This internship report was titled “The Premier Bank PLC’s financial effectiveness and loan-competitive analysis “. The report is centralized to understand how the bank contributes to the financial growth of Bangladesh and competition. Banks play an important role in the economic development of a country, and the Premier Bank PLC, as a major commercial bank, is playing a strong role in SME Finishing and is assisting the market-to-service part.

The report is arranged in three main parts. In the first part the company’s brief introduction, mission, vision, values ​​and CSR initiatives are presented. Also, the role of my responsibilities and career as an internship in the head office, and the methods and limitations used during the internship.

In the second part, The Premier Bank has focused on the financial effectiveness of the PLC and competitive analysis of the loan-defamation. Here is the economic context of Bangladesh, the role of women in the economy, and financial inclusion and women’s empowerment through bank loan and deposit projects. The analysis of various success stories and information has been highlighted in the sustainable development of the bank.

In the last part, the experience of the internship, acquired skills and knowledge, and how this opportunity connects academic knowledge to real banking activities. The report has been proposed to increase the competitive power of the bank, as well as the importance of the bank’s financial independence and the importance of promoting inclusive growth.

Objective of the Internship Report on Premier Bank PLC

The main objective of this internship report is to analyze The Premier Bank PLC’s overall financial performance with special emphasis on loan and deposit competitiveness in comparison to other private commercial banks in Bangladesh. The study aims to connect academic learning with real-world banking practices through practical exposure at the bank’s Head Office.

Primary Objective

• To evaluate the financial performance of The Premier Bank PLC, focusing on profitability, liquidity, capital adequacy, and efficiency ratios.
• To conduct a competitive analysis of loan and deposit products, identifying their market position and customer preferences.

Secondary Objectives

• To apply theoretical knowledge of finance and banking in real organizational settings.
• To understand the overall structure and operation of the bank’s financial management system.
• To analyze the trends in deposit mobilization and loan disbursement over recent years.
• To assess how financial performance affects customer satisfaction and growth strategy.
• To identify the strengths and weaknesses in The Premier Bank’s financial operations.
• To provide practical recommendations for improving the bank’s financial performance and market competitiveness.

Methodology of the Internship Report on Premier Bank PLC

The methodology outlines the process followed to prepare this internship report on “Financial Performance and Loan-Deposit Competitive Analysis of The Premier Bank PLC.” The report is based on both primary and secondary data sources, combining practical exposure with academic research to ensure accuracy and relevance.

Nature of the Study

This is an exploratory and analytical study. It focuses on evaluating the bank’s financial performance and understanding the competitive position of its loan and deposit products compared to other private commercial banks in Bangladesh.

Data Collection Methods

a. Primary Sources:

• Direct observation of banking operations during the internship period.
• Face-to-face discussions with bank officials and supervisors.
• Informal interviews with employees of the credit and general banking departments.
• Practical involvement in daily banking activities, including account opening, remittance, loan documentation, and deposit management.

b. Secondary Sources:

• Annual reports and audited financial statements of The Premier Bank PLC (2022–2024).
• Official website and publications of The Premier Bank PLC.
• Reports and circulars from Bangladesh Bank.
• Relevant journals, research papers, and newspaper articles.
• Data from other private commercial banks for comparison.

Data Analysis Techniques

I have analyzed the data collected by analyzing financial proportions, analyzing trends and evaluating comparative effectiveness, and the results clearly and effectively displayed graphs, tables and charts.

Timeframe

I completed the internship for three months in the Premier Bank PLC (Head Office), and collected and analyzed both theoretical and practical knowledge for this report.

Limitations of the Internship Report on Premier Bank PLC

Although this report on “Financial Performance and Loan-Deposit Competitive Analysis of The Premier Bank PLC” was prepared with utmost effort and sincerity, a few limitations were encountered during the study. These constraints slightly affected the depth of analysis and data interpretation:

1. Time Constraints: The internship period of three months was not sufficient to cover every operational and financial aspect of the bank in detail.
2. Data Confidentiality: Many financial figures and strategic insights were confidential. As a result, access to certain internal information was restricted by the bank’s management.
3. Limited Secondary Data: Some updated financial reports and industry comparison data were unavailable or incomplete, making cross-bank analysis challenging.
4. Restricted Departmental Exposure : The internship was mainly conducted in selected departments, particularly the General Banking and Credit Division, which limited understanding of other functional areas.
5. Changing Market Conditions: Rapid economic and policy changes in Bangladesh’s banking sector affected the accuracy of long-term comparisons and projections.
6. Human Error and Subjectivity: Data interpretation and observation depend partly on personal judgment, which might introduce minor subjective bias.

About The Premier Bank PLC

Premier Bank PLC (formerly The Premier Bank Limited) was established under the Companies Act 1994 on June 10, 1999 and received a banking license from Bangladesh Bank on June 17, 1999. The bank’s head office is located at Iqbal Center, 42 Kemal Ataturk Avenue, Banani, Dhaka-1223.

The bank was established. H. B. M. Iqbal led by some viewpoint entrepreneurs, who are also in charge of the founder and chairman Emeritus. The company has been established today as one of the major private commercial banks in Bangladesh. According to the data of 2025, Dr. Arifur Rahman is the chairman of the bank and Mohammad Abu Jafar is the managing director and CEO of the bank.

The bank has expanded rapidly after a limited start. Currently it operates 136 branches, 67 sub-branches, 12 SME/Agricultural Branch, 2 offshore banking units, 133 ATMs, and 186 agents banking outlets. Under the “Service First” brand promise, Premier Bank provides a wide financial solution including retail, corporate, SME and Islamic banking, deposit, loan, remittance, digital banking, card services and trade finances to PLC customers. In October 2023, Bangladesh Bank Premier Bank officially approved the name PLC, to keep in line with the amended company law.

The bank always emphasizes innovation and customer-centered services. Recently, “Branch QR Teller” and “Quick Account” services have been introduced, which makes the transaction fast and convenient. Also, Premier Bank has begun the Bancassureanc service in partnership with LIC Bangladesh and Pragati Insurance Limited, which provides consumers’ unified financial and insurance solutions.

Mission of the Premier Bank PLC

Premier Bank PLC is committed to providing high quality financial services, which contributes to the development of the country and improves the quality of life of the people. The bank tries to create a good and professional environment that attracts skilled and enthusiastic people who are interested in actively contributing to the success of the bank.

Vision of the Premier Bank PLC

The bank aims to be socially responsible and to contribute effectively to the development of the country, through which it is able to improve the overall living standards of the communities providing services.

Goals of the Premier Bank PLC

• Customer-Centric Services: To consistently exceed customer expectations by providing value-adding banking solutions.
• Employee Development: Creating a happy and professional environment that attracts skilled and enthusiastic people who are willing to contribute to the success of the bank.
• Social Responsibility: To be socially responsible and give effective contributions to the development of the country contribute to the development of quality of life.
• Sustainable Growth: Focus on innovation; customer service and financial management achieve sustainable growth.

Achievements of the Premier Bank PLC

• Branch Expansion: As of 2025, the bank operates through approximately 136 branches, 67 sub-branches, 12 SME/agricultural branches, 2 offshore banking units, 133 ATMs, and 186 agent banking outlets nationwide.
• Digital Innovation: Launched services like “Branch QR Teller” and “Quick Account” to make banking faster and more accessible.
• Bancassurance Partnerships: Incorporated bancassurance services via partnerships with LIC Bangladesh and Pragati Insurance Limited to offer integrated financial solutions.
• Awards and Recognition: Received the prestigious “Top-100 Achievements” award, highlighting the bank’s commitment to excellence and customer satisfaction.

Products & Services of the Premier Bank PLC

Account Services & Liability Products

• Current Account: transaction account for individuals & businesses
• Short-Term Deposit Accounts: for customers who want flexible, short duration deposits
• Term Deposit Accounts: fixed deposits for longer durations with higher interest

Savings Account

• A standard savings product offering competitive interest on balances
• Comes with Visa/MasterCard Debit Card and 24-hour ATM access
• Requires a minimum balance (e.g., Tk 500) and interest is paid semi-annually

Digital & Online Banking (Premier Direct / PMoney etc.)

• Premier Direct: internet banking to view account details, make fund transfers, pay bills, request cheque books, etc
• SMS Alert, e-Statement services for accounts and credit customers Online activation of services and viewing of statements free of charge

Corporate Banking & Cash Management Solutions

• Premier Bank offers corporate account services, collection services, payment solutions, and cash management solutions for businesses
• Syndications, structured finance, collection & payment services are part of their corporate product suite

Trade, Remittance & Payment Services

• Remittance and payment services integrated into digital channels via Premier Direct.
• Cross-bank fund transfer and bill payments via the internet banking platform

Financial Highlights & Loan-Deposit of Premier Bank PLC

The Premier Bank PLC has experienced a challenging financial period recently. In 2024, the bank’s net profit dropped significantly, and no dividend was declared due to provisioning shortfalls. In the first half of 2025, the bank did the damage to which the share earnings (EPS) – Tk. -1.11. According to mid-2025, the loan book of the bank (LOAN BOOK) reached Tk 33,921 crore. And total deposits at Tk 35,700 crore. Despite this challenge, bank retail, SME, corporate and digital banking services have continued to provide, where importance and customer service have been emphasized.

Metric	Latest Value / Period	Notes / Source
Net Interest Income (FY 2024)	BDT 5,008 million	From income statement data on Stock Analysis: “Interest Income on Loans = 28,481 ; Interest Paid on Deposits = 23,473 ; Net Interest Income = 5,008”
Net Interest Income Growth	–84.81% (quarterly / TTM)	Showed sharp decline in recent period per Stock Analysis data
Other Non-Interest Income	BDT 11,183 million	From Stock Analysis for FY 2024
Loss / Profit (2024 vs 2025 H1)	2024: net profit plunged 68%, EPS 1.09	In 2025 H1, consolidated loss per share Tk 1.11, NAV per share fell to Tk 20.53, loan book was Tk 33,921 crore, total deposits Tk 35,700 crore
Dividend Status 2024	No dividend declared	Premier Bank skipped dividend in 2024 due to provisioning shortfall
Loan Book (June 2025)	Tk 33,921 crore	As reported in H1 results summary
Total Deposits (June 2025)	Tk 35,700 crore	From H1 2025 unaudited disclosures
NAV per Share (end 2024 & mid-2025)	End 2024: Tk 21.73 ; Mid 2025: Tk 20.53	Share net asset value trends as reported

Conclusion

This internship has provided a extensive experience to understand The Premier Bank PLC’s activities, financial performance and loan-defamation competitive situation. The bank is established as a major player in the private banking sector in Bangladesh and Retail, SME, Corporate and Digital Banking Products widely provided. Despite the recent financial challenges such as decreasing the profits of 2024 and the in the first half of 2025, the bank maintains strong deposit foundation and increasing loans, which reflect its replacement and market position.

Through the internship I have had the opportunity to monitor real banking activities, such as account management, loan processing, remittance and customer services, which has created bridges between educational theory and practical application. Also, I have realized how strategic financial decisions, product innovation and customer-centric services create competitive facilities.

On the whole this experience has enhanced my analytical communication and professional skills and provided a firm foundation for future career in the banking and financial sectors. The Premier Bank shows the PLC’s innovation, transparency and promise of customer satisfaction, and the learning lessons during this internship will be guide to understanding financial management and banking strategies in the coming years.

Frequently Asked Questions (FAQs)

Question 01: What was the main purpose of this internship?
Answer: The main objective was to achieve real knowledge of banking activities, such as account management, deposits, loans, remittances and customer services, as well as attached to academic theory in practical application.

Question 02: Where was the internship conducted?
Answer: I completed the internship at the Head Office of the Premier Bank PLC, mainly focusing on the general banking and credit departments.

Question 03: What key activities were observed during the internship?
Answer: The activities include the opening of the account, KYC consent, cash transactions, domestic and international remittances, loan processing, deposit collection, and management of customer services.

Question 04: How did this internship bridge theory and practice?
Answer: The internship has given the opportunity to monitor practical banking processes, which have helped to connect the economy, banking rules and customer service knowledge to the classroom with daily activities.

Question 05: How long was the internship?
Answer: The internship duration was 8–12 weeks, following the structured guidelines of The Premier Bank PLC’s internship program.