A Term Paper on The Computer’s Application in Uttara Bank Limited
Introduction Uttara Bank Limited is one of the largest and oldest private-sector commercial bank in Bangladesh, with years of experience. Adaptation of modern technology both in terms of equipment and banking practice ensures efficient service to clients. 207 branches at home and 600 affiliates worldwide create efficient networking and reach capability. Uttara is a bank that serves both clients and country. • UBL is one of the largest private banks in Bangladesh. • It operates through 207 fully computerized branches ensuring best possible and fastest services to its valued clients. • The bank has more than 600 foreign correspondents world wide. • Total number of employees nearly 3,562. • The Board of Directors consists of 13 members. • The bank is headed by the Managing Director who is the Chief Executive Officer. • The Head Office is located at Bank’s own 18-storied building at Motijheel, the commercial center of the capital, Dhaka.
Organizational Hierarchy Board of Directors Managing Director Deputy Managing Directors General Manage Assistant General Manager Senior Principle Officer Principle Officer Officer Junior officer
Supervisor
Activities of Uttara Bank Limited From the beginning,Uttara Bank Ltd. is working relentlessly for the development of our economy and for the betterment of the shareholders. The bank gives different types of services and earns profit. The activities of Uttara Bank Ltd. are given below:
Deposits: The bank collects deposits to create fund for investment. In the prevailing situation mobilizing of deposits had become very competitive and as a result the average cost of fund of the bank in private sectors had increased compared to the previous year. The bank has given stress on procurement of low cost fund including cost free funds for bringing down the average cost of fund. The bank’s different types of deposits are as follows: 1) 2) 3) 4) 5) 6) 7)
Current and other deposits. Savings bank deposits. Monthly profit scheme. Fixed or term deposits. Pension savings Prakalpa. Bills payable account. Others.
Loans and Advances: The bank’s another major function is to provide loans and advances to different sectors. The bank earns a lion’s share of revenue from providing loans and advances. The advance portfolio of the bank is well diversified and covers funding to a wide spectrum of business and industries including agro-based and agro processing, paper and paper products, chemicals, constructions, real estate and loans under consumers’ credit schemes, various trading business, service holder’s loan and women entrepreneurs of the country.
Special Schemes: Other than the normal banking business the bank has the following special schemes:
1) 2) 3) 4) 5) 6) 7) 8)
Small and medium scale entrepreneurs credit scheme. Scheme for loans to employees. Loan scheme for women entrepreneurs. Customers credit scheme. Pension deposit scheme for small saver. Monthly deposits and profit scheme. Interest free deposits. Lifetime savings scheme.
Recovery: The bank has a huge amount of bad loan. These loans have no security, even no proper record of particulars of borrowers. As a result, recovery of these loans has become a very difficult job. The bank works hard to collect these bad loans.
International Trade: The International Trade constitutes a significant business activity conducted by the bank. The bank earns a handsome amount of revenue from International Trade Business.
Guarantee Business: The bank also earns revenue from Guarantee Business. The guarantees are issued in favour of different Govt. authorities, Autonomous bodies, Corporations, Multinational Companies etc. against proper securities on behalf of the clients of the Bank.
Investment: The bank has always given emphasis on investment of funds in high yield areas and maintains Statutory Liquidity Requirement (SLR) as fixed by Bangladesh bank. The portfolio of investment included Govt. Treasury Bills, Prize bonds, Shares in Public Limited Company etc.
Computer Application in Uttara Bank Limited Uttara Bank Limited is one of the private sector banks having wide network of branches in the country .In 2007 the bank further expanded its operational network by opening six new branches ,bringing the total number of branches to 207. All the branches of the bank are operating under computer network using the bank's own software and manual banking system in day to day banking. Above all in order to ensure speedy services in International business E-mail is in operation in Head office and in almost all branches. At present International division of Head office and 38 branches is under SWIFT operation. As a result the bank has been able to transmit letter of credit, fund and message instantly
throughout the world at low cost. In accordance with the demand of the day shifting of branches to the newly decorated premises in more important and commercially potential places, renovation and decoration of old branches with modern amenities are also being continued. Bank has introduced its own web site the address of which (Address) is: www.uttarabank-bd.com.
Web Site of Uttara Bank Limited Web site of Uttara Bank Limited is much more informative but some links do not work. Such as, online banking, ATMs, card services, locker services etc .This bank should introduce these services and activate these links as soon as possible.
Software of Uttara Bank Limited Uttara Bank Limited does not use any own made or purchased software to provide prompt services to the customers. But most of the commercial banks use software where they manage their customers' accounts easily, accurately and automatically. At this competitive situation, Uttara Bank Limited should purchase any software. Such as, PC Bank 2000. It will accelerate this bank's services and help the bank to grow its market share and get high relative competitive position.
Online Banking in Uttara Bank Limited Uttara Bank Limited does not give online banking facility considering its huge number of branches (207)surrounded all over the country .But, most of the commercial banks give online banking facility in spite of having more branches. So, Uttara Bank Limited should introduce online banking facility as early as possible to give prompt service and compete with other banks.
Deficiencies Considering Online Banking Online banking means the performance of banking activities via the Internet. Uttara Bank Limited does not give online banking facility .So, it has following deficiencies considering online banking services:
1. Paying Bills Online: Customers can use online banking to pay their bills. This will eliminate the need for stamps and protect them from the check being lost in the mail. Most banks will have a section in which they set up payees. Customers will need to fill out the information once, and then they can simply choose that profile every time they pay a bill online. Uttara Bank Limited does not give this service preferring
manually paying the bills (gas, electric, water, cable, phone, and other utilitytype bills).
2. Viewing Transactions: Online banking allows customers to access their account history and transactions from anywhere. This is the quickest way to check and see if a transaction has cleared account. This can help customers to find out the amount of a transaction after they have lost their receipts. It also allows finding out about unauthorized transactions more quickly. This can help customers to resolve the issues more quickly. Uttara Bank Limited does not give this service. 3. Transferring Money between Accounts: Online banking also allows customers to transfer money between accounts much more quickly. It is more convenient than using the automated phone service, and can save customer a trip to the bank. Uttara Bank Limited does not give this service.
5. Continuous Transactions: Unlike customer corner bank, online banking sites never close; they're available 24 hours a day, seven days a week and they're only a mouse click away which is not possible for Uttara Bank Limited.
6. Ubiquity: If customers are out of state or even out of the country when a money problem arises, they can log on instantly to their online bank and take care of business; 24/7.Uttara Bank Limited does not have this facility.
7. Transaction speed: Online bank sites generally execute and confirm transactions at or quicker than ATM processing speeds. So, Uttara Bank Limited has transaction speed for its manual banking system.
8. Effectiveness: Many online banking sites now offer sophisticated tools, including account aggregation, stock quotes, rate alerts and portfolio managing programs to help customers manage all of their assets more effectively. Most are also compatible
with money managing programs such as Quicken and Microsoft Money. So, Uttara Bank Limited is backward from these modern services. So, Uttara Bank Limited should save time and money by taking advantages of online banking. It must need to introduce online banking to compete with other banks effectively and efficiently.
Database of Uttara Bank Limited Uttara Bank Limited does not maintain any database for its employees, customers etc. So, data are not maintained in a systematic way. They can not show enough data together to anybody at any time. They can create and maintain database using Microsoft Access easily which may be very much helpful for their operations. We have created central database and other additional database for Uttara Bank Limited according to the segregated data we have got from the bank.
Central Database of Uttara Bank Limited Uttar Bank Limited can maintain central database in MS Access. We have prepared a central database for Uttara bank Limited based on corporate information.
Corporate Information - 2007 Date of Registration
3/26/1972
Authorized Capital
1000000000
Paid-Up-Capital
399329600
Total Capital
2746737827
Total Asset
52860332730
Total Deposit
43586356057
Total Loans & Advances
28477407266
Profit after tax & Provision
409535557
Branches
207
Tatal Officers & Staffs
3,562
Foreign Correspondents
600
Members of Board of Directors
13
Face Value of Share
100.00
Employee Table A table is a collection of data about a specific topic, such as employees or contacts. Using a separate table for each topic means that we store that data only once, which makes our database more efficient, and reduces data-entry errors. We have created employee table using the data of all employees of Uttara Bank Limited, Shyamoli Branch, Dhaka. Employee Table E-
Employee
Age
Designation
Mobile
Address
Country/Region
ID 1
Name Md.
Mizanur
42
Manager
Phone 01712469823
Arambagh, Dhaka.
Bangladesh
10
Rahaman Faisal Ahmed
36
OG-II
01918236789
Nawabpur, Dhaka.
Bangladesh
11
Chowdhury Msmir Akter
28
OG-II
01816508605
Darus
Salam
Bangladesh
12
Ms.
Sanwa
29
A/O (Gen)
01722457865
Road, Dhaka. Bagum Bazar,
Bangladesh
13
Khandaher Ms. Sharmin
26
A/O(Cash)
01912489670
Dhaka. Dhanmondi,Dhaka
Bangladesh
14
Akter Md.
Abdul
38
A/O(Cash)
01719564688
Molitola
Bangladesh
15
Bashar Md. Tafsir Uddin
34
A/O(Cash)
01911456723
Dhak. Saver, Dhaka.
Bangladesh
16
SK Md.
26
A/G
01717452310
Green
Bangladesh
17
Uddin Sardhar Md.
29
A/G
01732390700
Dhaka. Dhanmondi,
Bangladesh
18
Hossenuzzaman Md.Sayedul
32
OG-I(Cash)
01912872567
Dhaka. Malibagh, Dhaka.
Bangladesh
18
Islam Ms.
28
Money
01914558820
Kolabagan,Dhaka
Bangladesh
Jashim
Nusrat
Jhhan
Lane,
Road.
Sorter
2
Chowdhury Md. Reaz Uddin
40
P.O
01712372387
Kalabagan,
Bangladesh
3
Ahmed Mrs.
Afroza
38
P.O(2nd
01716345128
Dhaka. Pallabi, Dhaka
Bangladesh
4
Khatun Md.
Fazlur
45
officer) OG-I
01714980012
Satmasjid
Bangladesh
5
Rahaman Md. Anisur
36
OG-I
01722672189
Dhaka. Uttara, Dhaka.
Rahaman
Road,
Bangladesh
6
Md.
Shamsul
43
OG-I
01718120956
Siddeswari,
Bangladesh
7
Islam Sk
Mehebub
30
OG-I
01913236723
Dhaka. Mogbazar, Dhaka.
Bangladesh
9
Hasan Ms.
Fatema
34
A/O (Gen)
01711672892
Islampur
Bangladesh
Shahanaz
Road,
Dhaka.
Query of Employee As tables grow in size they can have hundreds of thousands of records, which makes it impossible for the user to pick out specific records from that table. Queries were designed to combat this problem. With a query we can apply a filter to the table's data, so that we only get the information that we want. We have created query on employee table of Uttara Bank Limited, Shyamoli Branch, and Dhaka. . This query can be run by the help of fields such as Employee ID, Designation, Mobile Phone, Address, Country/Region etc. Query of Employee EID 12
Employee Name
Age
Designation
Ms. Sanwa Khandaher
29
A/O (Gen)
Mobile Phone 01722457865
Address Bagum Dhaka.
Country/Region Bazar,
Bangladesh
Form of Employee A form is nothing more than a graphical representation of a table. We can add, update and delete records in our table by using a form. Although a form can be named different from a table, they both still manipulate the same information and the same exact data. Hence, if we change a record in a form, it will be changed in the table also. A form is very good to use when we have numerous fields in a table. This way we can see all the fields in one screen, whereas if we were in the table view (datasheet) we would have to keep scrolling to get the field we desire. We have created form of employee table. Form of Employee EID
Employee Name
Age
Designation
MobilePhone
Address
Country/Region
1
Md. Rahaman
42
Manager
01712469823
Arambagh, Dhaka.
Bangladesh
Mizanur
Report of Employee A report is an effective way to present data in a printed format. Because we have control over the size and appearance of everything on a report, we can display the information the way we want to see it. We have created report on employee table.
Employee Salary Table
A table is a collection of data about a specific topic, such as employees or contacts. Using a separate table for each topic means that we store that data only once, which makes our database more efficient, and reduces data-entry errors. We have made employee salary table with the data of employee salary. Employee Salary Table Name
Designation
Basic
Md. Mizanur Rahaman Md. Reaz Uddin Ahmed Mrs. Afroza Khatun
Manager P.O P.O(2nd officer) OG-I OG-I OG-I OG-I OG-I(Cash) A/O (Gen) OG-II OG-II A/O (Gen) A/O(Cash) A/O(Cash) A/O(Cash) A/G A/G Money Sorter
Md. Fazlur Rahaman Md. Anisur Rahaman Md. Shamsul Islam Sk. Mehebub Hasan Md.Sayedul Islam Ms. Fatema Shahanaz Faisal Ahmed Chy. Msmir Akter Ms. Sanwa Khandaher Ms. Sharmin Akter Md. Abdul Bashar Md. Tafsir Uddin SK Md. J.Uddin Sardhar Md. Hossenuzzaman Ms.Nusrat Jhhan Chy.
18300 14450
Total Allowance 17500 13000
Total Reduction 15695 9750
Net Salary 20105 17700
12500
13000
4865
20634
9650 9100 9650 8000 9100 5625 7500 6300 5625 5500 5000 6000 5100 5100 3250
9600 9600 9600 9600 9850 7675 7900 7180 6975 6900 6900 6700 5660 5660 4050
16100 2445 2360 835 4945 588 3815 655 588 575 575 10595 2905 7245 1360
3150 16255 16890 16765 14205 11712 11585 12825 11712 11725 11725 2105 8155 3815 6240
Query of Employee Salary We create a query on employees salary by this employees can easily find any kinds of information about the employees salary. This query is run by the help of criteria such as employee’s Name, Designation, Basic, Total Allowance, Total Reduction Net Salary etc. If they want to get all the information about the employees of that branch together they can find it by the help of query using run command in standard tool bar in query sheet. Query of Employee Salary Name Md. Fazlur Rahaman Md. Anisur Rahaman Md. Shamsul Islam Sk. Mehebub Hasan
Designation OG-I OG-I OG-I OG-I
Basic 9650 9100 9650 8000
Total Allowance 9600 9600 9600 9600
Total Reduction 16100 2445 2360 835
Net Salary 3150 16255 16890 16765
Form of Employee Salary Microsoft Access forms provide a quick and easy way to modify and insert records into database. It offers an intuitive, graphical environment easily
navigated by anyone familiar with standard computer techniques. Creating a form is a quite simple, pleasant experience. We have created form of employee salary. Form of Employee Salary Name
Designation
Basic
Total Allowance
Total Reduction
Net Salary
Md. Mizanur Rahaman
Manager
18300
17500
15695
20105
Report of Employee Salary Employee report represents one of the most important ways of presenting the data in database. Report can incorporate data from multiple tables and can be formulated in wide variety of ways. The report can represent all the information in a systematic manner. Thus every one can understand the database easily. Anyone can use the employees report for their consideration. This report is easy to print out. That’s why; we made a report in Microsoft Access for the employees of Uttara Bank, Shaymoli branch, Dhaka.
Employee Salary Report Name
Designation
Md. Mizanur Rahaman
Manager
18300
17500
15695
20105
Md. Reaz Uddin Ahmed
P.O
14450
13000
9750
17700
Mrs. Afroza Khatun
P.O(2nd officer)
12500
13000
4865
20634
Md. Fazlur Rahaman
OG-I
9650
9600
16100
3150
Md. Anisur Rahaman
OG-I
9100
9600
2445
16255
Md. Shamsul Islam
OG-I
9650
9600
2360
16890
Sk. Mehebub Hasan
OG-I
8000
9600
835
16765
Md.Sayedul Islam
OG-I(Cash)
9100
9850
4945
14205
Ms. Fatema Shahanaz
A/O (Gen)
5625
7675
588
11712
Faisal Ahmed Chy.
OG-II
7500
7900
3815
11585
Msmir Akter
OG-II
6300
7180
655
12825
Ms. Sanwa Khandaher
A/O (Gen)
5625
6975
588
11712
Ms. Sharmin Akter
A/O(Cash)
5500
6900
575
11725
Md. Abdul Bashar
A/O(Cash)
5000
6900
575
11725
Md. Tafsir Uddin SK
A/O(Cash)
6000
6700
10595
2105
Md. J.Uddin Sardhar
A/G
5100
5660
2905
8155
Md. Hossenuzzaman
A/G
5100
5660
7245
3815
Ms.Nusrat Jhhan Chy.
Money Sorter
3250
4050
1360
6240
Borrower Table
Basic pay Total allowance Total Reduction Net Salary
A table is a collection of data about a specific topic, such as employee or contacts. Using a separate table for each topic means that you store that data only once, which makes your database more efficient, and reduces data-entry errors. We have prepared borrower table. Borrower Table IBP No 37/08
Issuing Date 19/02/09
IBP Amount 534898.00
Maturity Date 19/06/08
40/08
09/01/08
483647.00
07/05/08
42/08 464/07
21/01/08 11/10/07
412056.00 369806.00
20/05/08 11/04/08
505/08
03/02/08
316218.00
01/06/08
51/08
14/02/08
1606854.00
06/06/08
510/08
31/01/08
159833.00
28/05/08
521/05
10/02/08
276567.00
16/04/08
523/08
19/12/07
122424.00
19/04/08
53/08
26/02/08
331610.00
25/06/08
542/07
28/01/08
312862.00
22.05.08
56/08
11/12/07
434895.00
11/06/08
572/07
14/02/08
948625.00
13/05/08
583/07
30/01/08
289042.00
29/05/08
586/07
29/01/08
482952.00
24/06/08
59/08 591/08
19/02/08 17/02/08
1460292.00 162836.00
16/06/08 12/06/08
70/08
09/01/08
980725
07/05/08
79/08
19/12/07
129217.00
19/04/08
84/08
14/01/08
749840.00
11/05/08
89/08
24/01/08
220889.00
24/05/08
Name 3S Accessories M. H. Enterprise Zerintex Endeavor Fashion Amin Embroidery Digonto Printers Dhaka Needle Crafts New Nice Fashion Adnan Fashion Ltd Amin Embroidery Jaya Accessories Endeavor Fashion 3S Accessories 3S Accessories Iris Corporation Fair Design Adnan Fashion Ltd M. H. Enterprise Amin Embroidery S. S. Accessories Vision Embroidery
Days of interest 31
Rate of Interest 14.50%
Interest
31
14.50%
6039
31 31
14.50% 14.50%
5145 4617
31
14.50%
3948
31
14.50%
20063
31
14.50%
1996
31
14.50%
3453
31
14.50%
1529
31
14.50%
4141
31
14.50%
3906
31
14.50%
5430
31
14.50%
11845
31
14.50%
3609
31
14.50%
6030
31 31
14.50% 14.50%
18233 2033
31
14.50%
12245
31
14.50%
1613
31
14.50%
9363
31
14.50%
2758
6679
Query of Borrower Query can be used to separate some data and present these data quickly. We have created query on borrower by which employees can easily find any kind
of information about the borrowers. This query is run by the help of fields such as IBP No., Issuing date, IBP amount in taka, Maturity date, Name of the borrowers, Days of interest, Rate of interest, Amount of interest. If they want to get all the information about the borrowers of that branch together they can find it by the help of query using run command in query sheet at standard tool bar. Query of Borrower IBP No 40/08
Issuing Date 09/01/08
IBP Amount 483647.00
Maturity Date 07/05/08
Name M. H. Enterprise
Days of interest 31
Rate of Interest 14.50%
Interest 6039
Form of Borrower A form is very good to use when you have numerous fields in a table. This way you can see all the fields in one screen, whereas if you were in the table view (datasheet) you would have to keep scrolling to get the field you desire. Form of Borrower IBP No
Issuing Date
IBP Amount Taka
42/08
21/01/08
412056.00
in
Maturity Date
Name of The Borrower
Days of interest
Rate of Interest
Amount of Interest
20/05/08
Zerintex
31
14.50%
5145
Report of Borrower Borrower report represents one of the most important ways of presenting the data in database. Report can incorporate data from multiple tables and can be formulated in wide variety of ways. The report can represent all the information in a systematic manner. Thus, every one can understand the database easily. So, we have prepared a report for the borrower as follows:
Borrower Report IBP No
37/08
Name of The
3S Accessories
IBP Amount in Amount of Interest
534898.00 6679
Issuing Date
Maturity Date
Days of interest
Rate of Interest
19/02/09
19/06/08
31
14.50%
IBP No
40/08
Name of The
M. H. Enterprise
IBP Amount in Amount of Interest
483647.00 6039
Issuing Date
Maturity Date
Days of interest
Rate of Interest
09/01/08
07/05/08
31
14.50%
IBP No
42/08
Name of The
Zerintex
IBP Amount in Amount of Interest
412056.00 5145
Issuing Date
Maturity Date
Days of interest
Rate of Interest
21/01/08
20/05/08
31
14.50%
IBP No
464/07
Name of the
Endeavor Fashion
IBP Amount in Amount of Interest
369806.00 4617
Issuing Date
Maturity Date
Days of interest
Rate of Interest
11/10/07
11/04/08
31
14.50%
IBP No
505/08
Name of The
Amin Embroidery
IBP Amount in Amount of Interest
316218.00 3948
Issuing Date
Maturity Date
Days of interest
Rate of Interest
03/02/08
01/06/08
31
14.50%
IBP No
51/08
Name of the
Digonto Printers
IBP Amount in Amount of Interest
1606854.00 20063
Issuing Date
Maturity Date
Days of interest
Rate of Interest
14/02/08
06/06/08
31
14.50%
IBP No
510/08
Name of the
Dhaka Needle Crafts
IBP Amount in Amount of Interest
159833.00 1996
Issuing Date
Maturity Date
Days of interest
Rate of Interest
31/01/08
28/05/08
31
14.50%
IBP No Name of The IBP Amount in
521/05 New Nice Fashion 276567.00
Amount of Interest
3453
Issuing Date
Maturity Date
Days of interest
Rate of Interest
10/02/08
16/04/08
31
14.50%
IBP No
523/08
Name of The
Adnan Fashion Ltd
IBP Amount in Amount of Interest
122424.00 1529
Issuing Date
Maturity Date
Days of interest
Rate of Interest
19/12/07
19/04/08
31
14.50%
IBP No
53/08
Name of The
Amin Embroidery
IBP Amount in Amount of Interest
331610.00 4141
Issuing Date
Maturity Date
Days of interest
Rate of Interest
26/02/08
25/06/08
31
14.50%
IBP No
542/07
Name of the
Jaya Accessories
IBP Amount in Amount of Interest
312862.00 3906
Issuing Date
Maturity Date
Days of interest
Rate of Interest
28/01/08
22.05.08
31
14.50%
IBP No
56/08
Name of the
Endeavor Fashion
IBP Amount in Amount of Interest
434895.00 5430
Issuing Date
Maturity Date
Days of interest
Rate of Interest
11/12/07
11/06/08
31
14.50%
IBP No
572/07
Name of the
3S Accessories
IBP Amount in Amount of Interest
IBP No
948625.00 11845
Issuing Date
Maturity Date
Days of interest
Rate of Interest
14/02/08
13/05/08
31
14.50%
583/07
Name of the
3S Accessories
IBP Amount in Amount of Interest
289042.00 3609
Issuing Date
Maturity Date
Days of interest
Rate of Interest
30/01/08
29/05/08
31
14.50%
IBP No
586/07
Name of the
Iris Corporation
IBP Amount in Amount of Interest
482952.00 6030
Issuing Date
Maturity Date
Days of interest
Rate of Interest
29/01/08
24/06/08
31
14.50%
IBP No
59/08
Name of the
Fair Design
IBP Amount in Amount of Interest
1460292.00 18233
Issuing Date
Maturity Date
Days of interest
Rate of Interest
19/02/08
16/06/08
31
14.50%
IBP No
591/08
Name of the
Adnan Fashion Ltd
IBP Amount in Amount of Interest
162836.00 2033
Issuing Date 17/02/08
IBP No
Maturity Date
Days of interest
Rate of Interest
12/06/08
31
14.50%
70/08
Name of the
M. H. Enterprise
IBP Amount in Amount of Interest
980725 12245
Issuing Date
Maturity Date
Days of interest
Rate of Interest
09/01/08
07/05/08
31
14.50%
IBP No Name of the IBP Amount in Amount of Interest
79/08 Amin Embroidery 129217.00 1613
Issuing Date
Maturity Date
Days of interest
Rate of Interest
19/12/07
19/04/08
31
14.50%
IBP No
84/08
Name of the
S. S. Accessories
IBP Amount in Amount of Interest
749840.00 9363
Issuing Date
Maturity Date
Days of interest
Rate of Interest
14/01/08
11/05/08
31
14.50%
IBP No
89/08
Name of the
Vision Embroidery
IBP Amount in Amount of Interest
220889.00 2758
Issuing Date
Maturity Date
Days of interest
Rate of Interest
24/01/08
24/05/08
31
14.50%
Worksheet of Uttara Bank Limited Uttara Bank Limited does not maintain any worksheet to analyze data, create financial statements, transaction register, business forecast etc. But it can easily and quickly maintain these in Microsoft Excel using several functions and formulas. We have prepared worksheet for Uttara Bank Limited according to the data we have got from the bank.
Financial Health Worksheet We have created a worksheet based on total financial health of Uttara Bank Limited and shown percentage change considering previous and current year. Here, we have used two formulas, = (C4-D4)/D4 and =E4*100 to do our calculation promptly. Uttara Bank Limited Financial Health Worksheet Sl. No Particulars 1 Paid-up-Capital 2 Total Capital
2007 399329600 2746737827
2006 199664800 2272970808
3 4 5 6 7 8
128924627 52860332730 43586356057 28477407266 8830513784 65.34%
189977808 45217006469 39360207187 25163857021 7428456156 63.93%
Capital surplus/(Deficit Total Assets Total Deposits Total Loans & Advances Total Contingent Liabilities Credit Deposit Ratio (%)
Calculation 1 0.208435153 0.321370068 0.169036539 0.107371103 0.131678949 0.188741456 0.022055373
Ch 10 20
-32 16 10 13 18 2.2
9 10 11
Ratio of Classified Loan to total Loans & Advances (%) Profit after tax & provision Amount of classified loan during the current year
12.40% 409535557 1127300000
15.04% 248753254 1067100000
12
Provision kept against classified loans
455901594
583548567
13
Provision surplus /(deficit) against classified loans
98963894
116808167
14 15 16 17
Cost of Fund (%) Interest earning Assets Interest non-earning Assets Return on Investment (ROI) %
4.61% 40202504848 12657827882 6.37%
4.68% 33392369180 11824637289 5.83%
0.175531915 0.646352562 0.056414582 0.218742672 0.152765628 0.014957265 0.203942872 0.070462254 0.092624357
Employee’s salary Work Sheet Uttara Bank Limited in Shaymoli branch has eighteen employees and they maintain their salary sheet in manual system. But they can maintain it in computer system by using Microsoft Excel. It will accelerate their activities reducing the time of calculation frequently with the touch of automation. This work sheet will much more reliable too. Enormous calculation can be easily maintained. It also decrease the paper cost. So, we have prepared worksheet on salary for employees of Uttara Bank, Shaymoli branch, Dhaka.
Total Salary Worksheet We have prepared total salary worksheet on the basis of salary data of Uttara Bank Limited, Shyamoli Branch, Dhaka.
Uttara Bank Limited Shyamoli Branch Total Salary Worksheet Name Md. Mizanur Rahaman Md. Reaz Uddin Ahmed Mrs. Afroza Khatun Md. Fazlur Rahaman Md. Anisur Rahaman Md. Shamsul Islam Sk Mehebub Hasan Md.Sayedul Islam Ms. Fatema Shahanaz Faisal Ahmed Chowdhury Msmir Akter Ms. Sanwa Khandaher Ms. Sharmin Akter Md. Abdul Bashar Md. Tafsir Uddin SK Md. Jashim Uddin Sardhar
Designation Manager P.O P.O(2nd officer) OG-I OG-I OG-I OG-I OG-I(Cash) A/O (Gen) OG-II OG-II A/O (Gen) A/O (Cash) A/O(Cash) A/O(Cash)
Basic Pay 18,300 14,450 12,500 9,650 9,100 9,650 8,000 9,100 5,625 7,500 6,300 5,625 5,500 5,000 6,000
Total Pay 18,300 14,450 12,500 9,650 9,100 9,650 8,000 9,100 5,625 7,500 6,300 5,625 5,500 5,000 6,000
A/G
5,100
5,100
-17 64 5.6
-21
-15
-1. 20 7.0 9.2
Md. Hossenuzzaman Ms. Nusrat Jhhan Chy.
A/G Money Sorter Total Salary
5,100 3,250 145,750
5,100 3,250 145,750
Total Allowance Worksheet We found out total allowance of the employees of Uttara Bank Limited, shaymoli branch, Dhaka by the use of Microsoft-Excel. We have used two functions here. Functions are, =Sum (C5:C22), =Sum (C5:G5). Uttara Bank Limited Shyamoli Branch Total Allowance Sheet Name Md. Mizanur Rahaman Md. Reaz Uddin Ahmed Mrs. Afroza Khatun Md. Fazlur Rahaman Md. Anisur Rahaman Md. Shamsul Islam Sk Mehebub Hasan Md.Sayedul Islam Ms. Fatema Shahanaz Faisal Ahmed Chowdhury Msmir Akter Ms. Sanwa Khandaher Ms. Sharmin Akter Md. Abdul Bashar Md. Tafsir Uddin SK Md. Jashim Uddin Sardhar Md. Hossenuzzaman Ms. Nusrat Jhhan Chy.
Designation Manager P.O P.O(2nd officer) OG-I OG-I OG-I OG-I OG-I(Cash) A/O (Gen) OG-II OG-II A/O (Gen) A/O (Cash) A/O(Cash) A/O(Cash) A/G A/G Money Sorter Total Allowance
House Rent 10,000 8,000
Conveyance 3,500 3,000
Medical 2,500 2,000
Charge Allowance 1,500 0
Wash 0 0
8,000 5,500 5,500 5,500 5,500 5,500 3,375 4,500 3,780 3,375 3,300 3,300 3,600 3,060 3,060 1,950
3,000 2,500 2,500 2,500 2,500 2,500 2,900 2,000 2,000 1,900 1,900 1,900 1,400 1,200 1,200 700
2,000 1,600 1,600 1,600 1,600 1,600 1,400 1,400 1,400 1,400 1,400 1,400 1,400 1,400 1,400 1,400
0 0 0 0 0 250 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 300 300 300 300 0 0 0
86,800
39,100
28,500
1,750
1200
Total Reduction Worksheet We have found out total reduction of the employees of Uttara Bank, Shaymoli branch, Dhaka by the use of Microsoft-Excel. We used two functions here. The functions are, =Sum (C5:C22), =Sum (C5:I5).
Uttara Bank Limited Shyamoli Branch Total Reduction Sheet Name Md. Mizanur Rahaman Md. Reaz Uddin Ahmed
Designation Manager P.O
PF Own TK 1,830 1,445
SHBL 8,500 0
CL TK 3,130 1,770
Trustee 2,000 6,500
Fare Bus 200 0
BF TK 30 30
R.S T 5 5
Mrs. Afroza Khatun Md. Fazlur Rahaman Md. Anisur Rahaman Md. Shamsul Islam Sk Mehebub Hasan Md.Sayedul Islam Ms. Fatema Shahanaz Faisal Ahmed Chowdhury Msmir Akter Ms. Sanwa Khandaher Ms. Sharmin Akter Md. Abdul Bashar Md. Tafsir Uddin SK Md. Jashim Uddin Sardhar Md. Hossenuzzaman Ms. Nusrat Jhhan Chy.
P.O(2nd officer) OG-I OG-I OG-I OG-I OG-I(Cash) A/O (Gen)
1,250 965 910 965 800 910 563
0 9,100 0 0 0 0 0
3,580 0 0 1,360 0 0 0
0 6,000 1,500 0 0 4,000 0
0 0 0 0 0 0 0
30 30 30 30 30 30 20
5 5 5 5 5 5 5
OG-II OG-II A/O (Gen) A/O (Cash) A/O(Cash) A/O(Cash)
750 630 563 580 550 600
0 0 0 0 0 6,430
2,040 0 0 0 0 2,550
1,000 0 0 0 0 1,000
0 0 0 0 0 0
20 20 20 20 20 10
5 5 5 5 5 5
A/G A/G Money Sorter Total Reduction
510 570 325
0 0 0
2,380 2,720 1,020
4,000 0 0
0 0 0
10 10 10
5 5 5
14,716
24,030
20,550
26,000
200
400
90
Used functions are,=SUM(C5:C22),=SUM(C5:I5) etc.
Net Salary Worksheet We found out net salary of the employees of Uttara Bank, Shaymoli branch, Dhaka by the use of Microsoft-Excel. We used two functions here. The functions are, =Sum (C5:C22), =Sum (D5+E5-F5). Uttara Bank Limited Shyamoli Branch Net Salary Worksheet Name Md. Mizanur Rahaman Md. Reaz Uddin Ahmed Mrs. Afroza Khatun Md. Fazlur Rahaman Md. Anisur Rahaman Md. Shamsul Islam Sk Mehebub Hasan Md.Sayedul Islam Ms. Fatema Shahanaz Faisal Ahmed Chowdhury Msmir Akter Ms. Sanwa Khandaher Ms. Sharmin Akter Md. Abdul Bashar Md. Tafsir Uddin SK Md. Jashim Uddin Sardhar
Basic Pay 18,300 14,450
Total Pay 18,300 14,450
Total Allowance 17,500 13,000
Total Reduction 15,695 9,750
Net Salary 20,105 17,700
12,500 9,650 9,100 9,650 8,000 9,100 5,625
12,500 9,650 9,100 9,650 8,000 9,100 5,625
13,000 9,600 9,600 9,600 9,600 9,850 7,675
4,865 16,100 2,445 2,360 835 4,945 588
20,635 3,150 16,255 16,890 16,765 14,005 12,712
OG-II OG-II A/O (Gen) A/O (Cash) A/O(Cash) A/O(Cash)
7,500 6,300 5,625 5,500 5,000 6,000
7,500 6,300 5,625 5,500 5,000 6,000
7,900 7,180 6,975 6,900 6,900 6,700
3,815 655 588 575 575 10,595
11,585 12,825 12,012 11,825 11,325 2,105
A/G
5,100
5,100
5,660
2,905
7,855
Designation Manager P.O P.O(2nd officer) OG-I OG-I OG-I OG-I OG-I(Cash) A/O (Gen)
Md. Hossenuzzaman Ms. Nusrat Jhhan Chy.
A/G Money Sorter Total Salary
5,100 3,250 145,750
5,100 3,250 145,750
5,660 4,050 157,350
7,245 1,360 85,896
3,515 5,940 217,204
Microsoft PowerPoint The Uttra Bank Limited does not take the facilities of Microsoft PowerPoint. In some important issues such as in Annual General Meeting it presents the financial condition manually which is not reliable and updated in a modern age. Here we have shown the use of Microsoft PowerPoint by which it will be able to present the information attractively and smartly. Manpower of Uttara Bank Limited Uttara Bank Limited can use Microsoft PowerPoint to do presentation on several issues of the bank in several meetings. It can present the following manpower information of Uttara Bank Limited using power point slide show. Uttara Bank Limited Shyamoli Branch Human Resources Worksheet Manpower (1) Executive (Asstt. General Manager & above) (2) Officers (3) Asstt. Officers (4) Others Total
Number
Percentage
147 2,225 327 777 3,476
4.23% 64.01% 9.41% 22.35% 100%
Chart on Manpower (1) Executive (Asstt. General Manager & above) 22%
(2) Officers
4%
(3) Asstt. Officers
9% 65%
(4) Others
Financial Health
The financial health information of Uttara Bank Limited can be presented attractively and more effectively in their Annual General Meetings using power point slide show. Uttara Bank Limited Financial Health Worksheet Sl. No Particulars 1 Paid-up-Capital 2 Total Capital 3 Capital surplus/(Deficit 4 Total Assets 5 Total Deposits 6 Total Loans & Advances 7 Total Contingent Liabilities 8 Credit Deposit Ratio (%) 9 Ratio of Classified Loan to total Loans & Advances (%) 10 Profit after tax & provision 11 Amount of classified loan during the current year 12 Provision kept against classified loans 13 Provision surplus /(deficit) against classified loans 14 Cost of Fund (%) 15 Interest earning Assets 16 Interest non-earning Assets 17 Return on Investment (ROI) %
2007 399329600 2746737827 128924627 52860332730 43586356057 28477407266 8830513784 65.34% 12.40% 409535557 1127300000 455901594 98963894 4.61% 40202504848 12657827882 6.37%
2006 199664800 2272970808 189977808 45217006469 39360207187 25163857021 7428456156 63.93% 15.04% 248753254 1067100000 583548567 116808167 4.68% 33392369180 11824637289 5.83%
Used formulas are, = (C4-D4)/D4 and =E4*100.
Loan and Advance The loan and advance information of Uttara Bank Limited can be presented numerically and graphically using power point slide show. Sector of Loan and Advance 1. Agriculture: 2. Industrial Lending (Term): 3. Industrial Lending (Working Capital): 4. Commercial Programme: 5. Special Programme: 6. Housing: 7. Lease Financing: 8. Bill discounted and purchased: 9. Others
Total 66.2 5035.4 1101.2 12262.3 2934.9 1,096.40 415.8 3179.4 2308.9
Calcula 1 0.20843 -0.32137 0.16903 0.10737 0.13167 0.18874 0.02205 -0.17553 0.64635 0.05641 -0.21874 -0.15276 -0.01495 0.20394 0.07046 0.09262
1. Agriculture:
Chart on Loan and Advance
2. Industrial Lending (Term): 11% 1%
8%
0%
3. Industrial Lending (Working Capital):
18% 4%
4%
4. Commercial Programme: 5. Special Programme:
10% 44%
6. Housing: 7. Lease Financing:
Word Processing
8. Bill discounted and purchased:
The Uttra Bank Limited can use Microsoft Word for writing report, latter, document, application, notice etc. Microsoft Word helps the employees to record document in a wonderful way and letter, application and notice are presented nicely in hard-copy output. So, they should use Microsoft Word more broadly in their writing activities.
Conclusion We are living in the age of modern technology, so every commercial bank should use the advantage of modern innovation. Most of the foreign commercial banks in Bangladesh use the computer system for giving the better and time saving services to the customer. That’s why, the Uttara bank limited should use the modern computer system broadly for compete with the local and foreign commercial banks in Bangladesh. It will help them to do the banking activities easily. It will also reduce the expense and take little time for recording the transactions. By using networking system, it will do transactions easily with one branch to another and one bank to another bank. So, it should use modern computer system broadly for giving better services to the customer and compete with other banks effectively and efficiently.