Loan Disbursement Procedure of Ific Bank

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American International University of Bangladesh
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Saif-Ur-Rashid: 12-96055-3

A study on Loan Disbursement system of IFIC Bank (Dhaka Stock Exchange Branch Ltd.)


A study on Loan Disbursement system of IFIC Bank (Dhaka Stock Exchange Branch Ltd)

Prepared for:
Dr. Shahriar Kabir
Assistant Professor, School of Business
University of Liberal Arts Bangladesh

Prepared by:
Saif Ur Rashid
ID: 081011050
School of Business

University of Liberal Arts Bangladesh
December 22, 2011

Letter of Transmittal

December 22, 2011
Dr. Shahriar Kabir
Assistant Professor, School of Business
University of Liberal Arts Bangladesh
Subject: Submission of Report titled: “A study on Loan Disbursement system of IFIC Bank (Dhaka Stock Exchange Branch Ltd.)” Dear Assistant Professor Dr. Shahriar Kabir PhD (Curtin University Australia) It is my pleasure to submit you the internship report on “A study on Loan Disbursement system of IFIC Bank (Dhaka Stock Exchange Branch Ltd.)”. I understand that the report submission is a requirement for the completion of BBA program from University of Liberal Arts Bangladesh. This report covers the loan disbursement system of IFIC Bank Dhaka Stock Exchange Branch Ltd. But unfortunately not all loans are given to the clients. So my report does not cover the loans which are not given.

I tried my best to make this report complete and error free. I would be grateful if you accept my report.

Sincerely Yours
Saif Ur Rashid
ID: 081011050

Contents
1.0 Background1
2.0 Background of IFIC Bank2
2.1 OBJECTIVE of My Report2
2.2 Methodology2
2.3 Limitations of the study3
2.4 CREDIT RATING ON IFIC BANK LIMITED4
2.5 SWOT Analysis of IFIC Bank4
2.6 Comparison of IFIC Bank and City Bank5
2.7 Financial Highlights of IFIC Bank Ltd6
2.8 A Summary on Stock Exchange Branch of IFIC Bank Ltd.8
2.9 Organizational Hierarchy of Stock Exchange Branch8
2.10 Departments within Stock Exchange Branch8
2.10.1 General Banking (GB) Department9
2.10.2 Cash Department9
2.10.3 Credit Department9
2.10.4 Marketing and Customer Care Department9
3.0 Loan Types9
3.0.1 Consumer Finance9
3.0.1.1 IFIC Easy Loan10
3.0.1.2 Consumer Durable Loan10
3.0.1.3 Parua (Education Loan)10
3.0.1.4 Thikana (House Building Loan)11
3.0.1.5 Any Purpose Loan11
3.0.1.6 IFIC Home Renovation Loan11
3.0.1.7 IFIC Peshajeebi Loan11
3.0.1.8 Auto Loan12
3.0.2 Large and Small Medium Enterprise Financing12
3.0.2.1 Working Capital Loan12
3.0.2.2 Letter of Credit13
4.0 Loan Disbursement Procedure13
4.0.1 Any Purpose Loan:13
4.0.2 Provident Fund Loan:15
4.0.3 Staff House Building Loan:15
4.0.4 Overdraft Loan:17
4.0.5 Overdraft Loan (Others):17
4.0.6 Cash Credit Hypo:19
4.0.7 Muldhan Loan:21
4.0.8 Auto Loan:22
4.1 Loan Disbursement Procedure23
5.0 Recommendation & Conclusion24
6.0 APPENDIX26
Appendix 6.129
7.0 Reference41

List of Figures:

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