Question -1.

Write a letter to your friend describing your experience in

Banking Service.
Dear Aman,
It is indeed a long time since I wrote to you. You are curious to know about my life in Dhaka and
my present profession. You know that I have been living in Dhaka since my birth. Everything is
going well but you will be glad more to know that I have been working as a Officer in the NCC
Bank Ltd. for the last one and half year. Here I am telling you my experience in Banking Service.
Everybody knows, all the careers are not equally suitable even attainable for all the people in
the society. So, choosing banking as a career is not an exception. It as both advantages and
disadvantages. Every employee has to carry out his/her/duty from dawn to dusk. As per the job
description, all employees have to do their assigned works. In addition, they are to do some
extra works out of their due works. Any way, deal with financial affairs. I am supposed to be
more punctual and disciplined. Mainly I look after others deposited money and deal with a lot of
people. I am habituated to hard work and accustomed to some enviable virtues such as,
business, discipline, sincerity, punctuality and perfection, etc. Although I belong to middle class
in the society, i lead a life of virtue. In fact, I enjoy my life here in Dhaka well. I wish you were
with us to share our joy in the next year.
No more today. I am looking forward to hearing form you. So reply soon.
With best wishes.

Very sincerely yours

Ashad

Question-2. Write a letter to client describing the facilities offered by your

bank.

The Facilities offered by our Bank

Prime Bank Ltd. is itself is a Brand and it is a bank with difference. The bank was established
in 1995 to offer diversified and innovative services to the general mass. As a result the Bank has
introduced the following services for customers.
1. Payment of competitive profit on all types of deposits.
2. Introduces for the 1st time in the banking history of Bangladesh, the special deposit
schemes like lakhpati and millionaire deposit scheme along with double benefit, monthly
profit, education savings scheme and Hajj deposits.
3. The Bank has introduced Credit Cards of Master card and Visa Card brand with the
photographs of the holders.
4. Prime Bank Ltd. also introduced providing ATM Cards to all Current & Savings Accouters
holders. It has also the debit card of its own brand.
5. Prime Bank Ltd. provides SME finance to small and medium entrepreneurs and house
finance to the middle class and lower middle class people of our country.
6. Prime Bank Ltd. provided consumer credits for household durables, for professionals,
especially for the doctors and self employed youths. Car loan is the major choice of the
customer
7. it provides different types of business and industrial loans, export and import loans,
syndicated and consortium loan.
8. It also provides Agriculture loans and also Participated in green banking.
9. The bank also provides contractor finance. Provides guarantee both local and foreign.
10. The bank has opened solely owned exchange houses in Singapore and England.

The above list is not comprehensive and the Bank has been trying to introduce more new
products such as tele banking, mobile banking, internet Banking and much more.

Question-3. Write a letter to one of your clients describing the procedures to

obtain a duplicate
cheque book?
ABC Bank Ltd.
Branch
. Dhaka-1000.
May 9, 2012
Mr. A Rahman
9 Ramna Bhaban
Dhaka-1000.
Re: Procedures to obtain a duplicate cheque book.
Dear Sir,
Referring to your letter dated 8th May 2012, procedure to obtain a duplicate cheque book given
in below :
i)

Client should apply the respective branch for stop payment.

ii)

General Diary (GD) is required in the nearest police station.

iii)

Client will give an indemnity that he will responsible if he place the lost cheque leaf.

iv)

Then apply for new book.

We think above information will help to you. If you face any difficulties at any time we shall give
you our best co-operation in all respect.
Thanking you,
Yours faithfully
Mohammad Ashad Miah
Officer

Question -4. Write a letter to a defaulting borrower warning him to pay Bank
dues or face legal
action.
NCC BANK LIMITED
Boars Special Audit Cell
Head Office, Dhaka.
June 10, 2012
Mr. X
5, DIT Avenue
Dhaka.
Sub: Repayment of classified long overdue amount of Tk. 25.00 lac
Dear Sir,
I would like to remind you once again that inspire of repeated reminders you have not come
forward to repay your long overdue classified amount of loan which you took from our bank 3
years back and the amount has become Tk. 25.00 lac including principal and interest. So, once
again we inform you to pay the overdue amount of Bank dues within 7 days time. If you fail to
repay your dues within the above time period, Bank may take legal action against you in the
following manners.
1. Bank will file both civil and criminal suits against you under Negotiable Act 1881.
2. Bank will published Auction Notice, in two National dailies, of your mortgaged property
against the loan.
3. File attachment suits of other properties if the sale proceeds fall short to adjust the dues
of the Bank.
Therefore, you are once again advised to repay your overdue amounts at the early possible time
to avoid the legal hassles. We think good things will prevail and you will avail of the opportunity
the Bank is writing to given you.
With thanks and regards.
Sincerely yours,

Question-5. Write a letter to a NRB to send Foreign Remittance through your

Bank, describing the
facilities of remittances offered by your Bank?
Prime Bank Ltd.
Head Office, Dhaka.
Instruction Circular No..

Date:

All Divisional Heads at Head Office

All Head of Branches
Prime Bank Ltd.
Sub: Foreign remittance facilities for the expatiated Bangladeshi workers provided by your Bank.
Dear Sir,
It is for general information of all concerned that our Bank always utmost importance to the
repatriated Bangladeshi workers who work in hardship in the countries outside Bangladesh. We
also value the hard earned money they sent to Bangladesh for maintenance of their family and
for other purposes, for the safety, security and smooth receipt of the foreign remittances by the
beneficiaries our Bank has undertaken the following measures;
1. Our Bank has opened two exchange house-sat Singapore 100% owned by our Bank.
2. Our Bank has opened 3 Nos. 100% owned exchange houses in London.
3. Our Bank has also opened liaison offices in the countries of Middle East and Malaysia.
4. Also made correspondent relationship with many other countries where there are
Bangladeshi workers.
5. In some countries our employee/high commission offices have manpower to look into the
problems of repatriated workers.

Moreover, we have a centralized foreign remittances system where from very prompt and quick
delivery services are provided. For that reason our Bank has made arrangements with other our
agencies such as cell phone operators, NGOS, post offices, Courier services for prompt service
will attract the attention of the expatriated Bangladeshi we as well as their beneficiaries.
Please being the contract of this circular to the knowledge all conversed to make it effective.
Thank you,
Sincerely yours,
Executive Vice President

Dy. Managing Director

Question-6. Write a letter to a client perusing him to open an account in your

Bank for the facilities
your Bank Provide to the clients.
NCC BANK LIMITED
Boars Special Audit Cell
Head Office, Dhaka.
June 10, 2012
Mr. X
5, DIT Avenue
Dhaka.
Dear Sir,
You might have known that NCC Bank Ltd. is one of the oldest and private commercial Banks.
The Bank has branches network through out the country having branch location in all the
important commercial (Branches) places of the country. It has more than 87 branches and all of
are online branches. So, one can easily conduct his transaction from any part of the country
through the help of online banking. Apart from online Banking we have also internet facility
through which you view youre a/c. Balance, can print a/c. statement, transfer money from one
A/c. to another. We have also phone banking by which you can listen account balance, pay
utility bills etc. and also SMS banking which can facilitate balance information, utility bill
payment, fund transfer and also any other information relating to banking can be obtained from
SMS banking system. We have also ATM services from which you withdraw money round the
clock till your balance permits. So, we have a vast opportunity to serve you. We have also a host
of young, energetic and dynamic officers who are ever ready to provide you service upto your
satisfaction.
Therefore, you can open an account with us to taste a different banking atmosphere in our
Bank.
Hope that you would respond soon and open a SB A/c. with our Branch and enjoy the unparallel
service we provide.
Looking forward for your visit to our branch.
I thank you.
Sincerely yours,

Question -9. Write an application to your authority a house building/car/or

personal loan.
To
The Managing Director
NCC Bank Limited
Head Office, Dhaka.
Sub: Prayer for sanction of loan.
Sir,
I have the honour to inform you that I am a petty bank employee of NCC Bank Ltd., at New
Market, Dhaka. With the over growing accommodation problem in Dhaka, I am also suffering
form the want of housing facilities in the city.
Recently I have purchased 3 kathas of land near Bashabo Railgate beside the main road which
leads to Goran. My holding No. is A 52/c. The land is lying still vacant. It is not possible on my
part to build a house by individual initiative. As a man of fixed and limited income, I am greatly in
need of loan for constructing a house. If the laon is sanctioned and if I can construct a multistoried building, it may be helpful for my economic security and stability. The master plan of my
house, the estimated budget for expenditure and other necessary documents are also attached
herewith for your kind and sympathetic consideration regarding the matter.
Therefore, I pray and hope that you would be kind enough to look into the matter and make all
necessary reviews and thus sanction at least 30 lakh (thirty) taka as long term loan and oblige.
I can assure you that I will obey all the terms and conditions of your institution and pay the usual
rate of interest and also repay the amount by installment basis fixed.
Yours faithfully,
Md. Ashad Miah
Officer
NCC Bank Ltd.
Head Office, Dhaka.

Question-10. Draft a Board Memo for placing to Board of Directors meeting to

enhance the house
building ceiling of the employees of your Bank.
Prime Bank Ltd.
Head Office, Dhaka.
Board Memo No.

Date:

From; The Managing Director

Prime Bank Ltd.
To;

The Board of Directors

Prime Bank Ltd.

Sub: Proposal for enhancement of monitory facilities of the employees of our Bank.
We are all aware of the fact that the consumer index for all the essential commodities has gone
up and as a result the prices of essential commodities have been increased by 35% to 40%. But
financial benefits of the employees of our Bank have not been revised for pretty long time, As a
result the employees in general, have been suffering from financial crisis, because they cannot
maintains their families smoothly with the amount they received now. That is why we proposed
the following incentives for the Employees;
1. An average increase of salary for 20%
2. An average increase of conveyance for 10%
3. An average increase of other benefits for 5%

We hope that the Board of Directors will exercise their good offices and considering the price
hike will increase the financial proposals as mentioned.
Place for kind approval.
Head of HR

Managing Director

Question-11. Write a minute on the special Board meeting held in your Bank
very recently.
Board Secretariat
Prime Bank Ltd.
Head Office, Dhaka.
Minutes of the 455th meeting of the Board of Directors held on 25th March, 2011.
Agenda No 1.
The Board of Directors have discussed the issues of sanctioning Tk. 10.00 crore to ABC
Company and accorded approval as per the conditions laid down in the memo no. 235.
Agenda No 2.
The Board of Directors have discussed in detail the issues of purchasing of 5 Nos. of 100 KVA
generator for the use of branches and agreed to purchase the name at a cost price of Tk. 2.50
crore and asper the condition mentioned in the Memo No.-236.
Agenda No 3.
The Board of Directors have discussed in detail the proposal for purchasing 5 Nos. of micro-bus
for the use of 5 feeding branches at a cost of Tk. 1.25 crore and have agreed to purchase the
same for XYZ Company as per the conditions laid sown in the Memo No.-238.
Memo No-237, 239, 240,241 & 242 have been deferred.
By the order of
Co. Secretary

Chairman

Question -14. Write a report on stock exchange debacles of Bangladesh?

Dhaka
May 09, 2012

Report on Stock Exchange Debacles of Bangladesh .

Every countries of the world, index of stock exchanges are stable. Sometimes index ups &
sometimes goes down and it depends on oil, gold & dollar price hike.
But in perspective of Bangladesh stock exchange collapse due to Regulatory Body i.e. Security
Exchange Commission, Stock Exchange and Central Bank have many contradictions.
As a result Security Exchange Commission cannot take control over Merchant Banks or
Brokerage Houses.
1) Central Bank imposed to all Commercial banks to reduce their investment and set limit of
invest 10% of this capital.
2) Not to allow investment black money in stock market.
3) No Tax debate facility in secondary investment.
4) Reduction of Margin loan ratio.
5) Adverse political crisis.
6) Dishonest syndicate investors, poor knowledge of investors regarding investment,
market rumor are also reasons behind the stock exchange debacles.
Mohammad Ashad Miah
Officer

Question-1. What is Business Communication? What are the types of

Business communication?

Ans: The word communicate is derived from the Latin wordcommunicare which means to
share, exchange, send along, transmit, talk, gesture, write, put, in use, and to relate. The word
communication is the noun form of the word communicates. A number of definitions have been
given to the term. A few important ones are:
Communication is sum of all things one person does, when he wants to create understanding in
the mind of another. It is a bridge of meaning. It involves a systematic and continuous process of
telling, listening and understanding (Allen Louis)
Important Characteristics of communication are:
1. Communication is a two way process
2. Communication always happens between or among two or more parties-sender and
receiver.
3. Communication involves and exchange of facts, ideas, feelings or thoughts.
4. Communication uses verbal ways like words spoken or written, or non-verbal ways like
gestures, postures, etc
5. Communication needs a mutuality of understanding between sender and receiver.

Type of Business Communication

These are mainly two types of Business Communications;
1. Internal Communication
2. External Communication
1. Internal Communication
Communication within an organization in called Internal Communication It includes all
communication within an organization. It may be inform or formal function or a department is
providing communication in various forms to the management or the employees. Internal
communication may be as follows.
a) Upward
b) Downward
c) Horizontal or Literal
2. External Communication

Communication with the people outside the organization is called external communication.
External Communications are made with the people for success outside the organization, such
as vendors and customers.
If needs to harness the following benefits.
Increase business sales etc.
Create public credibility
Operational efficiency
Company Profits.
It should improve
Overall performance
Public Good will
Corporate image
Ultimately helps to achieve;
Organizational goods
Customer satisfaction
3. Formal and Informal Communication:
When communication is made through the channels to attain goals of the organization is called
a formal communication but when the communication is made without any use of channel and
without any specific agenda is called an informal communication.
4. Oral and Written Communication:
If the communication is made face to face without any help of written material is called oral
communication and when writing materials are used for communication purpose is called written
communication.
5. Spoken Communication:
Spoken communication is one of the most effective communications where the situation does
not permit any other form of communication. Spoken form of communication may be of different
types.

Question-3. What is Business communication process cycle? How a Business

communication is distorted? What measures would you suggest to check the
distortion of business communication?
Ans: The Communication Process/Cycle
Before communication can take place, a purpose, expressed as a message to be conveyed is
needed. It passes between a source (the sender)and a receiver. The message is encoded
(converted to a symbolic form) and passed by way of some medium (channel) to the receiver,
who retranslates (decodes) the message initiated by the sender. The result is the transfer of
meaning from one person to another.
Components of communication Cycle are:
1. The source
The source is the place or the person form where the message being communicated
emerges.
2. Encoding
In communication, the act of producing message, for speaking or writing is termed
as encoding.
3. The message
The message is the actual physical product from the source encoding. When we
speak the speech is the message.
4. The Channel
The channel is the medium through which the message travels. It is selected by the
sources, who must determine whether to use formal or informal channel.
5. Decoding
The act of understanding messages is known as decoding. When the sound waves
are translated into ideas thus, listeners and readers are often regarded as decoders.
6. Receiver
The receiver is the object to whom the message is directed. But before the message
can be received the symbols in it must be translated into a form that can be
understood by the receiver.
7. Feedback
The final link in the communication process is a feedback loop. Feedback is the
check on how successful we have been, in transferring our messages as originally
intended.
Noise refers to distractions and interference in the environment in which communication takes
place.
a) Physical noise-noise in surroundings
b) Technical noise-failure in the channel or medium of communication
c) Social noise-difference in personality, culture or outlook of the sender and receiver.
d) Psychological noise-excessive emotion, prejudice or nervousness
e) Semantic noise-use of different language, not understanding to receiver

Distortion refers to the way in which the meaning of a communications is lost in handling.
Problems of communication can be overcome by:
1. Proper planning of message
2. Not to omitting or overloading of information
3. Avoiding technical jargon and non-verbal cues
4. Checking the recipients status
5. Using appropriate channel or medium
6. Trying to make the source credible
7. Using free from bias language.

Question-4. What are the Principles of sound Report writing? What are the
elements of a long
form report?
Ans: Characteristics of the short form reports:
1. The shorter forms of report are very common in business or for any other
communication. Such type of report is prepared on daily basis for making purpose of the
organization. These reports cover only the day to day problems of the organization.
2. If requires little or no introduction
3. Short report directly deals with the problems and furnished with recommendation and
conclusion.
4. The body of a short form report contains the description of the incident or fact on which
the report is prepared.
5. There may be a scanty analysis of events in report understanding of the reader for taking
decision on business or organizational issues.
Long Formal Report:
A long formal report is written on a subject who covers wide area of a problem or to find a
solution of the problem. A long formal report may be a thesis, a dissertation, on ternary report,
on annual report of any organization or any report made for any special purpose.
The followings are the requirement and characteristics of a long formal letter.
Some important aspect of long report writing:
Planning
Purpose
Scope
Limitations
Structure
Collection of data
Prepare title page
Maintaining coherence of contents
Executive summary
Literature review
Main body of the report
Letter of transmittal
Aims and objectives
Background study
Methodology and sources of data
Presentation of results
Analysis and discussion of results
Bibliography
Appendices
Page numbering
Flayer