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 creditfacilities. 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.
Dhaka Bank Limited is one of the leading Private Sector Banks in Bangladesh offering full range of Personal, Corporate, International Trade, Foreign Exchange, Lease Finance and Capital Market Services. Dhaka Bank Limited is the preferred choice in Banking for Friendly and Personalized Services, cutting edge Technology, tailored solutions for Business needs, Global reach in Trade and Commerce and high yield on Investments, assuring Excellence in Banking Services.
1.2 Background of the Report:
After my completion of eight semesters in B.B.A (Bachelor of BusinessAdministration) from Department of Accounting & Information Systems from The university of Dhaka, I have been placed in Dhaka Bank Limited for my internship program which is a degree requirement for the BBA students. The primary goal of internship is to provide the job revelation and an opportunity to implement theoretical knowledge in real life situation with the changing eve of banking industry. I have decided to prepare my report on the topic of Credit Management of Dhaka Bank Limited. This report has been prepared on my practical experiences in Dhaka Bank Limited, B.B. Road Branch, Narayangonj.
1.3 Objectives of the Study:
The main objective of the study is to analyse the Credit Management of Dhaka Bank Ltd. and to have an overall idea on how it operates in the competitive markets to comply with the customer’s satisfaction and to retain them. So the main objectives of this report are as followes- ●To assess the credit approval process, securities of loan and monitoring process of Dhaka Bank Limited.
●To identify the lending activities at DBL
● To identify the recovery rates of the loans in different sectors in last 4 years and to have a comparison among them.
There are some other objectives of this report. Such as-
●To identify the mission and vision of DBL at BB road branch. ●To identify the quality of services of DBL.
●To identify the requirements and client eligibility of DBL. ●To identify the strengths, weaknesses, opportunities, threats of DBL.
1.4 Scope of the study:
The scope of this report is the Head office and B.B. Road Branch of DBL and their operations throughout the country. The report also touches the banking industry and its trends and competitors of DBL.
1.5 Methodology of study:
The information, required to prepare the report, has been collected from primary as well as secondary sources. Some data were also collected through other sources. I may show the sources of data as follows:
1.6 Data Collection:
To prepare the Report, data and...