Internship Report on “Evaluation of Credit Assessment & Risk Grading Management of Dutch Bangla Bank Ltd.”

Topics: Bank, Debt, Interest Pages: 40 (10187 words) Published: March 8, 2013



“Evaluation of Credit Assessment & Risk grading management of Dutch Bangla Bank Ltd.”

Supervised By:
Suman Paul Chowdhury Senior Lecturer BRAC Business School BRAC University

Submitted By:

Ashfaq Mustafa Anwar ID # 05104124

Date of Submission: 09/12/2010


Letter of Transmittal
Date: 09/12/2010 Suman Paul Chowdhury Senior Lecturer BRAC Business School BRAC University

Subject: Submission of Internee Report.

Dear Sir, It is a great pleasure and privilege to present the internship report titled “Evaluation of Credit Assessment & Risk grading management of Dutch Bangla Bank Ltd” which was assigned to me as a partial requirement for the competition of BBA Program. Throughout the study I have tried with the best of my capacity to accommodate as much information and relevant issues as possible and tried to follow the instructions as you have suggested. I tried my best to make this report as much informative as possible. I sincerely believe that it will satisfy your requirements. I however sincerely believe that this report will serve the purpose of my internship program. I am grateful to you for your guidance and kind cooperation at every step of my endeavor on this report. I shall remain deeply grateful if you kindly take some pan to go through the report and evaluate my performance. My effort will be reworded only if it adds value to the research literature.

Ashfaq Mustafa Anwar ID # 05104124


Letter of Endorsement by the Supervisor

To Whom It May Concern
This is to certify that, Ashfaq Mustafa Anwar; a student of BBA program, Major in Marketing, Department of BRAC Business School, and BRAC University- has completed the internee report titled “Evaluation of Credit Assessment & Risk grading management of Dutch Bangla Bank Ltd” successfully under my supervision.

I wish every success in his life.


------------------------------------Suman Paul Chowdhury Senior Lecturer BRAC Business School BRAC University



First of all I would like to thank all mightily Allah for giving me the patience and proper time to complete the internship study successfully. It is pleasure to take this occasion to thank a few people who have, assisted, encouraged directed and supported through out the internship program. I heartily thank all the officials of the Dutch Bangla Bank limited, Shantinagar Branch for their supporting as well as co- operating me as an intern in their organization. After that I especially thank to our manager sir ABDULLAH AL KAFEE and my supervisor MAHBUB-UL-ALAM of that branch for guiding me through the internship program and also MD. AL AKBAR MULLICK ( SEO), KAZI SARWAR ALAM ( SEO), RUBAYET HOSSAIN ( SEO), FAROQUE AHMED (SEO), ZAHID AHMED( SEO), YASIN HUDA ( SO), MAHABUBUL ALAM ( OFFICER), ZAHIRUL ISLAM JEWEL (AO) and each & everyone was very much sincere to give me the knowledge of Credit Assessment and Credit Risk Grading.

Finally, I want to give my special thanks to the Academic supervisor Suman Paul Chowdhury (Senior Lecturer, BRAC Business School, BRAC University) for his support and enormous help throughout this Internship program, especially his guidelines throughout the period of preparing the report. I would like to convey my best regards to all officials of the Shantinagar Branch of Dutch Bangla Bank (DBBL).


Executive Summary

This paper has attempted to highlight on an evaluation of Credit Assessment and Credit Risk Grading (CRG) in the context of Dutch Bangla Bank Limited, Shantinagar Branch. Dutch Bangla Bank Limited is among the leading commercial banks of the country. Lending is one of the principal functions of the bank. Sound lending practice therefore, is very important for profitability and success of a bank. . For the sake of sound lending, it is necessary to develop a sound policy and modern credit management techniques to ensure that loans/ advances are safe and...
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