Brac Bank Credit Risk Management Compare with Bangladesh Bank Credit Policy

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Compared Credit policy |

Brac bank Ltd.| Brac Bank credit Risk Management compare with Bangladesh Bank Credit Policy|

Internship report
On
Brac Bank credit Risk Management compare with Bangladesh Bank Credit Policy

Submitted To

Ms. Sumaiya Zaman
Lecturer, School Of Businee
University Of Liberal Arts Bangladesh

Submitted By

Noor-E-Tamanna
ID# BBA-071011111
School Of Business
University Of Liberal Arts

Date: January 05, 2011

Ms. Sumaiya Zaman
Lecturer
School of Business
University of Liberal Arts Bangladesh
Subject: Application For the submission of a Internship Paper Dear Sir
Enclosed is a inter report of “Brac Bank’s credit policy compared with Bangladesh Bank credit Policy.” as a part of our course program. I have been assigned to analysis the Brac bank’s Credit Policy, where Your guideline has been followed in every portion of preparing this report. This report is a summary of my findings from the work that I completed on Brac bank Ltd.

Thank you for assigning this report as it provided me the opportunity to broaden the horizon of my understanding on a very interesting topic. I, sincerely hope that my work will come up to the level of your expectation.

If you have any questions and/or comments regarding the interpretation of this report please feel free to contact me.

Thank you

Sincerely yours

Noor-E-Tamanna, ID# 071011111
School of Business
University of Liberal Arts

Acknowledgement

At first, I must show my gratitude to the Almighty Allah for giving me capabilities to prepare this report. Then, I would like to remember the contribution and keen interest of my parents that has made me able to come to this stage. Then I would like to express my sincere gratitude and thanks to my honorable program supervisor Ms. Sumaiya Zaman, Lecturer, Department of Business Administration of University of Liberal Arts Bangladesh for her brilliant and excellent guidance and assistance to complete this report.

I am very much grateful to the officials of the Brac Bank Ltd. for their support and co-operation. After that, I especially express my thanks to Molla Mursaleen Shirazi, Head Office and my supervisor of that branch for guiding me throughout the internship program. Finally I like to extend my thanks to all of my teachers and friends who have helped me in different ways throughout my internship program.

Noor-E-Tamanna
ID # 071011111
B.B.A Program
Mejor in Finance
School Of Business
University of Liberal Arts Bangladesh

Contents
Acknowledgementiv
Executive Summary1
Origin of the Report1
Background of the Report1
Scope of the Report2
Sources of Information2
Methodology of the Report3
Limitation of the Report3
Report Organization3
AN OVERVIEW OF BRAC BANL LIMITED (BBL)3
Background of BRAC Bank Limited4
Capital Base4
VALUES4
Objectives5
Values5
Correspondent Relationship5
Departments of BBL5
Human Resources Management of BBL6
Product and Services6
Depository Product6
Interest Rate paid to different Deposit liabilities:7
Serial7
Loan Product7
Personal Banking Products7
Financial Performance of BBL8
Capital8
Loan and Advances8
CREDIT MANAGEMENT IN BRAC Bank Limited8
Overview8
Credit Policy of BBL9
Credit Principles10
ORGANIZATIONAL STRUCTURE (ORGANOGRAM of CREDIT Division):11
Overview on Credit Department12
CORPORATE CREDIT12
Objectives of Corporate Credit Team:13
Types of Corporate Client:13
Types of facilities we can offer to Corporate Client:14
Product types:14
Overdraft:14
Import and Export Loans:14
Syndication Loan:15
Maximum tenor of Corporate Loan:15
Responsibilities of Corporate Credit Team:15
Approval Authorities the Corporate Loans:15
Members of Credit Committee:16
Single Borrower/Group Exposure limit:16
Credit Risk Assessment20
Discourage Business Types/Sector:20
Proposal Assessment Methods:21
SME...
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