Internship is a partial requirement condition to achieve a bachelor’s degree. It provides an important opportunity to achieve real ideas about real workplace for students. At the same time, preparing Internship Report on General Banking Activities of the Premier Bank PLC is a challenging experience, which increases the intellectual capacity and analysis skills of the student as an efficient graduate.

As a student of the Bachelor of Business Administration (BBA) program, everyone has to participate in practical training in some institution to meet the terms of internship program. The main purpose of this program is to introduce students to the real workplace. This internship report has been prepared through a deep and detailed analysis on the overall banking activities of Premier Bank PLC.

Practical experience is very important for the real application of theoretical knowledge. Investigating this issue, the internship program has been included in the BBA curriculum. The main goal of this analysis is to introduce students to the real work environment of an organization and create opportunities to apply knowledge acquired in the classroom.

There are some differences between theory and reality. Customer satisfaction and loyalty keeps an organization ahead of its competitors and helps to achieve business success, which ultimately reflects the improved quality management. Premier Bank PLC is one of the major financial services providers across the country.

Premier Bank PLC has been able to create a strong position in customers’ mind through powerful corporate images and reputation. This positive image has helped the bank to grow rapidly in various sectors, including personal banking in Bangladesh. With strong corporate contacts and organizational skills, Premier Bank PLC will be able to effectively utilize existing opportunities and overcome its weaknesses through continuous improvement of service quality.

Origin of the Report

This report has been prepared after successfully completed three months of internship program in the Shyamli branch of Premier Bank PLC. The report has been submitted to analyze the overall activities of different departments of Premier Bank PLC with permission of the program director and highlight the possible aspects of the future development of the bank.

The report is titled “General Banking Activities of Premier Bank PLC”. It has presented in detail the general banking activities, service standards, market expansion strategies and developmental initiatives.

Objectives of the Study

Primary Objective

The main purpose of this report is to meet the working environment of Premier Bank PLC and meet theoretical knowledge acquired from the curriculum of BBA program through real application in a specific case. This has led to connections between student’s academic knowledge and practical experience.

Secondary Objective

1. Analysis of the overall general banking activities of Premier Bank PLC.
2. Presenting a overall contact of Premier Bank PLC.
3. Determining the procedures and mechanisms of general banking system.
4. Identify the potential areas of future development of general banking system.
5. Provide recommendations to make market developmental enterprises more effective.

Scope of the Study

The purpose of this report is to evaluate the financial position of the general banking system of Premier Bank PLC, promotional benefits, procedures, types and existing problems. This study includes activities from the present time since the establishment of the bank.

Besides, this report has been prepared to provide a brief but full-fledged idea of the general banking system. Through this, readers can gain clear understanding of the process of general banking activities and the overall performance of Premier Bank PLC.

Data collection Method

Primary Data

• Direct opinion has been collected from customers. Their experience has been known through questioning.
• Premier bank’s daily banking activities have been monitored directly.
• Personal interviews with bank officials and managers have been taken.

Secondary Data

• Various internal documents of Premier Bank PLC have been used.
• Relevant information has been collected from the official website of the bank.
• Different reports prepared from automatic banking system have been analyzed.
• Annual report of Premier Bank PLC has been used.
• Additional information has been collected through personal discussion with investors.

Limitations of the Study

• As the research is conducted in a limited range, only a small number of customers have been surveyed.
• In some cases the concept of banking activities of customers has been difficult to know clearly.
• Some important information in the bank could not be collected due to privacy.
• The duration of internship was limited to data collection opportunities as only three months.
• Collecting deep and detailed information about the bank was relatively difficult.
• Officers of Premier Bank PLC could not give enough time to negotiate as they were busy in their respective responsibilities.
• There was a shortage of information needed for research.
• Limitations in monitoring activities in some cases due to shortage of real experience during internship.

Overview of Premier Bank PLC

Premier Bank PLC is a private commercial bank in Bangladesh. After receiving a license of Bangladesh Bank, the bank started operations on 10 June 1999. The head office of the bank is located in the Banani area of Dhaka at 42 Kemal Ataturk Avenue. Since the beginning, the bank has continuously improved by providing customer-centric financial services.

Currently, the Premier Bank is operating a wide range of networks across the country. The bank has about 136 branches, 67 subtitles and about 130 ATM booths. As a result, customers in both cities and villages can easily accept modern banking services. These branches are helping to meet the financial needs of both retail and corporate customers.

Also, the Premier Bank provides a versatile service portfolio. These include retail banking, corporate banking, SME funding, Islamic banking services, credit card and digital banking facilities. Besides, the bank is modernizing regular delivery channels to increase customer service quality development and financial inclusion.

The Bank is led by Chairman Dr. Arifur Rahman and Managing Director and CEO Mohammad Abu Jafar. Their skilled leadership plays an important role in expanding strategic planning and activities of the bank.

Moreover, the Premier Bank is currently strengthening the quality and expansion of service through branch transfer, deploying new ATM and expansion of technology-based services.

In summary, the Premier Bank PLC has made important contributions to the overall economic development of individuals, business institutions and the country, combining a strong branch network and diverse financial services.

Premier Bank PLC- Vision

The bank holds clear vision about its final goal. After all, being the best among top financial institutions is the main goal of the bank. This Vision leads Bangkok to continuous development, innovation and excellence.

Premier Bank PLC- Mission

• The bank wants to be the most caring and customer-friendly financial service provider, so that more people and more broad areas create opportunities.
• Innovation in all activities strongly adopts efficiency and reduces cost per transaction.
• All businesses operated by the bank ensure high quality transparency and moral criteria.
• Increase the value of capital to investors by providing stability and healthy growth guarantees.

• To be socially responsible and try to improve people’s lives by making effective contributions to national development.
• Provide an associate and enthusiastic working environment, to attract skilled workers and encourage them to work for the bank.

SWOT Analysis-General Banking Activities of Premier Bank PLC

Strengths

• The bank has good reputation in the market.
• No unethical or unlawful business involvement.
• Managing activities in targeted or centralized markets.
• Officers are highly skilled.
• Executives are highly qualified and experienced.
• There are many interesting deposit schemes in the bank.
• The Bank applies it`s effective management policies.
• There is well-diversified loan portfolio.
• The type and mixture of deposit is very stable.

Weaknesses

• Limited time experience in banking industry.
• Training activities for employees are not often.
• complex loan policy.
• The market share of private investors is small.
• A limited number of ATM booths.

Opportunities

• Each person or per person’s annual income is increasing.
• Private banks are becoming more credible to the local people.
• New ideas are coming in this industry.
• Foreign trade is increasing day by day.

Threats

• There are many competitors in the market.
• More than competitors.
• The government imposes income tax.
• The government presses to reduce the interest rate of debt.
• New Bank is coming to the market.
• Government regulations are getting tough day by day.

Premier Bank PLC General Banking Activities

When working at Premier Bank, I got acquainted with the general banking activities. There is a lot to learn in general banking, but I couldn’t learn everything due to time limitations. Yet I have participated in some activities, such as:

Open different types of accounts according to customer’s demand

• Local Remittance (Uncoming/Outgoing)
• Issue checkbook
• Registered in the entry book of checkbook
• Pay order writing
• Stop the payment
• Transfer Funds
• Maintenance and balance of all security paper
• Closing the account
• Provide locker service
• Evening Banking
• Weekly report sent to head office
• Monthly Report sent to the head office
• Cash Transaction Report (CTR) and create suspicious transaction reports (STR)
• Clearing check
• Supplementary
• Identify error in the opening form of the account
• Thanks sending letter etc

Financial Performance of Premier Bank PLC (Recent Years)

Financial Year / Period	Net Profit / Loss	EPS (approx.)	Dividend	Key Notes
2023	Profit surged ~6% year‑on‑year	Tk 3.37	12.50% Cash	Profit increased compared to 2022.
2024	Tk 134 crore (Profit after tax)	Tk 1.09	No dividend (first time since listing)	Profit declined ~68% year‑on‑year; no dividend declared.
Jan–Jun 2025	Tk ‑136 crore loss (H1)	EPS ~‑1.11†	No dividend	Bank posted a H1 loss; operations under pressure.
Q3 2025	Tk ‑541 crore loss (Jul–Sep)	EPS ~‑4.39	N/A	Rising interest expense eroded earnings.

Notes:

• EPS (Earnings per Share) or share income is based on the possible value and reported results or related news publications.
• Bank did not provide dividend in 2024, which was the first time since listing in 2007, the shareholders weren’t dividend.
• Loss appears in the first half (H1) and the third marginal (Q3) of 2025, which is the indicator of ongoing financial pressure due to high interest costs and weaknesses of original banking activities.
• Recent Update Report Click here

Market Development Initiatives of the Premier Bank PLC.

At the time of internship it was a great opportunity for me to know how to work there in reality. This is a once in a lifetime opportunity to gain experience & knowledge through practical. I’ve learned a lot in these three months. It is an important experience of getting ideas about banking system, its general activities and the work of different departments. However, I think that Bangkok needs to improve their market expansion activities in some specific sectors. Described in detail below.

Market Development Initiatives

• Improve Products and Service: Premier Bank must improve and effectively improve their products and services so that customers get more benefits.
• Improve the online banking sector: Their online banking system should be more effective. Because there are limited benefits online now.
• Tell the customer about the banking process: Many customers don’t know about the bank process. Customers may differ, as some are educated while others are uneducated. So bankers should inform customers in detail about all the processes of the bank.
• Collection of competitors’ information: It’s important to know what other banks are doing. Because if there is advantage in another bank, the customer will go there. So it is necessary to know about the competitor bank’s activities.
• Employee training increase: Employees should be given more training in the banking sector for personal improvement. There are many new features that they don’t know. So employee training is important.
• Not only sell banking products, but also sell brand: Not only sell products is important, branding is also important. If the customer knows about the brand, it will be interested in connecting with the bank.
• High quality market integrity promotion: which products should be promoted more competitive. This will allow customers to understand the difference in the bank’s products.
• Improve credit and debit card benefits: Premier Bank card benefits are lower than other banks. Sometimes the card is stuck on the booth. So it should be improved.
• Opening Customer More ATM Booth: Customers are disadvantages due to some ATM booths in the current. So more own ATM booth should be opened.
• Locker service safely operate: Many customers seek locker service at the customer service center. Premier Bank must provide this service. It will also attract other bank customers.

Conclusions

The purpose of conclusion internship is to create bridges between theoretical knowledge and real experience as part of the Bachelor of Business Administration (BBA) program. This report is the result of three months internship of Premier Bank PLC.

The main focus of the report is the general banking process of deposit, bill and clearing department of the banking department. As a student of marketing department, understanding the process of banking is important for me. This report helped me understand the activities of Banking Service and General Banking Department.

This experience will also help my professional development in the future. Although Premier Bank PLC. One of the most prospective banks of Bangladesh, it has been successfully operating the business for a long time. Within a limited time, the bank has created good position in the banking sector and has gained a strong reputation and loyalty to the customer through providing excellent service.

Frequently Asked Questions

• Question:  When was Premier Bank PLC founded?
• Answer: June 10, 1999, Banani, Dhaka.

• Question:  Who runs Premier Bank?
• Answer: Dr. Arifur Rahman (Chairman) and Mohammad Abu Zafar (MD and CEO)

• Question:   How many branches and ATMs?
• Answer: 136 branches, 67 sub-square and 130 ATM across the country.

• Question: What is Premier Bank providing?
• Answer: Retail Banking, SME Banking, Corporate Banking, Forex, Credit Card and Digital Banking.

• Question:   Have any financial problems recently?
• Answer:  Yes, profits have declined in 2024, damaged in 2025 and suspended dividend in 2024.