CREDIT MANAGEMENT OF DHAKA BANK LIMITED
10/24/2011 BRAC University
MS SAMINA HAQUE LECTURER- II, BRAC BUSINESS SCHOOL BRAC UNIVERSITY COURSE ID: BUS-400
MD. MEHEDI HASAN STUDENT ID: 07304051 BRAC BUSINESS SCHOOL BRAC UNIVERSITY
Letter of Transmittal
Date: October 24, 2011 Samina Haque LecturerBRAC Business School BRAC University
Subject: Submission of Internship Report
Dear Ms. Samina Haque With great gratification I am submitting my internship report on “Credit Management of Dhaka Bank Limited” that you have assigned me as an essential requirement of Internship program. It is really an enormous prospect for me to congregate vast information and grasp the subject matter in an appropriate way. I have found the study is quite interesting, beneficial & insightful and tried my level best to prepare an effective & creditable report. I honestly, not only anticipate that my analysis will assist to provide a clear idea about the overall condition of “Credit Management of Dhaka Bank Limited”, but also optimistic enough to believe that you will find this report’s worth for all the labor I have put in it. I welcome your entire query & take pride to answer them.
______________________ Md. Mehedi Hasan
In the preparation of this Project Report, I would like to acknowledge the encouragement and assistance given to me by a number of people. I am most grateful to my internship supervisor Ms. Samina Haque for providing detailed feedback and support all the time on this report.
I would like to express my gratitude to Mr. Ashequl Islam (Principal Officer), Mr. Assaduzzaman Parves (Principal Officer) of Dhaka Bank, Uttara Branch and Mr. Newaz, Credit in charge, Uttara Centre. Thanks to them for helping me with the relevant information about the credit management of DBL that I needed to prepare this report. Moreover, I would like to thanks all the staff of DBL, Uttara Branch for providing me necessary support whenever required. Without their contribution, it would not have been possible for me to conduct this project work.
Besides this, I am also thankful to one of my senior brother named Imran Hossain and one of my friend named Piana Monsur for giving me essential assistance who also done internship in DBL.
Table of Contents
Topic Chapter -01: The Organization 1.1 Introduction 1.2 History 1.3 Mission and vision 1.4 Values of DBL 1.5 Products/Services offering 1.6 Organizational Hierarchy Page No. 01 02 02 03 03 04 05
Chapter -02: Job Responsibilities & Observation 2.1 Job Responsibilities at Different Division 2.2 Observation and Recommendation Chapter- 03: The Project (Credit Management of DBL) 3.1 Description of the Project 3.1.1 Objectives of the report 3.1.2 Methodology of the report 3.1.3 Limitations of the report 3.2 Credit Management of DBL 3.2.1 Credit policy of DBL 3.2.2 Functions of credit division 3.2.3 Different types of credit facilities 3.2.4 Credit rating report 3.2.5 Operational guidelines for different credit facilities 3.2.6 Interest rates for lending 3.2.7 Securities against advances 3.2.8 Overall procedure for sanctioning loan 3.2.9 Credit administration 3.2.10 Credit Monitoring
06 07 08 09 10 10 10-11 11 12 12 13 13-17 17 18-26 27-28 29 30-34 34 34
Chapter -04: Project Analysis and Findings 4.1 SWOT Analysis 4.2 Financial Data Analysis 4.3 Questionnaire Survey Analysis 4.4 Analysis of Customer Satisfaction Level Chapter- 05: Recommendation & Conclusion 5.1 Recommendation 5.2 Conclusion Bibliography Appendix
35 36-37 38-43 44-47 48-50 51 52 53 54 55-59
Table of Charts and Illustration
Topic Page No
Chart-01: Products/service offering by DBL Chart-02: Organizational Hierarchy Chart-03: Interest Rates for Different Categories of Lending Chart-04: Securities against Advances Chart-05: SWOT Analysis of DBL
04 05 28 29 36...