	BDT -12.33
Operating Profit	BDT 501 crore	Not disclosed	Not disclosed
Total Assets	BDT 52,322.78 crore	Not disclosed	Not disclosed
Total Liabilities	BDT 48,211.98 crore	Not disclosed	Not disclosed
Shareholders’ Equity	BDT 4,110.80 crore	Not disclosed	Not disclosed
Loan to Deposit Ratio	92.26%	86.27%	Not disclosed
Cost-Income Ratio	52.25%	Not disclosed	Not disclosed
Capital Adequacy Ratio (CRAR)	10.31%	Not disclosed	Not disclosed
Return on Assets (ROA)	0.17%	Not disclosed	Not disclosed
Return on Equity (ROE)	2.78%	Not disclosed	Not disclosed

Note:

• Information of 2024 and 2025: Due to the financial challenges of the bank, the specific financial data of 2024 and 2025 are limited.
• Operating Profit: Detailed operating profit information of 2024 and 2025 is not available.
• Total resources, liability and equity: The specific numbers available for 2024 and 2025 have not been published.
• For recent information pleases click here AB Bank Annual Reports

Conclusion

Being the country’s first private commercial bank, AB Bank Ltd. has made a significant contribution to the growth of the Bangladeshi economy. The general banking division’s highly qualified, seasoned, and competent staff members guarantee prompt and effective service delivery, allowing the business to fight directly with national and international commercial banks in the market. The section is also very rigorous about adhering to the guidelines established by Bangladesh Bank. These reasons make this section an excellent location for a recent finance undergrad to complete an internship. Overall, it can be argued that my enjoyable job experience at AB Bank will benefit me in the future.

Question 01: What is the main purpose of this internship?

Answer: The main purpose was to acquire practical knowledge of general banking activities, such as opening accounts, cash transactions, remittances, and customer services, as well as learning theoretical ideas in academic study.

Question 02: Where was the internship done?

Answer: I completed my internship at AB Bank PLC, its one of the first private commercial bank in Bangladesh.

Question 03: What activities were included in the general banking during the internship?

Answer:

• Account Open and KYC (Know your customer) consent
• Cash deposits and lifting activities
• Domestic and Foreign Remittance Services
• Check processing and clearing
• Customer service and management of complaints

Question 04: How did this internship created bridge between theoretical knowledge and practical experiences?

Answer: The internship has given the opportunity to monitor practical banking processes, which connect the financial management of the classroom, banking rules and the theoretical knowledge of customer service to the application of daily activities.

Question 05: How long did the internship last?

Answer: The duration of the internship is usually 8-12 weeks, which is similar to the directive of the AB Bank’s Internship program.