The Internship Program is an important part of academic studies. Many universities force students to complete the internship before graduation. This practical experience helps students apply classroom knowledge to the real life environment. Bangladesh Commerce Bank Limited offers internship opportunities for students from various educational backgrounds. The program usually lasts 8-12 weeks, which depends on the university rules. During this time, interns gained extensive banking knowledge by employing various departments. The bank interns hiring a mentor (mentor) during the full time of the bank to guide them. So this program works to bridge academic education and professional experiences. Also, it helps students to develop the necessary skills for future banking careers.

Objectives of the Internship Report

This internship report meets a few important purposes. First, it enrolls the learning experiences acquired during the internship period. Second, it analyzes the overall banking activities of Bangladesh Commerce Bank Limited (BCBL). Third, the report determines the strength and weakness of the bank. Also, it provides recommendations for the development of the bank’s performance. The report is in line with the requirements to meet the academic degree. Besides, it is helpful in developing practical skills and research and analytical capabilities. Lastly, the report on the banking sector of Bangladesh forms a basis for research in the future.

Methodology and Data Collection Approaches

The report used both primary and secondary information. Intern Bank directly monitors the daily activities for initial information. Valued information has been collected on the bank process through dialogue with bank staff. Informal interviews have also been conducted with employees of different levels. The bank’s annual reports, financial statements and government publications have been used for secondary information. Relevant literature on banking practice in Bangladesh has also been reviewed. The information obtained from Bangladesh Bank and other financial institutions has been analyzed. Information is presented using the simple statistical tool. As a result, this mixed method ensures a wide concept of bank activities and performances.

Scope and Limitations of the Study

The research is centered on the overall activities of Bangladesh Commerce Bank Limited. It includes financial performance, customer service, and functional skills. The duration of the study is largely limited to the internship period. However, there are some limitations. Time limitations have reduced the depth of analysis in some cases. The access to specified sensitive information was limited. The lack of professional experience in the intern can affect the explanation of some complex banking subjects. Also some information in the rapidly changing banking environment can become old quickly. Nevertheless, the report provides valuable ideas about the bank’s activities and performances.

Company Profile of Bangladesh Commerce Bank Ltd.

Bangladesh Commerce Bank Limited (BCBL) started its journey in the 1999. The government of Bangladesh established this bank to advance the country’s trade sector. BCBL acts as a commercial bank and mainly focuses on trade finance. The bank provides different types of services, including depositing sector, loan facility and international banking. BCBL operates branches in major cities of the country. The bank also supports the large corporation with small and medium business. Bangladesh Commerce Bank plays an important role in the economic development of the country by providing financial services to businesses and individuals. As a result, the bank is committed to constantly expanding its services and adopting new technology to provide better services to customers.

Mission, Vision and Corporate Values

The mission of BCBL is to provide excellent banking services and to help economic development through financial inclusion. Vision aims to become the top commercial bank of Bangladesh.

• Integrity in all business dealings
• Customer-centric approach to service delivery
• Innovation in banking solutions
• Commitment to sustainable development
• Excellence in operational efficiency
• Teamwork and collaboration

These values guide BCBL’s daily operations and strategic decisions. Consequently, the bank strives to build trust with customers and stakeholders.

Organizational Structure and Management Hierarchy

BCBL retains a well -organized structure. The Board of Directors is at the top. Under the board, the managing director led the executive team. Main sections:

• Corporate Banking
• Retail Banking
• International Trade
• Treasury and Investment
• Risk Management
• Information Technology
• Human Resources
• Compliance and Legal Affairs

Each department has specialized teams working toward common goals. This structure ensures efficient operations and clear reporting lines. Therefore, BCBL can respond quickly to market changes and customer needs.

Branch Network and Geographic Presence

Bangladesh Commerce Bank Limited (BCBL) has established strong presence in the country. The bank operates more than 50 branches in different parts of the country. These branches are spread in all the main sections of the country including Dhaka, Chittagong, Rajshahi, Khulna, Sylhet and Barisal. The BCBL set up a branch strategically in the business centers and economic zones that are growing. The bank is also operating several SME-centric branches in the emerging business region. Also, BCBL has expanded its digital presence so that customers can get services from outside the physical branch. This broad network enables the bank to reach the bank effectively to various types of customers.

Products and Service Offerings

BCBL offers a comprehensive range of banking products and services:

Deposit Products:

• Current accounts for businesses
• Savings accounts for individuals
• Fixed deposits with competitive interest rates
• Special savings schemes for different customer segments

Loan Facilities:

• Corporate loans for large businesses
• SME financing for small and medium enterprises
• Personal loans for individual needs
• Home loans and auto loans
• Agricultural loans to support farmers

Trade Services:

• Letter of credit handling
• Export and import financing
• Guarantee services
• Remittance facilities for overseas workers

Digital Banking:

• Online banking platform
• Mobile banking app
• ATM services nationwide
• Digital payment solutions

Other Services:

• Locker facilities for valuables
• Credit and debit cards
• Foreign exchange services
• Bancassurance products
• Islamic banking options through dedicated windows

BCBL is constantly updating its product portfolio so that the demand for changing customer can be met. The bank is focusing on providing convenient, available and innovative financial solutions for all levels of society.

Analysis of Banking Performance Indicators

Financial Performance Analysis

The recent financial performance of Bangladesh Commerce Bank Limited (BCBL) is displaying mixed results in several aspects. The bank has significantly increased its loan portfolio, which reflects strong debt demand. However, the deposit increases are slightly lagging behind the debt expansion. As a result, the bank has to rely on the loan more than the loan. Management income has increased stable, which has been due to interest income and fees. Non-interest income has also increased, mainly due to commercial finance activities. However, the cost of operating at some point has increased faster than the income, which has put pressure on the bank’s cost-to-income ratio. Overall, the BCBL has maintained a stable financial position, but the cost structure has faced some challenges in the maximum implementation.

Profitability Assessment

Bangladesh Commerce Bank Limited (BCBL) profitability indicators indicate middle -level effectiveness:

• Return on Assets (ROA): The industry remains below the average, usually from 0.5% to 0.8%. It indicates that using resources is relatively low in profit production efficiency.
• Return on Equity (ROE): Improvement has been noticed, reached about 10-12%. This shows better return than the previous year for shareholders.
• Net Interest Margin (NIM): About 3.0% has been stable. The bank has maintained a logical gap between the loan and deposit interest.
• Cost-to-Income Ratio: About 55-60% has increased slightly. The increase in management costs due to technology investment has influenced this proportion.

Profitability has been supported through the increase in original banking activities. However, the increase in high provision and management costs for potential loan loss has created limitations to increase strong profit.

Asset Quality Evaluation

The Asset Quality of BCBL still remains an important focus area. The bank Non-Performing Loan (NPL) ratio has shown some improvement, but is still on the average of the sector. Recently it has dropped to 8-9%. This specifically indicates the ongoing challenge in the backbone of the SME segment.

The bank has strengthened its loan observation and collection activities. As a result, the ratio of classified loans has gradually decreased. This caution has strengthened the balance sheet. Despite the challenges, the bank is effectively operating the credit risk through advanced underwriting standard and regular portfolio review.

Liquidity Position Analysis

BCBL has maintained the position of strong liquid resources overall. The original indicators have shown stability:

• Credit-to-Deposit Ratio: In the controllable limit, usually between 3-5%. This indicates that the bank is not dependent on additional borrowed funds.
• Liquid Assets Ratio: Ratio regularly meets the regulatory demand. The bank has maintained adequate government security and cash.
• Investment in Liquid Assets: A buffer has increased against potential market instability.

The bank has used the inter-bank market and Bangladesh Bank’s re -finance facilities if needed. However, there was a risk of integration on the basis of submission. A large part of it comes from a few large corporate clients. The BCBL has gradually managed it by diversifying the source of the fund. Overall, the bank has shown enough liquid resources to fulfill its duties.

Capital Adequacy Review

BCBL’s capital position is strong. The capital of the BCBL is in strong state and the regulator remains above the minimum range. The main aspects are:

• Capital Adequate Ratio (CAR): 10% of Bangladesh Bank’s demand has easily exceeded. Usually it rotates between 12-13%, which provides a strong buffer against potential damage.
• Tier 1 capital ratio: There is a healthy state, which reflects the bank’s strong capital.
• Income Save: The bank pays attention to the conservation of income to strengthen its capital foundation.
• Capital Observation: Management constantly supports future growth plans by observing the level of capital.
• Long -term plan: Although the capital is firm, the bank has constantly acknowledged the need for capital planning. It ensures that the bank is capable of meeting the additional regulatory demands and financing expansion initiatives.

Operational Performance Assessment

Deposit Mobilization Strategies and Performance

BCBL is actively working to increase its submission foundation. The main aspects are:

• Competitive interest rates: Providing attractive interest rates in savings and permanent accumulation.
• Target Customer: Both retailers and corporate clients are noticed.
• Special submission scheme: Senior Citizens and Special Plan for Students.
• Branch Extension: Branch network has been strengthened to ensure easy access to customers.
• Challenge: Growth of deposit is medium compared to the spread of debt. Rigid competition with big private banks.
• Strategy: more attention to increasing customer relationship and quality of service for stable submission.

Credit Management and Loan Portfolio Analysis

BCBL operates his loan portfolio carefully. The main aspects are:

• Bangladesh Bank’s loan payment guidelines are strictly complied with.
• Structured Authorization Process: A well -organized process of loan approval with risk evaluation.
• Target sector: SME and corporate loan management seriously.
• Increase in portfolio: Steady increase in recent years.
• Challenge: Increase non-performing loans (NPLS) in the SME segment.
• Way: Increase the recovery effort and strengthen loan monitoring.
• Risk management improvement: Credit Risk Management System has been developed.
• Results: NPL ratio has been reduced slowly; the loan policies are being improved further.

Investment Portfolio Performance

BCBL follows conservative investment strategies. The bank mainly invests in government security such as treasury bills and bonds, which ensures stable return and high fluidity. In addition, corporate bonds and listed shares have also been kept in small parts. The investment portfolio generates consistent interest income and serves as an important source of non-funded income. Banks avoid high risky investment to protect capital. This strategy ensures security and the regulatory fluid meets the demand. Overall, the investment portfolio is credibly effective and supports the financial stability of the bank.

Foreign Exchange Operations

Forex is an important business field for BCBL. The bank operates a large amount of trade finance transactions and provides services such as Letter of Credit (LC), Guarantee and Remittance. Banks facilitates export and import activities for customers.

Forex activities make the bank’s fees-based income significant. BCBL maintains correspondent relationship with the International Bank, which helps to complete the border transaction smoothly. Providing competitive exchange rates for customers is also part of the bank’s strategy. According to the growth of international trade in Bangladesh, Forex activities remain as a strong business aspect of BCBL.

Digital Banking Initiatives and Performance

BCBL is actively taking digital conversion. Bank has launched an Internet banking platform for general transactions and facilitates account access and payment with mobile banking app. In addition, ATM networks have been expanded in various parts of the country, which has increased the benefits of customers and reduced the crowd at the branch.

However, the rate of receiving these services is still increasing. Compared with the advanced digital feature of the big competitors is a challenge. BCBL is investing in constant technology infrastructure development, which will help increase security and add new digital services. Digital banking is an important field for future growth and skills.

Comparative Analysis with Peer Banks

Market Position and Competitive Standing

BCBL retains a middle-level position in the commercial bank of Bangladesh. It is smaller than large private banks such as Dutch-Bangla Bank or Brac Bank. However, the presence of BCBL is stronger than some new banks.

Banks compete in special fields – especially SME loan and trade service. Being established by the government, the BCBL enjoys some trust and stability. Nevertheless, intense competition puts pressure on its market partner. BCBL distinguishes itself by focusing on personalized services and trade.

In summary, BCBL is important in the banking sector of Bangladesh but not a dominant player.

Performance Benchmarking Against Industry Standards

If the BCBL’s activities are compared with the quality of the industry, some important information is available:

• Profit: BCBL’s ROA and ROE are generally lower than the top private bank. Its Cost-to-incomet ratio is also higher than the most efficient bank.
• Asset Quality: The NPL ratio of BCBL is usually above industrial quality. The loan default management system of large banks improves.
• Efficiency: Index of operational skills, such as every account cost, less favorable than top digital-based competitors.
• Adequate of capital: BCBL’s car regulator is above the minimum and the equivalent of many rivals, which indicate strong financial condition.
• Digital Accept: BCBL is lagging behind in the BCBL market leaders in the use of digital banking and technology.

This comparative analysis indicates that the BCBL is working effectively, but there are opportunities for improvement in some fields compared to the best bank.

Strengths and Weaknesses Relative to Competitors

BCBL has some special benefits and has some significant challenges compared to the contestants.

Strengths

• Strong focus and skills in trade finance and SME banking.
• Established brand with heritage to support trade.
• Strong capital foundation that provides financial stability.
• Extended branch network that increases physical access.
• Experienced staff in the original banking operation.

Weakness

• Low profitability than the top bank of the industry.
• High NPL ratio that affects the quality and profitability of wealth.
• Relatively less advanced digital banking platforms and services.
• Small sizes that limit the advantages of the economy.
• Higher operational costs compared to income.
• Recognition of fewer brands than the top private bank in retail customer.

BCBL has to exploit its energy and the weaknesses should be tackled strategically so that the competitive position can be improved.

Market Share Analysis

BCBL keeps a relatively small market part in the densely populated banking sector of Bangladesh.

• Total submission: About 1-2% of the market part.
• Total debt and advance: About the same range, 3-2%.
• Trade Finance: Some major presence due to historical focus.
• SME segment: More important, about 3-4% market part.
• Retail Banking: It is difficult to achieve a significant portion in the market controlled by the big bank.

BCBL has shown slowly in recent years. The bank wants to increase its presence step by step through target -based expansion and services. Extending the market part is the main strategic priority.

Challenges and Issues Identified

Internal Operational Challenges

BCBL faces some internal obstacles. High operational costs are putting pressure on profitability. The old technology system slows down the service and in some branches the employees need to improve productivity. The loan processing takes longer than the industry quality and has some deficiencies in digital banking skills. In addition, internal communication between departments should be further improved. This inefficiency affects the overall functioning. BCBL needs to solve these issues so that the competition can be effective.

External Market Pressures

The banking sector of Bangladesh is very competitive. Large private bank leads the market, which provides advanced digital services and high interest rates. The new digital financial platforms are attracting technology conscious customers who are moving away from the conventional bank. In addition, economic fluctuations affect the repayment of debt and the additional inflation puts pressure on both the customer and the bank. It is important to deal with this external pressure for BCBL. Continuous adaptation is essential for being relevant immediately with market changes.

Regulatory Compliance Issues

BCBL is operated under the rigorous Bangladesh Bank rules. All compliance is difficult to meet. Timely reporting occurs sometimes. Money laundering prevention (AML) processes need to be strengthened. Some branches do not have appropriate documentation. Regular regulatory changes occur, which requires continuous training to follow. Compliance costs also increase operational costs. BCBL needs to invest in a more powerful compliance framework, which will help avoid the loss of fine and reputation.

Risk Management Concerns

Credit risk is an important concern for BCBL. The high NPL ratio indicates the evaluation of weak risk. The bank needs to improve the initial warning system of loan default. Market Risk management is also demanding attention, as the interest rate change can affect profitability. Operational risks include fraud and cyber security threats. BCBL needs to develop risk management structure, as the bank lacks advanced risk modeling tools. It is essential to strengthen risk management for long -term stability.

Strategic Recommendations

Performance Enhancement Strategies

BCBL should focus on its original energy. Bank trade finance services may expand. Aiming for a special SME segment can increase profitability. It would also be useful for the mere market to make specialized products. Cross-selling among existing customers can help increase revenue. In addition, the re -evaluation of the fee structure and the cost control system needs to be implemented quickly. Increasing the performance incentive for the staff will accelerate the growth speed. These strategies will help improve the overall financial effectiveness.

Operational Efficiency Improvements

BCBL should make its operational activities more efficient. Re-reengineering of the process will help reduce the rotation time. Back-office functions will be concentrated and reduce automation costs of daily tasks. Branch layout needs to be optimized for customer movement. The employee training program should be focused on productivity. Performance dashboard implementation and regular operational audit inefficiency helps. These steps will help significantly enhance the operational skills.

Risk Management Strengthening Measures

BCBL requires restructuring the entire risk management. Bank will have to implement advanced credit scoring models and create preliminary warning measures for NPL. Regular portfolio review should be an institutional practice. BCBL must set up a specific risk management committee. Market Risk evaluation structure should be strengthened and cyber security investment should be increased. Providing regular risk management training to employees will develop strong risk culture.

Customer Service Enhancement Initiatives

BCBL should prioritize customer experience. Bank will have to implement customer response system. The employee training program should focus on the service quality. Customer needs to be improved in response time. Relationship managers can be appointed for important customers. The law should be created for regular customers. The quality of the service must be adjusted in branches. These steps will improve customer satisfaction and hold.

Technology Integration Recommendations

BCBL should make digital conversion faster. Banks need to upgrade the core banking system and requires a usable mobile banking app. Integrated Crm system should be implemented. The digital onboarding process will attract young customers. Bank may consider AI -based chatbot services. Cyber ​​security investment with technology upgrades is essential. Digital literacy training is essential for staff. These technical steps will prepare the bank for the future.

Conclusion

Bangladesh Commerce Bank Limited (BCBL) has maintained a stable foundation with sufficient capital and fluidity, but some important challenges are affecting its growth. Higher operational costs and SME loans are limited to non-performing loans (NPLS) profitability. Operational inefficiency and digital banking capabilities are making it difficult to compete with more advanced rivals. Although strong in trade finances, BCBL must solve these weaknesses.

Technology addition, risk management, operational skills and strategic development in customer service are essential. This internship program provides important insights on BCBL’s activities and broad banking sector. By implementing target -based changes, BCBL can overcome the current obstacles by exploiting its strength and will be able to achieve sustainable growth in the dynamic market of Bangladesh.