Credit Management of Commercial Bank

Topics: Loan, Debt, Interest Pages: 141 (35355 words) Published: September 6, 2013
Chapter One
INTRODUCTION
1.1 Introduction
1.2 Origin of the report
1.3 Rationale of the study
1.4 Objectives of the report
1.5 Scope of the study
1.6 Methodology of the study
1.7 Limitations of the study

Chapter Two
LITERATURE REVIEW
2.1 CREDIT MANAGEMENT
2.2 PROCESS OF CREDIT MANAGEMENT
2.2.1. Policy guidelines
2.2.2 Management structure and responsibilities
2.2.3. Program guidelines

2.3 TOOLS OF CREDIT MANAGEMENT
2.3.1 Definition of Credit Risk Grading (CRG)
2.3.2 Functions of Credit Risk Grading
2.3.2 Functions of Credit Risk Grading
2.3.3 Use of Credit Risk Grading
2.3.4 Number and short name of grades used in the CRG
2.3.5 Financial Spread Sheet in Credit Management

Chapter Three

JANATA BANK LTD: AT A GLANCE

3.1 History of Janata Bank Ltd.
3.2 Vision of Janata Bank Ltd.
3.3 Mission of Janata Bank Ltd.
3.4 Services provided by Janata Bank Ltd.
3.5 Credit program
3.6 Performance of Janata Bank Ltd.
3.7 Loans and advances

Chapter Four
CREDIT POLICY

4.1 MEANING OF CREDIT POLICY
4.2 OBJECTIVE OF CREDIT POLICY
4.3 FORMULATION OF CREDIT POLICY
4.4 ESSENTIAL COMPONENTS OF A SOUND CREDIT POLICY
4.5 LENDING GUIDELINES:
4.5.1 Industry and business segment focus
4.5.2Types of credit facilities

Chapter Five
FUND INVESTED BY JANATA BANK LTD.

5.1 INTRODUCTION
5.2 ECONOMIC SECTOR WISE DISTRIBUTION OF FUND
5.3 NATURE WISE DISTRIBUTION OF LOANS AND ADVANCES
5.4 MATURITY GROUPING OF DISTRIBUTION LOANS AND ADVANCES
5.5 SECURITIES IN CREDIT MANAGEMENT

Chapter Six
LOAN DISBURSEMENT PROCEDURE OF JANATA BANK LTD.

6.1 GETTING CREDIT INFORMATION
6.2 INFORMATION COLLECTION
6.3 ANALYZING THESE INFORMATION
6.4 LENDING RISK ANALYSIS (LRA)
6.5 PROPOSAL ANALYSIS
6.6 COLLATERAL EVALUATION
6.8 PROPER SUPERVISION OF THE PROJECT
6.7 FINAL DECISION ABOUT THE PROJECT
6.9 DOCUMENTATION OF THE LOAN
6.10 CREATION OF CHARGES FOR SECURING LOAN

Chapter Seven
ECOVERY PERFORMANCE OF JANATA BANK LTD.

7.1 PROGRAMS FOR LOAN RECOVERY
7.2 RECOVERY PROGRAMS TO BE TAKEN BY JANATA BANK LTD.
7.3 RECOVERY PATTERNS AND LOAN AND ADVANCES
7.4 PROBLEMS IN LOAN RECOVERY

Chapter Eight
Loan Classification
8.1 INTRODUCTION
8.2 SIGNS FOR CLASSIFICATION
8.3 LOAN CLASSIFICATION-GUIDELINES FROM BANGLADESH BANK
8.4 PERFORMANCE OF JANATA BANK LTD.
8.5 IMPACT OF PROVISION FOR LOAN ON BANK’S PROFIT

Chapter Nine

GUIDELINES FOR CREDIT MANAGEMENT

9.1 INTRODUCTION
9.2 THE COMPANIES ACT 1991
9.3 THE INTERNATIONAL ACCOUNTING STANDARDS (IAS)- 30
9.4 GUIDELINES FOLLOWED BY BANK UNDER STUDY

Chapter Ten
CREDIT RATING OF JANATA BANK LTD.
10.1INTRODUCTION
10.2CREDIT RATING
10.3FACTORS OF CREDIT RATING

Chapter Eleven
Findings and Analysis

Chapter Twelve
Conclusion and recommendation

Chapter One

INTRODUCTION

1.1 Introduction
1.2 Origin of the report
1.3 Rationale of the study
1.4 Objectives of the report
1.5 Scope of the study
1.6 Methodology of the study
1.7 Limitations of the study

1.1NTRODUCTION
Now a days, education is not just limited to books and classrooms. In today’s world, education is the tool to understand the real world and apply knowledge for the betterment of the society as well as economy. From education the theoretical knowledge is obtained from courses of study, which is only the half way of the subject matter. Practical knowledge has no alternative. The perfect coordination between theory and practice is of paramount importance in the context of the modern business world in order to resolve the dichotomy between these two areas. Therefore, an opportunity is offered by Dept. of Accounting & Information systems, University of Dhaka, for its potential business graduates to get...

Bibliography: Annual Report of Janata Bank Ltd. 2000-2008
Bangladesh Bank BCD &BPRD circulars
Md. Maksudur Rahman Sarder & Prashanto Kumer Banerjee (December 1996); Janata Bank Ltd., Head Office Circularss
Journal of Business Studies; “Break Even Point: A Project Appraisal Technique used in Banking Sector.”
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