1.1 Origin of the Report
Masters of Business Administration (MBA) Course requires a three months attachment with an organization followed by a report assigned by the supervisor in the organization and endorsed by the faculty advisor. As I am already working for Dhaka Bank Limited (DBL), I took the opportunity to do my internship in my own organization. My organizational supervisor Mr. Syed Abdul Quader, Senior Assistant Vice President and Manager of Islampur Branch asked me to conduct a study on Comparative Analysis between Bangladesh Bank’s Best practices guidelines and Dhaka Bank Limited existing credit policy. My faculty supervisor Mr. Shama-e-zaheer, lecturer of Institute of Business Administration, University of Dhaka, also approved the topic and authorized me to prepare this report as part of the fulfillment of internship requirement.
1.2 Background of the Report
Last year Bangladesh Bank undertook a project to review the global best practices in the banking sector and examines in the possibility of introducing these in the banking industry of Bangladesh. Four 'Focus Groups' were formed with participation from Nationalized Commercial Banks, Private Commercial Banks & Foreign Banks with representatives from the Bangladesh Bank as team coordinators to look into the practices of the best performing banks both at home and abroad. These focus groups identified and selected five core risk areas and produce a document that would be a basic risk management model for each of the five 'core' risk areas of banking. The five core risk areas are as follows-
a) Credit Risks;
b) Asset and Liability/Balance Sheet Risks;
c) Foreign Exchange Risks;
d) Internal Control and Compliance Risks; and
e) Money Laundering Risks.
Bangladesh Bank in one of it’s circular (BRPD Circular no.17) advised the commercial... [continues]
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