Internship Report on General Banking activities of Dhaka Bank Ltd focuses on how the bank operates its daily activities and provides necessary financial services. The main purpose of this report is to connect academic education with real banking experience and analyze the functionality and customer-centric aspects of Dhaka Bank Ltd.

During the internship I have observed how Dhaka Bank completes its original banking activities such as opening, deposit and withdrawal, remittance, and clearing process. The bank also completes loan processing, funds transfer and customer support with accuracy and professionalism. Every activity reflects the commitment of providing fast, transparent and customer-friendly services to the bank.

Also, the report notes how Dhaka Bank is increasing the quality and efficacy of service using digital technology. Service transactions such as online banking, mobile app and ATM network have made it faster, safe and convenient. These innovations help keep customer satisfaction and trusted.

Moreover, I have observed how common banking, accounting and customer service departments work together to maintain accuracy, cooperation and uninterrupted workflow. This real experience has increased real ideas, analytical skills and communication skills about my banking activities.

Overall, this internship experience has given me valuable knowledge and real experience about the general banking activities of Dhaka Bank Ltd. It has enriched my practical knowledge and has prepared me for professional improvement in the banking and financial sector in the future.

Origin of the Internship Report

The Internship Report of General Banking Activities of Dhaka Bank Ltd is prepared to meet partial conditions of the Bachelor of Business Administration (BBA) program. Internship must be completed for each BBA student, so they can achieve practical experience in professional field.

 To meet these conditions, I worked as an intern at Dhaka Bank Ltd, where I monitored the bank’s general banking activities directly and actively participated in various activities. Through this internship I have had the opportunity to apply theoretical knowledge in the classroom to real banking activities and deeply understand how a commercial bank is operated in Bangladesh.

The “General Banking Activities of Dhaka Bank Ltd” has been selected to analyze the process of increasing efficiency through the daily activities of the bank, customer service, and technology use.

This report summarizes my direct observation, practical education and internship experience.

Through the report I have tried to provide clear idea about the general banking system of Dhaka Bank, the steps of activities, and the contribution of the bank to customer satisfaction and financial development.

Scope of the Internship Report

The range of Internship Report on General Banking Operations of Dhaka Bank Limited is mainly based on understanding how the bank conducts day-to-day operations and serves customers through efficient financial services. This report discusses both practical and analytical aspects of general banking operations.

This report mainly discusses account opening, deposits and withdrawals, remittances, and clearing operations which are the core functions of general banking in detail. Also analyzed is how Dhaka Bank handles loan processing, fund transfer and customer service and how it maintains transparency and reliability.

Also, the report shows how technology and digital banking platforms have improved the service quality and efficiency of banks. By observing actual banking operations, I analyzed how Dhaka Bank has made banking services faster and more convenient by using modern tools like online banking, mobile applications, and ATM network.

Additionally, the report explains how different departments—such as general banking, accounting, and customer relations departments coordinate with each other to ensure accurate transactions and customer satisfaction. The report also mentions the limitations and challenges during the internship and describes how they were overcome.

Overall, the scope of this report provides a clear understanding of the structure, workflow, and service performance of Dhaka Bank Limited. It is a comprehensive learning experience consisting of theoretical knowledge and practical experience.

Objectives of the Internship Report

The main objective of this internship report on general banking activities of Dhaka Bank Limited is to understand through practical experience how a private commercial bank is effectively managed and provides efficient services to customers. This internship helped me to understand in depth the real operations of general banking, beyond just textbook theory.

Specific Objectives

• Understanding how Dhaka Bank Limited conducts general banking operations, such as account opening, cash transactions, deposits and withdrawals.
• Gaining knowledge about the process of remittance, clearing and transfer of funds.
• To see how Dhaka Bank ensures customer satisfaction through quality service and transparency.
• Analyzing how technology and digital banking improve day-to-day operations and reduce processing time.
• Identifying the challenges in general banking operations and identifying possible solutions.
• Meeting the gap between academic education and real banking experience.

Overall, the goal of this report is to analyze how Dhaka Bank Ltd efficiently operates its general banking activities, maintain strong customer relations and adapt to digital transformation in the modern financial world.

Methodology of the Internship Report

This internship report on general banking activities of Dhaka Bank Ltd is based mainly on both primary and secondary research. This research method ensures accuracy and reliability of the information collected during the internship.

Primary Sources

• Direct Observation: I directly observed the day-to-day operations of general banking, accounts, and customer service departments.
• Practical Work: I have done work like account opening, deposit, withdrawal, remittance and clearing.
• Interviews and Discussions: Tried to understand the work flow, policy and service strategy by talking to the bank officials.

Secondary Sources

• Official Documents: Annual Report, Brochure and Circular of Dhaka Bank Limited.
• Online Sources: Official websites of banks and trusted banking journals.
• Academic References: Books, articles and research papers related to banking activities, risk management and financial services.

After data collection I analyzed general banking operations, digital banking tools and customer service processes. A combination of observation, practical experience and secondary research has helped me connect theoretical knowledge with practical banking activities.

This research methodology provided a clear understanding of Dhaka Bank Limited’s general banking operations, operational efficiency and customer-centric services.

Limitations of the Internship Report

While preparing this internship report on general banking activities of Dhaka Bank Limited, I faced some limitations, which affected the depth of research.

Firstly, Time Constraints: The internship period of three months limited the opportunity to fully observe the activities of all departments.

Secondly, Restricted Access: Some internal documents and sensitive financial information were not accessible as per the bank’s confidentiality policy.

Thirdly, Workload of Officials: Due to the limited time of the bank officials/employees, the opportunity for detailed discussion was limited, as a result of which in-depth analysis of some activities was not possible.

Fourthly, Incomplete Historical Data: Trend analysis is limited as updated or comparable data from previous years is often unavailable.

Finally, Complex Processes: Some advanced banking processes required additional instructions to fully understand, which slowed down the monitoring process.

Despite this limitations, I actively collect and analyzed the information I received. The report presents practical education obtained from Dhaka Bank Ltd. is correctly presented in the general banking activities, customer service process, and internship.

Overview of Dhaka Bank Limited

Dhaka Bank Limited (DBL) started its journey in 1995 as a private commercial bank in Bangladesh. From the first day of its establishment, the bank aimed to provide skilled financial services and promote the financial inclusion of the country.

Initially, Dhaka Bank began providing services to the city and semi-city areas with limited number of branches. Over time, the bank has expanded its activities so that more customers can reach service. According to 2025 data, Dhaka Bank has more than 100 branches, multiple sub-divisions and wide ATM networks, which are helpful to make banking services available.

In order to increase financial inclusion, DBL agent has launched banking services, through which people in remote and seeded regions have also been able to get banking services. Also, the bank has increased the benefits, speed and transparency using digital banking platforms such as the Internet and mobile banking.

Dhaka Bank maintains the skills of activities by connecting traditional banking values with modern technology. Attention on customer satisfaction, proper transaction processing, and risk management has developed well-established reputation in the competitive banking sector of the Bank of Bangladesh.

The summary of this program demonstrates that Dhaka Bank has consistently increased, adopted innovative solutions, expanded branch networks and maintained high quality customer service.

Vision

Dhaka Bank Ltd aims to establish itself as a leading financial institution in Bangladesh. The Bank has focused on providing innovative banking solutions and best customer service as well as contributing to the country’s economic development.

Mission

• The mission of Dhaka Bank is:
• Provide skilled banking service.
• Maintain strong customer relationship.
• Increase benefits and transparency using modern technology.

Goal

• Ensure customer satisfaction by providing fast, safe and friendly service.
• Increase financial inclusion through branch expansion, agent banking and digital platforms.
• Maintain effective efficiency and financial stability.
• Strengthen the competitive position of the bank.

Strategy

Dhaka Bank connects traditional banking with digital innovation to achieve its goal. The bank applies strong risk management policy, uses technology for quick transactions and strengthens the brand by managing corporate social responsibility (CSR) enterprises.

In short, this part highlights how Dhaka Bank is providing quality banking services by combining vision, mission, goals and techniques, as well as ensuring sustainable growth and customer confidence.

General Banking Activities of Dhaka Bank Limited

Dhaka Bank Limited conducts various general banking activities so that daily transactions are completed smoothly and customer satisfaction is ensured. The bank efficiently manages various types of accounts including savings, current and fixed deposits and maintains accuracy of all transactions.

• Deposits & Withdrawals: Controls cash deposits, withdrawals, and recurring and term deposits.
• Fund Transfer & Remittance: Domestic and international transactions are done securely and accurately.
• Check clearing and Cash Management: Care is taken to maintain the transparency of the bank’s funds.
• Customer Service: Proper guidance of customers, quick resolution of complaints and effective use of digital banking platform are ensured.
• Loan and Credit Support: Banks also carry out initial credit assessment including monitoring loan applications, disbursements and repayments.

Overall, Dhaka Bank’s general banking activities include account management, deposits, fund transfers, cash management, clearing, customer service and primary loan support. These activities serve as the backbone of the bank’s day-to-day operations and are instrumental in maintaining customer satisfaction and trust.

Product & Services of Dhaka Bank Ltd.

Dhaka Bank Ltd provides various types of products and services to meet the needs of personal customers, small and medium businesses (SME), corporate clients and special customer groups. The bank connects traditional banking solutions to modern digital services, which enhance benefits, functionality and customer satisfaction.

Deposit Products

• Savings Accounts: Helps the customer to save money and gives interest opportunities.
• Current Accounts: For personal and business customers who do frequent transactions.
• Permanent and Term Deposits: Fixed and Term Deposits: Provides more returns for long term investment.
• Special Deposit Schemes: Includes young-centric and women-centric saving programs.

Loan and Credit Products

• Personal Loans: Provide unsafe loans for education, travel or medical expenses.
• Car and Home Loans: Convenient installment facilities for buying cars or property.
• SME and Commercial Loans: Working Capital, Trade Finance and Business Loans.
• Corporate & Structured Finance: Support for big projects, project finance, syndication and mergers and acquisitions.

Digital and Modern Banking Services

• Internet and Mobile Banking: Online transactions, bill payments and account management simplify.
• Corporate Internet Banking: Business Transactions, Trade Services and Accounts Monitoring.
• Instant Card Activation & PIN Management: Digital Card Activation & PIN Management: Digital Card Activation and Safe PIN Control.
• Customer Self Service (CSS) Portal: Loan application, complaint and account updates can be completed online.

Specialized & Thematic Products

• Women-Centric Banking: Saving, Loan and Pay-roll solutions for female customers.
• SME Products: Loans for small and medium business customers, supply chain finance and special calculation.

Other Services

• Foreign Exchange & Trade Finance: Import/export transactions and international trade support.
• Treasury Services: Fund management, investment and money market activities.
• Card Services: Easy digital payment through debit and credit card.

Dhaka Bank connects all these services with modern technology, so that banking is fast, safe and reliable. It is helpful to increase customer satisfaction and confidence.

Financial Data & Metrics of Dhaka Bank Limited (2022–2025)

The following table presents the main financial indicators of Dhaka Bank Ltd in the last four years. It highlights the functionality, growth and stability of the banking sector.

Indicator	2022 (BDT)	2023 (BDT)	2024 (BDT)	2025 Q1 (BDT)
Net Income	3,150.25 million	3,280.40 million	3,510.80 million	920.45 million
Total Assets	380,000 million	410,500 million	450,000 million	120,000 million
Customer Deposits	250,000 million	270,000 million	300,500 million	85,000 million
Loans & Advances	200,000 million	215,500 million	230,000 million	65,000 million
Advances-to-Deposits Ratio	80%	79.8%	76.7%	76.5%
Capital Adequacy Ratio	12.5%	12.8%	13%	13%

Key Highlights:

• Dhaka Bank has gained a series of profits from 2022 to 2024.
• Total assets and customer deposits have increased steadily every year, which reflects the expansion of activities.
• Loans and Advances have increased at stable rate and maintained healthy AD ratio.
• The capital adequacy ratio remains strong, which guarantees the monetary stability and regulatory criteria follow.
• This financial information shows that Dhaka Bank has been able to maintain growth and confidence in combining skilled activities, risk management and customer-centric strategies.
• For recent financial update information of Dhaka Bank Ltd. Click Here…

Conclusion

The Internship at Dhaka Bank Ltd has given me the opportunity to experience hand-colored experience in general banking activities. I actively participated in account management, deposit, withdrawal, remittance and loan processing.

I noticed that the bank uses digital equipment to increase functionality, customer satisfaction and service quality. This experience has given me the opportunity to understand the importance of workflow, proper records and risk management in different departments.

Overall, this internship has created bridges between theory and reality. It has increased my professional skills, analytical capabilities and confidence in managing real banking activities.

Frequently Asked Questions

• Question 1: What was the purpose of the internship?
• Answer: To achieve practical experience in general banking and understand Dhaka Bank’s activities.

• Question 2: What categories were monitored?
• Answer: General banking, account management, loan processing, and customer service department.

• Question 3: What skills have been achieved?
• Answer: practical banking skills, analytical capacity, customer service and digital banking knowledge.

• Question 4: How does Dhaka Bank increase financial inclusion?
• Answer: Provide services to people in remote and branch, ATM and branch for growth of customer number.

• Question 5: What are the main teaching topics from internship?
• Answer: Applying theory in reality, increase confidence and achieve a good idea of banking activities.