An internship report on Credit Management of Uttara Bank Ltd.

Uttara Bank Ltd. is one of the largest and front ranking first generation, 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. The Bank has been carrying out business through its 211 branches spreading all over the country. The management of the bank consists of a team led by senior bankers with vast experience in national and international markets. The bank has more than 600 foreign correspondents world wide.

As we know the credit department is allied with the definition of the banking. Through this department bank makes a bridge with the deficit sector of the economy. This department of the bank is most important as this unit ensures interest income- the key source of earnings of banks. The history of the banking industry points toward many banks, which have become penniless due to the mismanagement of the credit department. My study is on Credit Management of Uttara Bank Ltd.

The report starts with the introductory part, which contains the first element about organizational information of Uttara Bank followed by the second component, which describes the business of the organization.

The project part, the essence of the report, continues the second half of the report. It starts with the types of credit of UBL, and then comes the discussion of loan processing, which contains the discussion of how the bank manage its loan from very early of the loan application to the loan disbursement. The necessary documentation procedure and the required documents that are needed to allot a loan are narrated here. Loan and advance is not free from the restrictions, the restrictions of loan and advance is discussed here in this part also.

The analysis proposal of loan and advance comes next. In this part, it is narrated that before taking decision of loan disbursement the bank needs to prepare Credit Information Bureau (CIB) report to analysis of the project feasibility from which the bank is going to allot the loan amount. How the credit officers analyze Credit Risk and Borrower Rating is focused here in this section of the report. The management of the loan actually starts after the sanctioning of the loan, because the efficiency of the credit manager is laid in fast recovery of the disbursed loan amount.

Proposal on Credit Management Policy of Janata Bank Ltd

A theoretical section is given in this proposal to give an insight to the various information concerning about the financial functions. A background of Janata Bank Limited is given in order to facilitate the understanding of this proposal. Every single portion is discussed in order to understand the empirical section.

Empirical approach

This refers to the information that has been directly collected and interpreted from the survey of Janata bank Limited. The proposal is prepared by interviewing the officials of Janata Bank Limited.

Internship report on Evaluation of Credit Management and Credit Risk Grading: A Study on Jamuna Bank Limited

The present Internship Report “An Evaluation of Credit Management and Credit Risk Grading”- A study on Jamuna Bank Limited has been prepared under the dynamic supervision of Lecturer Md. Kazi Raihan Uddin, Department of Management studies, University of Dhaka. The period of internship lasted for 45 days.

Internship Report On Accounting Policy and Credit Management of Jamuna Bank Limited

Jamuna Bank Limited (JBL) is one of the leading private commercial banks in Bangladesh providing a complete range of banking services to its clients. The main objective of this report is to examine the Accounting Policy and Credit Management System of Jamuna Bank Limited.

The financial statements of the Bank are prepared on a going concern basis under historical cost convention. The Institute of Chartered Accountants of Bangladesh (ICAB) is the sole authority for adoption of International Accounting Standards (IAS) and International Financial Reporting Standards (IFRS) as of Bangladesh Accounting Standards (BAS) and Bangladesh Financial Reporting Standards (BFRS). While preparing the financial statements, Jamuna Bank applied most of the BAS and BFRS as applicable.

Internship Report on AN EVALUATION OF CREDIT MANAGEMENT SYSTEM OF Janata Bank Limited Bangladesh

In this report, the bank introduced in terms of its Credit structure and operation with Credit and advances. This report will give a clear idea about activities and operational strategies of JBL. Especially this report focuses on the overall Credit Management of Janata Bank Limited. 

Internship Report on Credit Management of BASIC Bank Ltd.

This internship report is prepared on the basis of my three months particle experience at BASIC Bank Limited (Gulshan Branch). The internship report is on “Credit Management of BASIC Bank Limited”. It covered its overall position as well as an overview of this Bank.

Internship Report on Credit Management of Bangladesh Commerce Bank Limited

Banking sector plays a significant role in achieving the high economic growth of the country. A Bank is a financial Institution whose main aim is to earn profit through exchange of money and credit instruments. So, the Banking system occupies an important place and plays an important role in a nation’s economy building. Also it plays a pivotal role in the economic development of a country and forms the core of the money market in an advanced country. In recent time this sector over the world has been changing a lot due to regulation, technological innovation, globalization etc. Banking sector in Bangladesh is lagging behind in adopting these changes. To thrive well in this changing environment, not only development of appropriate infrastructure is necessary but also infusion of professionalism into banking service is essential. It should be concerned that one can’t be professional unless it would be engaged in real world business.

Internship Report On Credit Management of Eastern Bank Limited

Credit risk is one of the most vital risks for any commercial bank. Credit risk arises from non performance by a borrower. It may arise from either an inability or an unwillingness to perform in the pre-commitment contracted manner. The real risk from credit is the deviation of portfolio performance from its expected value. The credit risk of a bank is also effect the book value of a bank. The more credit of a particular is in risk, the more probability of a bank to be insolvent. Therefore, the status of depositor in the bank is at risk and probability of incurring loss from their deposited value. In other way the risky of a commercial bank is calculated through long term and short term rating by the credit rating agencies. 

 In my whole report, I was working on the credit risk of Eastern Bank Limited. During the preparation of the report, I provide the last six years information of EBL from 2005-2010. In the whole report I also explain the credit policy and credit risk management of EBL..

Internship Report On Credit Management of Dhaka Bank Limited

The main purpose of the report becomes very clear from the topic of the report. The report discusses about the different credit facilities, approval process, monitoring and performance. The main objectives of the report are identifying the credit approval and monitoring and their overall performance in the last few years. This report forces on the literatures behind banking credit. It includes Credit services of DBL, different loan categories, and credit analysis, loan review and handling default loans. It also describes in detail about the procedure of sanctioning credit, loan documentation and execution, stamping witness and other legal formalities. It also describes the issuance of different bank guarantees. Findings and analysis of the information are in the last Part of the report. It includes outstanding, recovery, and classified loan ratios. Difference between the outstanding and the classified loans in different sectors over the last four years are also analyzed. It also includes the summery of findings. Findings of the report say about the prior and neglected sectors of the credit facilities. It also contains the outstanding, recovery and classified loan status in different sectors over the past few years. The last part ends with competitive analysis, SWOT Analysis, recommendations and conclusions.

Internship Report on Credit Management of Social Islami Bank Ltd

This report contains practical information and observation of Social Islami Bank Ltd of Investment(credit) Department at Nawabpur Branch. The report is on “Credit Management of Social Islami Bank Limited”. This report gives us elaborate information about activities, strategies of operation, process of credit grading, policy, credit mgt of SIBL in terms of repricing gap model, guidelines prescribed for SIBL and management of Credit Banking Division of Social Islami Bank Ltd.

Internship Report on Policies and practice in credit management and comparison of Consumer credit schemes

Internship Report on Policies and practice in credit management and comparison of Consumer credit schemes of some selected private Banks: A Comprehensive study of National Bank Limited

Banking sector is expanding its hand in different financial events everyday. Banking customers have also changed in recent years. Customers are more knowledgeable, sophisticated, and assertive. They demand higher levels of customer service, are less loyal, and more inclined to switch to a competitor. Modern customers require flexibility in hours of operation, greater convenience, customization, transparency, accessibility, and control. Competition to attract new customers is fierce. Customer defection rates are higher than ever because of increased market competition. With so many different financial institutions to choose from, consumers can now demand better quality services and more customized products from their banks. In this consumer economy, attracting and crucially keeping customers for the long term is a key challenge for all businesses. At the same time, the banking process is becoming faster, easier, and the banking arena is becoming wider. As the demand for better service increases day by day, they are coming with different innovative ideas and products. In order to survive in the competitive field of the banking sector, all banking organizations are looking for better service opportunities to provide their fellow clients.

Report on Credit Appraisal and Credit Management on Mercantile Bank Ltd

Internship Program is a prerequisite for acquiring BBA degree. Before completion of the degree, a student must undergo the internship program. Internship program is a perfect blend of the theoretical and practical knowledge. Only curriculum activity is not enough for handling the real business situation, therefore it is an opportunity for the students to know about the field of business through the internship program. This program consists of three phases:

Internship Report on Credit Management System of Bangladesh Shilpa Bank

This report will mainly focus on the Project Appraisal practice of Bangladesh Shilpa Bank. The proposed study will cover the appraisal practice, procedures and techniques followed by the loan operation department (LOD) in the preparation of Implementation Policies and Practices of Bangladesh Shilpa Bank.