Credit Management of Commercial Bank

Powerful Essays
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



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.”

You May Also Find These Documents Helpful

  • Satisfactory Essays

    in collaboration with NIIT, a reputable world class I.T. institute and will involve the award of National Diploma to participating youths that meets the criteria for recruitment. To this effect, Supreme Consult has concluded arrangement with the management of NIIT towards setting up training centers in each of the Oil Producing Local Government for the commencement of the programme. This if approved will guarantee the following benefits: (i) Equipping the youths with the necessary skills for…

    • 488 Words
    • 2 Pages
    Satisfactory Essays
  • Best Essays

    CREDIT RISK MANAGEMENT PRACTICES AMONG COMMERCIAL BANKS IN KENYA BY: PAUL MWANIKI THUO BUSINESS SEMINAR PAPER AUGUST 2013 Abstract Financial and non-financial organizations have financial disasters which point to the need for various forms of risk management practices. Banks and other financial institutions have faced difficulties over the years for a number of reasons. However, the major cause of serious banking problems continues to be directly related to lax credit standards for…

    • 3740 Words
    • 15 Pages
    Best Essays
  • Good Essays

    Both commercial banks and credit unions provide loans and accept deposits, in addition to a variety of other services to businesses and consumers. In your own words, what sets them apart from one another? Who do they service and how do their mission statements differ? Research a website from both a credit union and a commercial bank. How would you use them for business purposes and personal needs? Although Banks and Credit Unions are both financial institutions, they both have similarities such…

    • 366 Words
    • 2 Pages
    Good Essays
  • Powerful Essays

    CREDIT RISK MANAGEMENT AND PROFITABILITY OF COMMERCIAL BANKS IN KENYA BY ANGELA M. KITHINJI SCHOOL OF BUSINESS, UNIVERSITY OF NAIROBI, NAIROBI – KENYA. akithinji@yahoo.com or akithinji@uonbi.ac.ke OCTOBER, 2010 TABLE OF CONTENTS 1.0 INTRODUCTION....................................................................................................................1 1.1 Background ....................................................................................................................…

    • 14055 Words
    • 57 Pages
    Powerful Essays
  • Powerful Essays

    Credit Risk Management and Profitability in Commercial Banks in Sweden Ara Hosna, Bakaeva Manzura and Sun Juanjuan Graduate School Master of Science in Accounting Master Degree Project No. 2009:36 Supervisor: Inga-Lill Johansson Acknowledgements After several months of hard work our thesis has been finished. Now it is time to thank everyone warmly who provided their kind assistance to us. First of all, we would like to thank our supervisor Inga-Lill Johansson, Associate Professor…

    • 22144 Words
    • 89 Pages
    Powerful Essays
  • Powerful Essays

    bank credit management

    • 2146 Words
    • 7 Pages

    limits. This is to limit the bank losses and to avoid the problem becoming even worst. For example, maintaining the delinquencies within 2% or 3% depends on the financial institutions itself. Or for example, the customer now delay payment for 2 weeks, bank should make sure them won’t delay for 3 weeks or even a month. Third, is to manage collection costs efficiently. This means that to minimize the cost in the collection process. The cost involves salary of the bank officer; cost of paper works…

    • 2146 Words
    • 7 Pages
    Powerful Essays
  • Powerful Essays

    Bank Credit Risk Management

    • 6045 Words
    • 25 Pages

    1 2 Theory of bank credit risk management 2 2.1 Components of credit risk 2 2.1.1 Definition 2 2.1.2 Types of credit risk 2 2.2 Credit risk analysis and measurements 3 2.2.1 Expert systems 3 2.2.2 Risk Premium analysis 4 2.2.3 Multidiscriminant model 4 2.2.4 Hybrid system 5 2.3 Credit risk management 8 2.3.1 Limits Systems 8 2.3.2 Risk Quality and Ratings. 9 2.3.3 Credit Enhancement 10 3 Credit risk management adopted by ANZ bank 10 3.1 Industry…

    • 6045 Words
    • 25 Pages
    Powerful Essays
  • Powerful Essays

    CREDIT MANGEMENT IN NIGERIA BANKS: AJUGWE CHUKWU ALPHONSUS INTRODUCTIONS Credit Management is one the most difficult task facing bankers all of over the world and the case is more pronounced in the Nigeria situation because going through the history of banking in Nigeria, one can observed that the major source of bank failures was ineffective credit management that led to accumulation of bad debts. Credit administration is the bane of Nigeria banks and a major source of worry to Regulatory Authorities…

    • 7190 Words
    • 18 Pages
    Powerful Essays
  • Good Essays

    A Commercial Bank

    • 836 Words
    • 4 Pages

    A commercial bank (or business bank) is a type of financial institution and intermediary. It is a bank that provides transactional, savings, and money market accounts and that accepts time deposits. After the implementation of the Glass–Steagall Act, the U.S. Congress required that banks engage only in banking activities, whereas investment banks were limited to capital market activities. As the two no longer have to be under separate ownership under U.S. law, some use the term "commercial bank"…

    • 836 Words
    • 4 Pages
    Good Essays
  • Powerful Essays

    Internship Report on Consumer Credit Scheme of Commercial Banks in Bangladesh –A case Study on Janata Bank Ltd. Submitted By ANZUMAN ARA ID #50815036 15th Batch Supervised By Shibli Rubayat Ul Islam Professor Department of Banking University of Dhaka Department of Banking Faculty of Business Studies University of Dhaka October27, 2011 DECLARATION I do hereby declare that this internship report…

    • 16279 Words
    • 66 Pages
    Powerful Essays