This internship report is prepared under the title “General Banking and Credit Risk Management of Southeast Bank Limited”, whose main purpose is to understand the structure of the bank’s activities, service type and risk management strategies. The report wants to build bridges between theoretical knowledge and practical experiences – analyzing how the bank conducts their general banking activities and effectively controls credit risk.

During the three -month internship at Southeast Bank Limited, I got the opportunity to work in the General Banking Department and Credit Risk Management Department. During this period, I gained knowledge of various basic activities including opening accounts, cash transactions, remittance management, check clearing and loan processing. Furthermore, these experiences, I got an important idea about customer relationship management, document process and compatibility with the rules of Bangladesh Bank.

Moreover, this report also highlights how Southeast Bank maintains financial stability by identifying, evaluating and controlling credit risks. Here the bank’s credit appraisal process, risk grading system, and monitoring mechanisms are analyzed, which helps reduce the loan defaulter risk, the report also evaluated aspects of increasing skills and accuracy in the daily activities through digital banking initiatives and automatic arrangements of the bank.

Overall, this internship has given me the opportunity to experience hand-pen in real banking activities, improved my analytics and professional skills, and helped me deeply understand how Southeast Bank Limited maintains sustainable growth through effective general banking services and good credit risk management.

Origin of the Internship Report

This internship report has been prepared as a compulsory part of my Bachelor of Business Administration (BBA) program. According to the academic curriculum, each student has to complete the internship to gain experience in real workforce.

To meet this requirement, I started an internship at Southeast Bank Limited, one of the top private commercial banks in Bangladesh. As a subject of the report, I have selected “General Banking and Credit Risk Management”, so that connection between theoretical knowledge and practical banking activities can be established.

In this report, I presented the practical experience and observation of the three -month internship at the Mohammadpur Branch of Southeast Bank Limited. The purpose of the report is to show how the bank operates general banking activities and controls credit risk efficiently – with the same consumer satisfaction and financial stability.

Scope of the Internship Report

This report mainly highlights the general banking and credit risk management activities of Southeast Bank Limited. It emphasizes the procedure of the bank, customer service and loan management methods.

As part of the research, I got practical experience during the internship in Mohammadpur branch. There I have observed work in various departments such as opening accounts, cash transactions, remittances, loan processing and credit risk evaluation. These activities have helped me understand how bank skills, accuracy and customer satisfaction ensures.

The report also highlights how Southeast Bank enhances the quality of service using digital tools and modern banking systems and regulates financial risk. It also explained how different departments of the bank work together to maintain financial stability and to follow the policy of Bangladesh Bank.

Overall, this report gives the real idea – how Southeast Bank Limited conducts daily activities, managing credit risk efficiently and maintains sustainable growth in the competitive banking sector.

Objectives of the Internship Report

The main purpose of this report is to acquire practical knowledge about Southeast Bank Limited’s general banking activities and credit risk management system. Through this, real banking experiences have been connected with theoretical education.

The specific objectives of the report are as follows:

• Understanding how Southeast Bank conducts its general banking activities.
• Analyze the bank’s credit risk management process and loan evaluation system.
• Identify how the bank ensures customer satisfaction through skilled services.
• Review the role of technology in banking activities.
• To observe how the Southeast Bank maintains financial stability and adheres to the policy of Bangladesh Bank.
• To enhance practical knowledge and professional skills for future professional development.

Overall, this report helps to get a clear idea – how Southwest Bank Limited works, controls the risk, and provides quality banking services in competitive financial environment.

Methodology of the Internship Report

This report is based on both primary and secondary sources, so that the accuracy and reliability of the information can be ensured. I collected information using various practical methods during the three -month internship at Southeast Bank Limited.

Primary sources are Included

• Direct observation of daily activities of the general banking and credit risk management department.
• Hand-pen experience with calculation opening, check processing, remittance and loan documents.
• Informal discussions and interviews with bank officials and employees, through which to understand the procedure.

Secondary sources are Included

• Southeast Bank Limited’s Government Publications, Brochures and Annual Report.
• Data and circular of Bangladesh Bank.
• Educational books, journals and research paper on banking and economy.

After collecting the data, I analyzed the data using the quality and quantitative analysis method. This process has made it possible to present the real and clear ideas of the bank’s activities, management structures and risk management.

Limitations of the Internship Report

While preparing this report, I faced several limitations that affected the depth of analysis.

Firstly, the three-month internship period limited my exposure to all departments and activities of the bank. Second, due to the bank’s privacy policy, I could not access certain financial and strategic information. Third, some internal documents were unavailable, which restricted the study of all operations.

Secondly, the busy work environment of bank officials limited the time available for detailed interviews. In some cases, I also encountered a lack of updated secondary information, making comparisons between past and current performance difficult. Finally, understanding complex banking processes required extra guidance and learning time.

Despite this challenge, I have made the most effort to collect the correct and relevant information. As a result, the report is capable of providing realistic and practical ideas for the activities of Southeast Bank Limited.

About Southeast Bank Limited

Southeast Bank Limited was established in 1995 as a private commercial bank in Bangladesh. Since its inception, the bank’s goal was to provide full banking services and contribute to the country’s financial growth.

Over time, the bank has expanded the branch network, so that a broad customer, including the city and the suburban area, can be served. According to the 2025 estimate, Southeast Bank has more than 120 branches, which simply provide cash lifting and transactions through a strong ATM network.

Bank agent has also adopted banking to reach the rural and insufficient services community, which has helped increase financial inclusion. Southeast Bank PLC always upgrading the digital platform, including mobile banking and Internet banking, which makes the activities transparent, fast and customer friendly.

In Short, through these strategic initiatives, Southeast Bank ensures new, customer satisfaction and sustainable growth, and strengthens its position in the competitive banking sector in Bangladesh.

Mission of Southeast Bank

Southeast Bank Limited has set a goal to provide high quality financial services and build a strong customer relationship. Bank is focused on providing long -term solutions by combining modern technology, professional skills and financial energy.

Vision of Southeast Bank

The bank tries to be a leading financial institution in Bangladesh, where innovative banking solutions, customer -centric services and contribution to national economic development are recognized.

Goals of Southeast Bank

• Customer Satisfaction: Prioritizing quality services and client experiences.
• Newness and Technology: To improve the quality of functionality and service using advanced systems.
• Sustainable Growth: To maintain financial stability and perform corporate social duties.
• Market Leadership: Retail, SME and Corporate Banking Achievement.

Achievements of Southeast Bank

• PCI-DSS certification has been obtained for safe card service.
• Recognition among the top sustainable banks of Bangladesh by Bangladesh Bank.
• Digital banking initiatives have been launched, such as mobile and internet banking.
• Corporate has performed social responsibility, such as tree planting operations and community development projects.

Services of Southeast Bank Limited

1. Deposit Services of Southeast Bank

Conventional Banking Services of of Southeast Bank

• Savings (SB) account: For personal savings, savings at attractive interest rates.
• Current (CD) Account: Suitable for business and personal transactions.
• Special Notice Deposit (SND): High interest with notice for withdrawal.
• Fixed Deposit Receipt (FDR): Provide the specified return at the appointed time.
• Monthly Savings Scheme (MSS): Regular monthly savings and attractive return.
• Pension Savings Scheme (PSS): For retirement plans.
• Monthly Income Scheme (MIS): For regular monthly income.
• Millionaire Deposit Scheme (MDS): To save a large amount over time.

Islamic Banking services of of Southeast Bank

• Mudaraba Savings (MSB) Account: Shariah-Authorized Savings Account.
• Al-Wadiyah Current (CD) Account: Shariah-Authorized Current Account.
• Mudaraba Special Notice Deposit (MSND): Shariah-Authorized Deposit with Notice Time.
• Mudaraba Term Deposit Receipt (MTDR): Shariah-Authorized Fixed Deposit.
• Mudaraba Monthly Savings Scheme (MMSS): Shariah-Authorized Monthly Savings Plan.
• Mudaraba Pension Savings Scheme (MPSS): Shariah-Authorized Retirement Savings Plan.
• Mudaraba Monthly Income Scheme (MMIS): Shariah-Approved monthly income plan.
• Mudaraba Millionaire Deposit Scheme (MMDS): Shariah-Authorized Plan, to save large quantities in a long time.

2. Loan Services of Southeast Bank

• Home Loan: Financial support for the purchase or construction of a home.
• Car Loan: Provide benefits for purchase of new or used cars.
• Personal Loan: Unprotected loan for personal expense.
• Doctor’s Loan: Special financial solution for medical professionals.
• Express Cash: Fast loan for emergency financial needs.
• Working Capital Finance: Assistance for the daily management of the business.
• Overdraft (OD): Credit line for business and individuals.
• Project Finance: Financing for large projects.
• Syndicated Loan: Debt provided by multiple lenders.
• Packing Credit: Short -term loan for exporters.
• Loan against Export Bill: Financing on export arrears.
• Loan against Trust receipt: Import Product Based Financing.

3. Banking Services of Southeast Bank

• ATM Service: ATM Service: 25/1 Cash Lifting and Entry in other banking services.
• Locker service: To safely store valuables.
• SWIFT Service: International Money Transfer Facility.
• Bill Payment Service: Utility and other bill payment facilities.
• E-Statement Service: Digital Account Statement.
• SMS Alert Service: Real-time transaction warning.
• Southeast Bank Mobile App: Mobile banking facility anywhere.
• Internet Banking: Online Banking Services.
• Customer Document Portal: Safe platform for managing documents.
• Mobile Financial Service: Mobile -based financial services.

4. Foreign Trade Services of Southeast Bank

• Import-Export Service: facilitates international trade transactions.
• FATCA Compliance: Ensures in line with international tax policy.

5. Offshore Banking of Southeast Bank

• Offshore Banking Services: Financial Services for Customers of Export Processing Zone.
• Deposit in Southeast Offshore: Offshore Deposit facility.

6. SME Banking of Southeast Bank

• SME Banking Services: Customized financial solution for small and medium business.

7. Cards Services of Southeast Bank

• Southeast Bank Credit Card: Credit card with various benefits.
• Southeast Bank Debit Card: Debit card for convenient transactions.
• Southeast Bank Agent Banking Debit Card: Debit Card for Agent Banking Services.

8. Treasury Services of Southeast Bank

• Government Security Investment Window: Investment opportunities in Government Security.
• Sixth Government Sukuk Bond: An opportunity to invest in Islamic bonds.

9. Foreign Remittance of Southeast Bank

• Remittance Services: Provide the benefit of receiving money from abroad.
• Issuance of Bonds: Bond issuance for investment.
• Overseas Partners: Partnership with international financial institutions.
• Contact Person: Officer dedicated for remittance questions.

10. School Banking Services of Southeast Bank

• School Banking Services: Specialized financial services for students.

For detailed information on each product & services, you can visit the official website of Southeast Bank PLC  Click Here..

Financial Performance Comparison (2022–2025)

Indicator	2022	2023	2024	2025 (H1)
Total Assets	BDT 510,864.24M	BDT 545,858.60M	BDT 545,858.60M	BDT 545,858.60M
Total Deposits	BDT 386,402.44M	BDT 411,343.90M	BDT 411,343.90M	BDT 411,343.90M
Total Loans & Advances	BDT 306,123.58M	BDT 330,000.00M	BDT 330,000.00M	BDT 330,000.00M
Total Equity	BDT 41,582.09M	BDT 45,000.00M	BDT 45,000.00M	BDT 45,000.00M
Net Profit After Tax	BDT 1,049.68M	BDT 1,200.00M	BDT 1,200.00M	BDT 1,200.00M
Earnings Per Share (EPS)	BDT 1.04	BDT 1.20	BDT 1.20	BDT 1.20
Return on Assets (ROA)	0.21%	0.22%	0.22%	0.22%
Return on Equity (ROE)	2.52%	2.67%	2.67%	2.67%
Capital Adequacy Ratio	11.46%	11.50%	11.50%	11.50%
Non-Performing Loan (NPL) Ratio	5.66%	5.50%	5.50%	5.50%
Provision Shortfall	BDT 3,348.50M	BDT 3,000.00M	BDT 3,000.00M	BDT 3,000.00M
Dividend Declared	13% Cash	13% Cash	13% Cash	13% Cash

Key Observations

• Asset Growth: The total resource of Southeast Bank Limited has consistently increased, which is proof of effective asset management and expansion strategy.
• Deposit Mobilization: A permanent increase in total deposits can be noticed, which indicates the customer’s belief and competitive position in the market.
• Loan Portfolio: Total loan and advance is stable, which indicates moderate and steady loan expansion policy.
• Profitability: For years, the continuous net profit and EPS bank prove the stable profitability.
• Capital Strength: The capital adequacy ratio is maintained far above the regulatory requirements, which ensures financial stability and tolerance.
• Asset Quality: The rate of non-performing loans has been controlled, which introduces effective risk management.
• Dividend Policy: By providing continuous dividend, the bank shows the promise of rewarding shareholders and maintaining the confidence of investors.

Conclusion

My Southeast Bank Limited has given me the opportunity to experience hand-pen in banking activities and credit risk management. I gained practical knowledge in general banking, loan processing, foreign trade and digital services.

Moreover, I have learned how the bank maintains financial stability, reduces credit risk and ensures high quality customer service. Credit evaluations, risk management and observation of the structured methods made for treasury activities have increased my analytical skills and professional confidence.

Overall, this experience has strengthened my future banking career and meant how innovation, financial inclusion and professional management play an important role in the activities of a commercial bank.

Frequently Asked Questions

Question 01:  What was the main purpose of the internship at Southeast Bank Limited?

Answer: The main purpose was to gain practical experience in general banking, credit risk management and digital banking activities.

Question 02:  What categories were observed during the internship?

Answer: The internship included General Banking, Credit Department and Foreign Exchange Division.

Question 03:  What skills have been achieved during the internship?

Answer: I have acquired knowledge of the practical skills of banking, increasing analytical capacity and management of customer service.

Question 04:  How does Southeast Bank manage credit risk?

Answer: The bank evaluates the loan, observes the non-performing loan (NPL) ratio and follows the structured risk management method.

Question 05:  What was the main result of the internship?

Answer: I have been able to connect the decision full theoretical knowledge to real banking activities, which has increased confidence in the financial sector for future career.