...Internship Report On Credit Risk Management: A Study On Sonali Bank Ltd. Supervised By: Shahidul Islam Lecturer Department of Marketing Comilla University Prepared By: Mahmudul Hasan ID – 0807031 Session- 2008-2009 3rd Batch Date: 20th January,2014 Department of Marketing Comilla University Table of Contents Contents Page no. Letter of Transmittal Letter of Authorization Acknowledge Executive Summery Chapter- 01 Introduction Background of the study Problem Statement Objective of the Study Chapter- 02 Literature Review Overview of Sonali Bank Ltd Overview of Credit Risk Management Literature Review: A Theoretical Framework Chapter- 03 Methodology Sources of Data Chapter- 04 Data Analysis & Findings Diagrammatic Analysis SWOT Analysis Findings Conclusions & Recommendations Internship Experiences References Letter of Transmittal 20th January, 2014 Shahidul Islam Lecturer Department of Marketing University of Comilla Sub: Submission of Internship Report entitled “Credit Risk Management : A Study On Sonali Bank Limited. Dear Sir, I am pleased to submit this internship report as you entitled me. I tried my best to present this internship report on Credit Risk Management: A Case Study On Sonali Bank Limited, Agrabad Corporate Branch, Chittagong, according to your...
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...Proposal on: Credit Risk Management Practices in Sonali Bank Ltd Performance Evaluation of Sonali Bank Ltd Foreign Exchange Operation of Sonali Bank Ltd | Prepared For: Sadia Noor Khan Lecturer Department of Banking & Insurance Prepared By: Maiful Kausar Ikra ID-17-023 Department of Banking & Insurance University of Dhaka Department of Banking & Insurance Submission Date: January 14, 2015 Proposed Internship Topics Introduction to the Study: Each BBA program needs practical knowledge of the respective field of discipline to be fruitful. Our BBA program also has an internship program, relating to the exchange of theoretical knowledge into the real life practical situation. To support my internship report I will work as an intern in Sonali Bank Ltd. My name is Maiful Kausar Ikra. It was great opportunity for me to complete my internship program in the largest state owned commercial bank "Sonali Bank Ltd." As a part of internship program I want to prepare report on the following topics…… 1.Credit Risk Management Practices in Sonali Bank Ltd Background of the study: To support my internship report I will work as an internee Sonali Bank Ltd. and my topic of the report is "Credit risk management practices in Sonali Bank Ltd." as part of the fulfillment of internship requirement. One of most significant challenges for a bank is to strongly manage its credits. Since the largest slice of...
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...Loans and Advances of Sonali Bank Limited Executive Summary This report is prepared as requirement of BBA program. This report focus three months working experiences in Agrani Balika Biddyalaya Branch, Sonali Bank Limited. This report will give a clear idea about Loan & Advance System of Sonali Bank Limited. The main object of the this report to know about the marketing policies Bank Limited. This Bank tries to provide higher quality services which leads to higher customer satisfaction. The information of the report has collected from secondary sources like books, published reports and website of the Sonali Bank Limited. It include source of existing/published data, such as: Operational manual, official website, banking journals. Research papers and account statement. From data analysis, I found that customer have chosen Sonali Bank Limited for its goodwill an d security, effective loan & advance system as will. Its most satisfied service is providing credits to the customers. Sonali Bank Limited should give more effort to make well establish market in the context of Bangladesh. Sonali Bank Limited should be more flexible to disburse loan & advance. The bank should be increased cash counter. Sonali Bank Limited provide loan in different sector. Background of the study: Internship is a prerequisite for completing the practical side to fulfill the BBA program. Theoretical session along cannot make a business student efficient and perfect in handling the real...
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...AN INTERNSHIP REPORT On “CREDIT MANGEMENT OF SONALI BANK LTD. BANGLADESH, WITH SPECIAL REFERENCE TO MOTIHAR BRANCH, RAJSHAHI.” DEPARTMENT OF ACCOUNTING & INFORMATION SYSTEMS This Report is submitted to the Department of Accounting & Information Systems, University of Rajshahi, for the Partial Fulfillment of the Requirements for the Degree of Bachelor of Business Administration (BBA) - 2014. |SUBMITTED TO | SUBMITTED BY | |MOHA. MANZUR MURSHEDUL ABEDIN |MOHI UDDIN | |Professor, |B.B.A. -2014 | |Department of Accounting and Information Systems |Examination Roll-10067058 | |University of Rajshahi |Registration No: 1750 | |Rajshahi |Session: 2009-2010 | | |Department of Accounting | | | | | ...
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...1.1 Introduction of the Report Banks play the most important role in the economy. Banks collect money from the individuals and lend them to others. Now banks offer the widest range of financial services and perform lots of financial functions. Thus banks have proven that they are the key factor for the business and economy as well. Sonali Bank Limited is the largest banking institution in Bangladesh, dynamic in actions, honest in dealings, just in judgment, fair in approaches and devoted to high quality service to customers and thereby contribute to the growth of GDP of the country throughout stimulating trade and commerce, boosting up export, poverty alleviation, raising living standard of limited income group and overall sustainable socio-economic development in the country. To achieve the aforesaid objectives of the Bank, different banking activities must play an active role to provide the financial assistance to the customer who also helps them by providing them with management assistance when needed. Sonali Bank Limited has played this role with their experiences in the banking sector where the others are not merely performed. The internship report comprises a brief study on the Sonali Bank Limited during three months internship. The report is distributed in many parts according to nature and requirement of organization and according to the instructions of supervisor of report. 1.2 Justification of the study Internship Program is a mandatory program for all students...
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...1.0 PRELUDE: Financial stability is considered as the first condition of sustained and rapid economic progress. Among various indicators of financial stability, banks’ non-performing loan (NPL) assumes critical importance since it reflects on the asset quality, credit risk and efficiency in the allocation of resources to productive sectors. Nonperforming loans (NPLs) refer to those financial assets from which banks no longer receive interest and/or installment payments as scheduled. They are known as non-performing because the loan ceases to “perform” or generate income for the bank. Choudhury et al. (2002: 21-54) state that the nonperforming loan is not a “uniclass” but rather a “multiclass” concept, which means that NPLs can be classified into different varieties usually based on the “length of overdue” of the said loans. NPLs are viewed as a typical byproduct of financial crisis: they are not a main product of the lending function but rather an accidental occurrence of the lending process (Woo, 2000: 2). This is because NPLs can bring down investors’ confidence in the banking system. Only for a few defaulting borrowers, the banks suffer, depositors suffer, performing borrowers suffer, shareholders suffer, Government suffers and consequently economy and the people of the country suffer. The latest data reveal that in Bangladesh banking sector the amount of NPL is Tk 2572.65 crores (7.17% of total loans) up to September 2011. The ratio of NPL was as high as 41.1% in 1999,...
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...practical knowledge. To invent something new by proper investigation or discussion of a known and unknown matter and to make a right decision by the knowledge is the main theme of internship. So, internship is standard method taken for searching knowledge i.e. it is the combination of theoretical and practical knowledge 2. Objectives of the study The main purpose of this study is to investigate and observe into the loan disbursement and recovery of Sonali Bank Limited, Sopura Branch, Rajshahi and to provide some suggestions to improve its performance. However, followings are some of the specific objectives of the study: ❖ To know general banking activities performed by the bank. ❖ To find out the comparative position of the bank. ❖ To identify various loans, advances and credit provided by the bank. ❖ To know the amount of disbursement and recovery of the bank. ❖ To know what are the vouchers and documents are used. ❖ To know the vouching and accounting system of the bank....
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...term paper on “Unethical practice of Sonali Bank Ltd” Submission Date: 30-11-2013 Letter of Transmittal November 30, 2011 To Dr. A. R. Khan Professor Department of Banking Faculty of Business Studies University of Dhaka Subject: Submission of Term Paper on Social Responsibility & Business Ethics. Dear Sir, As instructed and part of our academic program under EMBA, I do hereby submit my report on ‘Unethical practice of Sonali Bank Ltd.’ for your kind review and necessary reference. While preparing this report, I tried my best to follow the guidelines you have given and also have gathered some practical experience. I hope that this report will meet your expectation. I have engaged our intense efforts to bring out this study report with the target of achieving perfection but we are in a little doubt how far I have attained it. It was a great pleasure for me to work on this report. I shall be glad to furnish you with any explanation, if necessary. I shall be highly obliged if you kindly accept my report. Sincerely yours, Abu Sadat Md. Salim I.D No: 51221026 21st Batch Acknowledgement It gives me much pleasure to recall with cordial reverence and deepest of gratitude the indispensable guidance, constant encouragement and unparallel stimulation that influenced untiring efforts. Sympathetic advice and invaluable suggestions of our respectable teacher...
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...Internship Report On An Analysis of Selection and Recruitment Process of SONALI BANK LTD. (A study on Uttara Branch) DAFFODIL INTERNATIONAL UNIVERSITY 102, Shukrabad, Mirpur road, Dhanmondi, Dhaka-1207 Internship Report On An Analysis of Selection and Recruitment Process Of SONALI BANK LTD. (A study on UttaraBranch) Prepared By Rumu chakma Id:082-11-441 BBA Program Daffodil International University. Submitted To Dr. Zakir Hossain Professor Department of Business Administration Daffodil International University Date of Submission 00-0-2013 ©Daffodil International University Library Page 2 Banking business is a appearing to be the dominant factor in recent years. Long before, since the emergence of banks and similar activities was to attracting people to save valuable possession and engaging more people in it. But with the changing in time and technology and the pattern of Bank business activities has also changed. It is now changing in everyday with the changing world with competent man and cutting edge technology to fulfill its goals for managers because most organizations need information systems to survive and prosper. Information system can help companies to extend their reach too for away Locations. Offer new products and services, reshape jobs and workflows and perhaps profoundly change the way they conduct business. ©Daffodil International University Library Page 3 ACKNOWLEDGEMENT First of all...
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...Introduction The main feature of bank is to conduct banking business with deposits and loan. The systems, vision and strategies differ in various types of banks. On the basis of these measures the overall banking system is classified in different sectors throughout the world. In our country, there are basically two types of banking system-commercial banking system and specialized banking system. Commercial sectors can be classified under four categorized -Nationalized Commercial Banks, Local Commercial Banks, and Foreign commercial and Islamic Banks. Though all these types banking system are same in mission of profit making but they differ in their applying strategies, purposes and visions. Here we studied on five banks selected from five types of banking system. We focused on the different types of loan they provide and deposits they receive, analyzed their performance on the basis of different ratios and statistical trends to make comparison among them. Objectives of the report Report writing based on information analysis is as a part of our B.B.A. program. Through report writing we are able to know the present situation of studied topic. The main objective of this study is to make comparisons among five types of banking system existing in our country. Other objectives may be identified as following: * To keep ourselves abreast of with current situations of the different banking systems. * To strengthen relation with banking environment. * To increase overall...
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...Letter of Transmittal May 09, 2015 Assistant Prof. Bushra Ferdousi Faculty of Business Studies Dhaka International University. Subject: Submission of Project Report. Dear Madam, With great pleasure for me to submit the Project report on “Performance Analysis between Agrani Bank Limited & Sonali Bank Limited”. This Project Report was conducted by me as fulfillment of the MBA program. This Project report will definitely give me an exceptional experience that will be useful in the future on practical ground. In preparing this report, I had limitation of time and insufficient data about the topic. Therefore, you would be kind enough to accept the report considering limitations. For your kind Evaluation & Consideration. Sincerely Yours, ________________ Ashraful Alam Rony Roll no-16, Batch-31st (A) Regn no.-270476, Session 2012-2013 Program: RMBA (1 Year) Major in Finance & Banking Faculty of Business Studies Dhaka International University Student’s Declaration This project report was prepared by using primary & secondary data. The data were analyzed by using Microsoft office program. I want to declare with utmost faith & integrate that all data information provided in this project report are true. No fabrications in the given data were made by me. This project report prepared within three months of research experiment....
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...is “An Overview of Credit Management by Sonali Bank Limited”. This report is based on study carried out on Credit management of Sonali Bank Limited using both qualitative and quantitative methods. The aim of the study is to find out the credit control system performed by Sonali Bank Ltd. The scope of this report is limited to the overall description of the company, its services and its financial performance analysis. The scope of the study is limited to credit management, functions, and performances. The report will mainly focus on SBL’s credit offer and is control and management. 1.3 Objectives of the report: The purposes of this report relates with the internship. The internship objective is to gather practical knowledge and experiencing the corporate working environment. To this regard this report is contemplating the knowledge and experience accumulated from internship program.. The objectives behind the construction of this report are: To know the practical implication of credit management. To have an in depth knowledge of Credit management procedure of Sonali Bank Limited. To justify how a bank effectively employ procedures to judge creditworthiness of prospective and existing borrower. To differentiate between practical and theoretical learning To observe the performance of the bank over a certain time period 1.4 Methodology: As the Topic of the report was Credit management, so I needed to collect information regarding the credit control procedure. ...
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...received most intense condemnation and examination over the years due to lack of proper regulations and supervisory structures which led the banking sector into severe financial depression. With the banking conditions now of Sonali Bank Limited & Bangladesh Bank (Central Bank) with all those issues that have been thrown into them due to the deregulation in the banking sector in the country. According to Alam (2012), if there is a proper implementation of banking regulations and supervision structures, definitely, banking efficiency and profitability would follow. The efficient and effective banking regulations serve as a unified power to control the creation, operation and liquidation of the banking sector as well as a proper control in the stability of the economy of the country. Hence, BB as the Central Bank of the country should put into appropriate places all the specialized banking supervisory regulations and policies that can protect the depositors from higher risks of losing their deposited money in the banks. The core objective of the banking sector is to provide total protection to the investors with their money and funds. Both businesses and individuals have the rights to be ensured with certainty and safety about their funds in the banks. A smooth and acceptable public confidence and trust should be sustained and continually developed into more trusted banking system environment that can provide a high level of banking services all throughout the economy. In addition...
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...student of University of Dhaka. For that reason this report is prepared on the Analysis of Foreign Exchange Operations of Sonali Bank Limited (SBL). Different terms that are related to the foreign exchange business and the detail scenario of the Sonali Bank Limited described in the report. Background of the Report The development of the modern economy would not have possible without the use of money. A first fundamental characteristic of money is that it is very much like collective and goods. It is a parallel relationship between money and banking. Bank is an important and essential institution for the necessity of the use of money and the protection of the money. As a BBA student, financial institutions are the most appropriate field to gather the experience and among the financial institution, bank is the most prominent place. With a view to supply skilled personals in banking arena, University of Dhaka has undertaking the internship training program for all BBA students. As a part of an internship program of BBA course requirement, I was assigned to do my internship in Sonali Bank Limited for a period of six (6) weeks (30th March,2014 to 08th May,2014). After completing the internship prepared a report on the knowledge of internship. From that perspective this report is prepared on “Competetive Scenario of Foreign Exchange Operation of Sonali Bank Limited”....
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...revealed from the previous section, higher credit expansion, increased profitability, lower non-performing assets and increased financial inclusion have contributed to an improved banking system during the past decade. The regulatory framework has supported this growth to a large extent. It may be worth to note that at a time when major economies of the world are under tremendous pressure due to the second wave of financial crisis and bankruptcy of financial institutions and sovereign debt crisis, the banking sector of Bangladesh has been navigating through in a resilient manner. However, recent shocks in the banking sector have exposed the vulnerability of the seemingly resilient financial systems in the country. Despite some positive results initially after the reform in 2007, the SCBs unfortunately could not sustain the momentum due to poor supervisory capacity and weak institutional framework. As a result, not only these banks are suffering from shortages of capital but their profitability has also started to decline (Table 3). Additionally, incidences of irregularities have weakened the overall performance and threatened the stability of the banking industry. The recently detected Hall Mark case of forgery through inland bills trade involving the largest SCB of the country Sonali Bank Limited (SBL), is a testimony to poor management, weak internal control and risk management, and above all total lack of governance on the part of the bank. Shocks in the banking sector of such...
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