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This internship report is on the Function Activities of NCC Bank PLC, where the bank’s overall activities structure, original banking activities and service skills are highlighted. During the three-month internship program, I got the opportunity to work on General Banking, Credit Division and Foreign Exchange Division. Through this experience, I have acquired real knowledge about the daily activities of the bank, strategy for maintaining financial stability and the method of achieving customer satisfaction through modern banking services.
The report analyzes how NCC Bank Limited conducts deposits, loans and foreign trade activities and at the same time conducts its activities in accordance with the rules of Bangladesh Bank. In addition, how the bank is improving the quality of service using digital banking technology and maintaining competitive position in the financial sector is also presented in detail.
During this internship, I have gained practical experience in open accounts, check clearing, remittances, loan processing and foreign trade documentation. This learning process has created an effective bridge between theoretical knowledge and practical application.
All in all, this internship experience has given me a deep idea about the internal activities of NCC Bank Limited, the importance of customer relationship management and the role of sustainable growth by providing skilled services.
Objective of the Internship Report
The main purpose of this internship report is to acquire practical knowledge of the activities of NCC Bank PLC and understand how a commercial bank conducts daily activities. In addition, the main goal of this report is to connect the theoretical knowledge acquired through academic studies with real banking activities.
The specific objectives of this reports
- To gain an idea of the overall activities and management method of NCC Bank PLC.
- Analyze the original banking activities including General Banking, Credit Operations and Foreign Exchange Transaction.
- To monitor how the bank provides skilled customer service and maintains financial stability.
- Identify the use of digital and modern banking technology in daily banking activities.
- To evaluate how different departments contribute to the profit of the bank.
- Acquiring practical experience and professional skills, which will help the development of future banking career.
Methodology of the Report of the Report
This report on the activities of the NCC Bank PLC is based on both primary and secondary sources to ensure accuracy and reliability. During the three -month internship, various methods have been used to collect and analyze information related to the activities and services of the bank.
Primary Sources
- To directly monitor daily banking activities in different departments (General Banking, Credit Department and Foreign Exchange Department).
- To gain practical experience by opening the account, checking check processing, remittance and loan documents.
- Direct discussions and informal interviews with NCC Bank PLC officials and employees.
Secondary Sources
- Annual reports of NCC Bank PLC, brochure and official publication.
- Information and data collected from the official website of the bank.
- Circular, Journal and Financial Report of Bangladesh Bank.
- Academic books and research paper on banking and finance.
After collecting data, the results obtained using both quality and quantitative analysis methods have been explained and a clear idea of the overall activities of the NCC Bank PLC has been presented.
Limitations of the Report
Although this internship report on “NCC Bank PLC’s activities” has been prepared through the highest sincerity and hard work, there have been some limitations during the study. These limitations have had some effect on the depth and range of analysis. The main limitations are as follows-
- Time limitations: The three -month internship deadline was not enough to get a detailed idea about all departments and activities of the bank.
- Privacy of Information: Due to the bank’s privacy policy, some important financial and strategic information could not be published.
- Limited access to the document: All activities could not be made on all activities as some internal reports and documents were not accessed.
- Busy work environment: Bank officials could not give enough time for long interviews or details due to regular workload.
- Lack of second information: In some cases there was a lack of updated information, which made it difficult to compare previous and current performances.
- Limitations of the teaching process: Extra time and direction was needed to understand complex banking activities and technical processes as an intern.
However, in these challenges we have tried as much as possible to collect and present the correct information, so that NCC Bank is able to provide a clear idea of its activities.
History and Operational Expansion of NCC Bank PLC
NCC Bank PLC was originally established in 1985 the name of National Credit Limited (NCL), which was aimed at collecting resources for the development of the industrial and trade sector of Bangladesh. In 1992, the NCL was converted to a full-fledged private commercial bank, with paid-up capital of Tk 39 crore. The following year, with the approval of Bangladesh Bank, it started its program as a schedule as Commercial Bank in 1993. This change is identified as an important milestone, which gives the bank the opportunity to expand its banking activities and provide broad financial services.
Over the years, NCC Bank has actively expanded the branch network, so that it can be reached to customers from different regions of the country. As of 2025, the bank has 139 branches and subdivisions, which are strategically located in cities and semi-city areas. These branches provide various banking services, such as deposit collection, loan distribution, trade finance, and digital banking solution. Also, the bank has implemented a strong ATM network, which gives customers the opportunity to lift cash, transfer funds and easily other transactions.
In addition, to the physical branches, NCC Bank agent has accepted banking, where services are delivered to the rural and underserved communities through partnership with local agents. This strategy enhances financial inclusion and remote customers can easily use banking services. Moreover, the bank is consistently developing digital platforms including mobile and Internet banking, which facilitates the activities and enhances customer satisfaction.
Mission
NCC Bank is committed to providing excellent financial services to the community on the basis of customer relations. The bank aims to provide long-term solutions by combining cutting-egg technology, experience and financial energy. Creating a friendly and integrated environment for customers and employees is the central part of this mission.
Vision
The bank has aimed to become a leading financial institution in Bangladesh by solving innovative banking, emphasizing the customer-centric system and contributing to the economic development of the country. NCC wants to establish new criteria in the banking sector by adopting advanced technology and promoting the culture of excellence.
Goals
- Customer-Centric Excellence: Prioritizing customer satisfaction by providing broad products and solutions.
- Innovation and: Use of advanced technology to enhance the quality and performance of service.
- Sustainable Growth: To ensure sustainable and social responsible practice by maintaining financial stability.
- Market Leadership: Retail, SME, and Corporate Banking to achieve the top position in the field.
Achievements
- PCI-DSS Certification: Internationally recognized Payment Card Industry Data Security Standard (PCI-DSS) certification to protect card data.
- Sustainable Banking Recognition: Bangladesh Bank is honored with the top 5 sustainable banks of Bangladesh.
- Digital Banking Initiatives: “Takapay” is launched, which is operated by Bangladesh’s national debit card and entire domestic infrastructure.
- Corporate Social Responsibility (CSR): “NCC Nisorgo” is conducting a tree planting campaign, where youth has been added to the environmental protection program.
NCC Bank PLC’s Management Body
The Board of Directors of the NCC Bank PLC is run by the most famous persons, led by Chairman Alhaj Md. Nurun Nawaz. He is an influential industrialist and entrepreneur who has recognized the Government of Bangladesh Commercially Important Person (CIP). His experience in his long -term business and development sectors gives the bank strong leadership and direction.
Includes experienced professionals and independent directors on the board
- Md. Amirul Islam, FCS, FCA – Audit Committee Chairman
- Mir Sajed-ul-Bashar, FCA-Important role in determining strategic advice and policies
Also, the Executive Committee, Audit Committee, and Risk Management Committee play an important role in determining policy, ensuring rules, and management of risk.
The Senior Management Team led by Managing Director and CEO Md Shamsul Arefin, oversees the daily banking activities and implemented the strategy to achieve the organization’s goals. The collective skills of this team ensure that the NCC Bank PLC maintains excellence in the banking sector and improves customer service and management.
Products & Services of NCC Bank PLC
NCC Bank PLC Personal Customers, Small and Medium Business Institutes (SMEs), Corporate Client and Special Group (such as Women Entrepreneurs) – provide broad banking products and services for all. The bank has launched traditional banking as well as modern and digital banking services.
The main services are:
Deposit products
- Savings Accounts: Retailed to Retail Customers, which helps to develop customers’ savings habits and earn interest.
- Current Accounts: Suitable for business organizations and individuals who often conduct financial transactions.
- Fixed and Term Deposit: This product applies to customers who want to get more interest in investing money for a certain period of time.
- Special Deposit Schemes:
- Youngster Account: Made for young and young customers, so that they can develop savings from an early age.
- Parama Fixed Deposit: A product specially designed for women, which is operated under the NCC Parama program.
Loan and Credit Goods
- Unsecured Personal Loan: This loan is provided for personal needs such as education, travel, or medical expenses without security.
- Car Loan, Home Loan, and Housing Loan: Customers provide loans in simple installments to buy cars, homes or housing projects.
- SME / Commercial Loan: Loan facility specially designed for small and medium business eg.
- SME Commercial Building Loan, Vehicle Loan, Supply Chain Finance etc. Also helps expand business and supply effective capital.
- Working Capital and Trade Finance & Corporate provides financial support for daily business activities and financial support for international trade transactions.
- Structured Finance / Corporate Finance: Project Finance for Large Corporate Project, Syndication Finance, Merger and Acquire (Mergers
Digital and Modern Banking Services
- Internet and Mobile Banking: Retailers can easily transfer money through this platform, pay electricity, gas, water and insurance bills, mobile recharge and various transactions.
- Corporate Internet Banking: Designed for business organizations, where there are modern facilities like transaction services, trade services and account management.
- Green PIN / Instant Card Activation and PIN Management: Customers can activate their debit or credit card through online and change or reset PIN.
- Customer Self-Services (CSS) Portal: Customers can receive loan or credit card application, address or contact information, submit complaints, etc. without going to the branch.
Specialized & Thematic Products
- Female Banking Products: Banking products specially made for female customers only. These include: Parama Nari Shomota, Parama Power Saver, Parama Payroll, and Parama Fixed Deposit. These products include interesting conditions, secure loan facilities against deposits and many other benefits, including the Perol Service.
- SME Products: Various products and benefits made for small and medium entrepreneurs such as Commercial Building Loan, Commercial Vehicle Loan, Supply Chain Finance, and Business Accounts for SMEs.
Other services
- Foreign Exchange and Trade Financing: Import and export activities provide the LET of credit issues, bill negotiations, and international trade transactions.
- Offshore Banking Unit: Provides specialized banking services for foreign currency deposits, international business and border transactions.
- Treasury Services: Increases financial stability and profit by conducting bank fund management, investment, and money market activities.
- Card Services: Debit and credit cards are provided for customers; In addition, there are partnerships with various organizations including VISA to improve digital payment services.
Financial Data & Metrics for NCC Bank PLC
| Metric | Figure / Description | Date / Context | Notes / Implications |
| Non-Performing Loan (NPL) Ratio | ~ 5.66% of total outstanding loans | End of 2023 | Lower than the 6.85% in 2022, showing improvement in credit quality. |
| Amount of NPL / Bad Loans | ~ Tk 12.96 billion | 2023. | This is the nominal amount of bad loans at that time, down from ~Tk 14.36 billion in 2022. |
| Profit Growth (H1 2025 vs H1 2024) | 55.22% year-on-year increase in consolidated profit | First half (Jan-June) of 2025. | Strong growth, can be due to better interest margins, cost management, or reduced provisioning needs. |
| Earnings Per Share (EPS) | Tk 1.04 (H1 2025) vs Tk 0.67 (H1 2024) | First half of 2025. | Good indicator for shareholders; reflects growth in profit. |
| NAV per Share | Tk 23.27 as of 30 June 2025 | Q2 2025. | Reflects net asset backing per share; useful for valuation. |
| Dividend Declared | 13% cash dividend | For FY 2024. | Indicates return to shareholders; also signals confidence in future earnings. |
| Sustainability Recognition | Among Top 10 Sustainable Banks in Bangladesh per Bangladesh Bank | Sustainability Rating 2024 (announced Aug 2025) | Included factors like non‐performing loans, core ratios, capital adequacy. Suggests NCC is performing reasonably well on risk & sustainability metrics. |
| Provision Shortfall | Tk 334.85 crore provision shortfall | As of September 2023 for NCC Bank among eight banks in Bangladesh. | Shows that at that time, NCC Bank had less provision than required against its classified loans. Indicates periods of stress in loan provisioning. For Update Financial Reports Click Here.. |
Conclusion
The Internship at NCC Bank PLC has given me valuable experience on bank activities, including deposits, loans, trade finances and digital banking services. This experience has given me the opportunity to apply the theoretical knowledge to the real environment, which further strengthens my ideas about banking activities and customer services.
NCC Bank demonstrates its promise to innovation, financial inclusion and professional management through its branch network, ATM and agent banking initiatives. Observing their structured methods shows how bank loan evaluation, risk management and treasury activities manage the real banking activities.
On the whole, this internship has been extremely prosperous, which has improved my practical skills, analytical ability and confidence. This experience has provided a solid foundation for future career in the banking and financial sector and will make an invaluable contribution to the professional financial environment.
Frequently Asked Questions
Question 01: What was the main purpose of the internship at NCC Bank PLC?
Answer: The main purpose of the internship was to have practical experience on the activities of the bank, including deposits, loans, trade finances and digital banking services.
Question 02: Which categories were observed during the internship?
Answer: The internship included general banking, credit and loan, treasury, trade finance and digital banking departments.
Question 03: What kind of skills was acquired during the internship?
Answer: The general concept of practical banking skills, knowledge related to customer service, analytical ability and banking activities have improved.
Question 04: How does NCC Bank contribute to financial inclusion?
Answer: Branch network, ATM and agent banking provide banking services in rural and service-deprived areas through banking.
Question 05: What was the main teaching result of the internship?
Answer: Internship has provided practical ideas for banking activities and enhances confidence for future career in the financial sector.
