...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 | | | | | ...
Words: 6515 - Pages: 27
...An internship report on “Credit risk management practices in Sonali Bank Ltd.” Executive Summary Sonali Bank Ltd. is the largest state owned commercial bank in Bangladesh with a total of 1203 branches. Total of 858 branch in rural and 343 branch in urban area. The functions of the bank covered a wide range of banking and functional activities to individual, firms, corporate bodies, Multinational agencies and the rural area. The bank provides more than 21 types of free services on behalf of the government of Bangladesh through its rural and urban branches as part of their commitment to society. Sonali bank Ltd. follows the rules and regulation prescribed by the Bangladesh bank. To manage credit risk, the Bank applies credit limits to its customers and obtains adequate collaterals. Credit risk in the Sonali Bank Ltd.'s portfolio is monitored, reviewed and analyzed by the Credit Risk Management (CRM). Sonali Bank Ltd. has established Asset-Liability Management Committee (ALCO) to determine the maximum risk exposure. Management is aware about guidelines of Bangladesh Bank and implemented new capital accord BASEL-II. Sonali Bank Ltd. constantly monitors, reviews and analyzes its credit portfolio to minimizing potential losses and ensuring efficient credit process. To manage the Non-Performing Loans (NPL), Sonali Bank Ltd. has a comprehensive remedial management policy, which includes a framework of controls to identify weak credits and monitoring of these accounts constantly...
Words: 14721 - Pages: 59
...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...
Words: 12353 - Pages: 50
...Sonali Bank Limited a state-owned leading commercial bank in Bangladesh. It is the largest bank of the country. Sonali Bank, the largest & leading commercial bank of the country, came into being in 1972 immediately after the emergence of Bangladesh as an independent state. A fully state-owned enterprise, the bank has been discharging its nation-building responsibilities by undertaking government entrusted different socio-economic schemes as well as money market activities of its own volition, covering all spheres of the economy. Sonali Bank singularly enjoys the prestige of being the agent of the Central Bank of Bangladesh in such places where the guardian of the money market has chosen not to act by itself.Sonali Bank is governed by a Board of Directors consisting of 7(seven) members headed by a Chairman, who is a renowned economist and a former Vice Chancellor of a reputed University. The other members are distinguished representatives from both private and public sectors.The Bank is headed by the Managing Director (Chief Executive), who is a well-known Banker and a reputed professional. The head office of the bank along with its corporate structure is located at Motijheel, Dhaka, the main commercial center of the capital Introduction: After the end of Second World-war in fact to say the world is involved in another war called the trade war of achieving superiority over other countries through implementing the strategies of free market economy. The conference of GATT...
Words: 3379 - Pages: 14
...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...
Words: 13376 - Pages: 54
...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...
Words: 12745 - Pages: 51
...theoretical and 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....
Words: 9317 - Pages: 38
...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...
Words: 18905 - Pages: 76
...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 nature and extent will only hamper the growth of the banking industry but can risk the economic growth of the country. This is the most despicable financial forgery in the banking history of Bangladesh which has surpassed all the earlier cases of misappropriation of resources from banks Unauthorised Loans and Advances: A Record of Sonali Bank...
Words: 1026 - Pages: 5
...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”....
Words: 16860 - Pages: 68
...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 income generated by a bank and a major percentage...
Words: 1705 - Pages: 7
... • Deposit-taking institutions that accept and manage deposits and make loans, including banks, building societies, credit unions, trust companies, and mortgage loan companies; • Insurance companies and pension funds; • Brokers, underwriters and investment funds. Functions of a Financial Institution: The functions of Financial Institutions are: • Financial institutions provide service as intermediaries of the capital and debt markets. • They are responsible for transferring funds from investors to companies in need of those funds. • Financial institutions facilitate the flow of money through the economy. To do so, savings a risk brought to provide funds for loans. Such is the primary means for depository institutions to develop revenue. Should the yield curve become inverse, firms in this arena will offer additional fee-generating services including securities underwriting, and pre. Regulation Structures of Financial Institutions: Financial institutions in most countries operate in a heavily regulated environment as they are critical parts of countries' economies. Regulation structures differ in each country, but typically involve prudential regulation as well as consumer protection and market stability. Some countries have one consolidated agency that regulates all financial institutions while other have separate agencies for different types of institutions such as banks, insurance companies and brokers....
Words: 15567 - Pages: 63
...two local banks incorporated in then East Pakistan, all the bigger local banks became in operational. Starting with such a humble condition, the Banking Sector of Bangladesh has grown to a great extent. The banking industry in Bangladesh has flourished over the years, making double-digit profit percentages, sustaining growth and surviving cut-throat competition while providing attractive returns to shareholders. The number of banks in all now stands at 49 in Bangladesh. Out of the 49 banks, four are Nationalized Commercial Banks (NCBs), 28 local private commercial banks, 12 foreign banks and the rest five are Development Financial Institutions (DFIs). Sonali Bank is the largest among the NCBs while Pubali is leading in the private ones. Among the 12 foreign banks, Standard Chartered has become the largest in the country. The number of total branches of all scheduled banks is 6,038 as of June 2000. Of the branches, 39.95 per cent (2,412) are located in the urban areas and 60.05 per cent (3,626) in the rural areas. Of the branches NCBs hold 3,616, private commercial banks 1,214, foreign banks 31 and specialized banks 1,177. [pic] Janata Bank is a state-owned commercial bank of Bangladesh established in 1971. Its headquarter is situated at Motijheel in Dhaka, the capital city of Bangladesh. Immediately after the emergence of Bangladesh in 1971, the erstwhile United Bank Limited and Union Bank Limited were renamed as Janata Bank. On 15th November, 2007 the bank has been...
Words: 5684 - Pages: 23
...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...
Words: 16223 - Pages: 65
...Shinepukur CeramiCS limited annual report 2010 Each of our activities must benefit and add value to the common wealth of our MISSION society. We firmly believe that, in the final analysis we are accountable to each of the constituencies with whom we interact; namely: our employees, our customers, our business associates, our fellow citizens and our shareholders. Year of Establishment (registration): 1997 KEY DATA Commercial Production: 1999 Status: Public Limited Company First Export: 1999 Business Lines: Manufacturing, Marketing and Exporting of Bone China and Porcelain tableware. Overseas Offices & Associates: USA and UK. Current Export Markets: USA, Canada, UK, Germany, France, Italy, Sweden, Norway, Poland, Turkey, Japan, Australia, UAE, Brazil, India, Chile, Egypt, Russia etc. Authorized Capital (Taka): 5,000 million Paid-up Capital (Taka): 966.34 million Number of Shareholders: Over 24,000 Stock Exchange Listing: 2008 Number of Employees: 3,000 HigHligHts: 2010 New Customers Villeroy & Boch (GERMANY) CRU International (USA) Bitossi Home (ITALY) Koleksiyon (TURKEY) Zeiny Center (EGYPT) Les Classiques (INDIA) Achievements Upgraded to ISO 9001:2008 Awarded ‘Superbrands’ Financials Net sales increased by 13.62 % to Tk. 1,926.74 million Profit before Tax increased by 22.42 % to Tk. 305.07 million Earnings Per Share (EPS) increased by 47 % to Tk. 2.62 Contents A Glance on : Shinepukur Ceramics Ltd. Corporate Directories Down to the History...
Words: 17297 - Pages: 70
