Premium Essay

Prime Bank

In:

Submitted By sadiashithi
Words 6464
Pages 26
Credit Risk Management of Prime Bank
Limited

University of Liberal Arts Bangladesh

Internship Report
Credit Risk Management of Prime Bank Limited

Submitted to
Sumaiya Zaman
Senior Lecturer
ULAB School of Business

Submitted by
Sadia Ferdous
ID # 092011014

Date of submission
21 August 2013

Acknowledgements
I would like to thank my supervisor, Sumaiya Zaman, Senior Lecturer, ULAB, for her guidance and feedback during this internship, without which I would have been unable to complete this task. I also express my gratitude to Prime Bank Limited for permitting me to do my internship in their organization. Special thanks to Credit Department of Shat Masjid
Road Branch of prime Bank Limited for spending their valuable providing me with information, supervision and feedback during the course of my internship. I also like to thank the whole team of PBL for their help during my internship tenure.

Page | 1

Letter of Transmittal
August 21, 2013

Sumaiya Zaman

Senior Lecturer
ULAB School of Business
University of Liberal Arts Bangladesh (ULAB)

Subject: Submission of internship report on topic of ‘Credit Risk Management of Prime
Bank Limited’.

Dear Madam,
This is my internship report on ‘Credit Risk Management of Prime Bank Limited’. I tried my best to work sincerely to cover all aspects regarding credit risk management at Prime Bank
Limited.
I hope you will find this report acceptable and thank you for allowing me to proceed with this study. Though, if you need any clarifications or directions for further improvement of the report, I will be obligate to provide with further explanation. I sincerely hope that you will appreciate my effort.
Yours Faithfully

Sadia Ferdous
ID# 092011014
ULAB School of Business

Page | 2

Table of Contents
Letter of Transmittal

Similar Documents

Premium Essay

Prime Bank

...nation’s economy. A banking institution is indispensable in a modern society. Bank is an old institution that is contributing toward the development of any economy and is treated as an important service industry in the modern world. Economic history shows that development has started everywhere with the banking system and its contribution towards financial development of a country is the highest in the initial stage. Modern Banks play an important part in promoting economic development of a country Bank provides necessary funds for executing various programs in the process of economic development. They collect savings from large masses of people scattered throughout the country, which in the absence of banks would have remained ideal and unproductive. These scattered amounts are collected. Pooled together and made available to commerce and industry for meeting the financial requirements. Bank plays a vital role in the economy by providing means of payment and in mobilizing resources. Bank is the most important financial institution in the economy. The economic development of a country depends on the development of banking sector. Today’s modern banks ate not only providing traditional banking but also expanding the many financial services. In today’ world the lice of the people directly or indirectly are within the field of banking whether conventional or Islamic banking although Islamic bank is not a newer concept in Bangladesh as it has started its operation since 1983...

Words: 7882 - Pages: 32

Premium Essay

Prime Bank

...honorable teacher Nusrat Jahan, Assistant Professor, United International University. We also thank all the member of this department for their sincere support. Executive Summary Prime Bank has started its journey from 17th April 1995. It was formed by a group of highly successful local entrepreneurs who had an idea of floating a commercial bank with different outlook The sponsors of Prime Bank are reputed personalities in the field of trade and commerce and their stake ranges from shipping to textile and finance to energy etc. As a fully licensed commercial bank, Prime Bank is being managed by a highly professional and dedicated team with long experience in banking. They constantly focus on understanding and anticipating customer needs. It basically has four categories of products and services: Retail banking, Loan, Hasanah Islamic Banking, and SME Banking. Prime Bank provides services to their customers based on these categories and it has ample of products under each category which could easily cater to the needs of the different types of customers. In order to avail the products, there are certain decisive factors which need to be fulfilled to be eligible of buying that service. Therefore, the motive of being a bank with difference is well followed. Table of Contents Prime Bank 1 Vision 1 Mission 2 Product and services 2 Retail Banking 2 Deposits 2 Loans 11...

Words: 8079 - Pages: 33

Premium Essay

Prime Bank and Sme

...Executive Summary: Prime Bank is one of the leading private bank in our country. Accordingly, Prime Bank was created and commencement of business started on 17th April 1995. The sponsors are reputed personalities in the field of trade and commerce and their stake ranges from shipping to textile and finance to energy etc. Prime Bank is being managed by a highly professional and dedicated team with long experience in banking. They constantly focus on understanding and anticipating customer needs. As the banking scenario undergoes changes so is the bank and it repositions itself in the changed market condition. From 1999, Prime Bank introduces SME loan for small and medium enterprise(SME) .It provides SME loan from its 17brances for development SME in our country.It provides 2lac to 50lac taka loan according to rules and regulation of this bank. There are six SME loan pacage of this bank.Those are 1.Sahaj Rin 2.Sampad Rin 3.Chalti Rin 4.Moushami Rin 5.Digun Rin 6.Anchol About Prime bank: Prime Bank has already made significant progress within a very short period of its existence. The bank has been graded as a top class bank in the country through internationally accepted CAMELS rating. The bank has already occupied an enviable position among its competitors after achieving success in all areas of business operation. Prime Bank offers all kinds of Commercial Corporate and Personal Banking services covering all segments of society within the framework of Banking...

Words: 2444 - Pages: 10

Premium Essay

Prime Bank Analysis

...earnings varies from 75- 80%. The total number of SMEs is estimated at 79754 establishments, of which 93.6% are small and 6.4% are medium which contributed around 20-25% of GDP. In the backdrop of economic liberalization and financial sector reforms, a group of highly successful local entrepreneurs visualized an idea of introducing a commercial bank with different outlook. For them, it was competence, excellence and consistent delivery of reliable service with superior value products. Accordingly, Prime Bank was created and commencement of business started on 17th April 1995. Banking system occupies an important place in a nation’s economy. A banking institution is indispensable in a modern society. Bank is an old institution that is contributing toward the development of any economy and is treated as an important service industry in the modern world. Economic history shows that development has started everywhere with the banking system and its contribution towards financial development of a country is the highest in the initial stage. Modern Banks play an important part in promoting economic development of a country Bank provides necessary funds for executing various programs in the process of economic...

Words: 412 - Pages: 2

Premium Essay

Prime Bank Limited

...Mission To build Prime Bank Limited into an efficient, market driven, customer focused institution with good corporate governance structure. Continuous improvement in our business policies, procedure and efficiency through integration of technology at all levels. Vision To be the best private commercial bank in Bangladesh in terms of efficiency, capital adequacy, asset quality, sound management and profitability having strong liquidity. Objective For our customers: • To provide the most courteous and efficient service in every aspects of its business • To be innovative in the development of new banking products and services For our employees: • By promoting their well-being through attractive remuneration and fringe benefits. • By promoting good stuff morally through proper staff training and development, and provision of opportunities for career development. For our share holders: • By forging ahead and consolidating its position as a stable and progressive financial institution. • By generating profits and fare return on their investment. For our community: • By assuming our role as a socially responsible corporate citizen in a tangible manner • By adhering closely to national policies and objectives thereby contributing towards the progress of the nation Strategy PBL has consistently remained focused on efficient customer service by providing wide range of product and services. PBL focused on our diverse products and services. Our customer group range...

Words: 4779 - Pages: 20

Premium Essay

Internship Report on Prime Bank

...INTERNSHIP REPORT ON ELECTRONIC BANKING AND CUSTOMER SATISFACTION INTERNSHIP REPORT ON PRIME BANK LIMITES: ELECTRONIC BANKING AND CUSTOMER SATISFACTION PREPARED FOR, MD. KAIUM HOSSAIN ASSISTANT PROFESSOR SCHOOL OF BUSINESS PREPARED BY, MD.ASIBUR RAHMAN ID: 111081173 SCHOOL OF BUSINESS UNITED INTERNATIONAL UNIVERSITY Letter of Transmittal May 12th, 2013 To Md.Kaium Hossain Assistant Professor School of Business United International University Sub: Submission of Internship Report on "Electronic Banking and Customer Satisfaction". Dear Sir, This is my internship report on “Electronic Banking and Customer Satisfaction at Prime Bank Limited (PBL). I am submitting this report as the part of fulfilling my BBA degree. In case of preparing this report, I tried my best to make the report informative and to follow your instructions as well as the instructions given by my organization supervisor. The full report is based on my practical Experience in Prime Bank Asad Gate Branch. I have found the experience quite interesting and the guidance of my supervisors and with the help of all the members of all the departments. I have tried my level best to prepare an effective report. Consequently, I am transmitting this report to your very concern Hopefully, you will discover the report informative approach as a hallmark of my hard work. In case of any further clarification or elaboration regarding this report I would welcome...

Words: 12028 - Pages: 49

Premium Essay

Term Paper on Prime Bank

...Analysis of Prime Bank overall performance from strategical point of view Letter of Transmittal Date: 15-04-2013 To Leo V Dewri, Lecturer Department of Business Administration, East West University Aftab Nagor, Jahirul Islam Avenue, Dhaka 1212. Subject: Submission of a term paper on “Analysis of Prime Bank overall performance from strategical point of view”. Dear Sir, We, the students of Strategic Management (MGT-480), would like to present a term paper on “Analysis of Prime Bank overall performance from strategical point of view”. To complete this term paper we have gathered some information as we find. According to your valuable advice we did study on internet, read some article published on performance evaluation from strategical point of view. The remaining data we got from the different websites (WDI) etc. We really have learned a lot and gained valuable experience while preparing this term paper. If you need any further clarification for any part of this term paper, we are always ready to provide any kinds of information regarding this term paper. Yours Sincerely, On behalf of the group- _____________________________ Md. Naeem Mia ID: 2009-2-10-153 Department of Business Administration East West University Acknowledgement In the beginning, we want to give many thanks to the Almighty to help us complete this term paper on the Analysis of Prime Bank overall performance...

Words: 13442 - Pages: 54

Premium Essay

The Management of Prime Bank Ltd

...History of the Bank The importance of financial intermediaries in the development of the overall economy of country cannot be described in short. From the inception of the civilization the banking sector dominate the economic development of a country by mobilizing the saving from the general people and channelling those saving for investment and thus economic development and growth. The importance of commercial banks after the ravage of the liberation war to develop a better economy was severally needed and it is needed now and will be required in future also. In time to time Government of Bangladesh agreed to permit the private commercial banking in the country. To fulfil the demand as well as to improve the commercial banking service in our country, The Prime Bank Limited is scheduled bank that was incorporated under the Companies Act 1994, started its operation on April 17, 1995 with a target to play the vital role on the socio-economic development of the country. It availed its registration as a banking company under the Banking Company Act 1993 from the Bangladesh Bank dated February 12, 1995. The bank started to make profit from the inception year. It was made possible for its management and the leadership of the first Managing Director Mr. Lutfur Rahman Sharker, Ex -Governor, Bangladesh Bank. Within a short time the bank has been successful in positioning itself as progressive and dynamic financial institution in the country. The is now widely acclaimed by the business...

Words: 3941 - Pages: 16

Premium Essay

Intership Paper on Prime Bank Bangladesh

... | |» 1.03. Methodology | | |» 1.04. Scope of the Report | | |» 1.05. Limitations of the Study | | |∆∆Chapter- 2 (Prime Bank at a Glance) | | |» 2.01. Background | | |» 2.02. Objective of the bank | | |» 2.03. Corporate information | | |» 2.04. Departments of Prime Bank | | |» 2.05. Branch Network...

Words: 22086 - Pages: 89

Premium Essay

Comprehensive Ratio Analysis on Prime Bank Limited

...REPORT ON “A Comprehensive Ratio Analysis on Prime Bank Ltd.” Law & Practice of Banking F-209 Submitted To Umma Rumana Huq Lecturer Department of Finance Faculty of Business Studies University of Dhaka Submitted By: Group 05 Name | ID | Anika Alam | 18-036 | Fariha Tabassum | 18-042 | Rafi Uddin Ahmed | 18-108 | Ulfat Ara Joya | 18-122 | Sabrina Tahira | 18-136 | Ifteqar Rahman | 18-204 | Submission Date: 11 Feb. 2014 LETTER OF TRANSMITTAL 11 Feb. 2014 Umma Rumana Huq Lecturer Department of Finance Faculty of Business Studies University of Dhaka Subject: Submission of the report named “A Comprehensive Ratio Analysis on Prime Bank Ltd.” Dear Madam We submit here our term paper on “A Comprehensive Ratio Analysis on Prime Bank Ltd.” that you assigned us to prepare. We selected some books, collected some data and prepared our term paper on the basis of our findings. During preparation, our all group members contributed their best efforts. Surely it enriches our knowledge and promotes study. We have also learnt much about the issue of Fire insurance in Bangladesh. We are grateful to you for giving us such an opportunity for working on the topic. We shall be available for any clarification, if required. Sincerely The members of group 05 Acknowledgement The report “A Comprehensive Ratio Analysis on Prime Bank Ltd.” has been talented with the congregated efforts and contribution...

Words: 10860 - Pages: 44

Premium Essay

Prime Bank of Massachusetts Was Started in 1964

...Extensions will only be granted under exceptional circumstances and by those indicated below: * LLLextensions@itcarlow.ie (LLL Carlow & Wicklow) * Janette Davies (LLL Wexford) Assignments submitted late (without extension granted) will be corrected but this mark will not be included for grading purposes. Prime Bank of Massachusetts Prime Bank of Massachusetts was started in 1964 with James Rogers as CEO, who is now chairman of the board. Prime Bank had been growing steadily since its beginning and has developed a loyal customer following. Today there are 45 bank locations throughout Massachusetts, with corporate headquarters in Newbury, Massachusetts. The bank offers a wide array of banking services to commercial and noncommercial customers. Prime Bank has considered itself to be a conservative, yet innovative, organization. Its locations are open Monday–Friday 9–4and Saturday 9–12. Most of the facilities are located adjacent to well-established shopping centres, with multiple ATM machines and at least three drive-through windows. However, Prime Bank’s growth has brought on certain problems. Having the right amount of tellers available in the bank as well as in the drive-through window has been a challenge. Some commercial customers had recently expressed...

Words: 718 - Pages: 3

Free Essay

Fundamental and Technical Analysis of Prime Bank Limited

...Fundamental & Technical Analysis of Prime Bank Ltd. Technical analysis looks at the price movement of a security and uses this data to predict its future price movements. Fundamental analysis on the other hand looks at economic factors which are known as fundamentals. Fundamental & Technical Analysis of Prime Bank Ltd. Group:16 Department of Finance. Jagannath University, Dhaka Page Fundamental & Technical Analysis of Prime Bank Ltd. Submitted To, Kawser Ahmed Shiblu Lecturer Department of Finance Jagannath University, Dhaka Submitted By Uttam Golder On the behalf of Group: 16 Department of finance Jagannath University, Dhaka Department of Finance. Jagannath University, Dhaka Page i Fundamental & Technical Analysis of Prime Bank Ltd. List of Group Member Serial 1. 2. 3. 4. 5. Name Uttam Golder Rajib Chandra Banik Md. Monir Hossain Joy Roy Choudhury Md. Al-Masur Rahaman Khan ID M 130203004 M 130203025 M 130203069 M 130203033 M 130203077 Department of Finance. Jagannath University, Dhaka Page ii Fundamental & Technical Analysis of Prime Bank Ltd. Letter of Transmittal February 15, 2015 Kawser Ahmed Shiblu Lecturer Department of Finance, Jagannath University, Dhaka Subject: - Submission of report on “Fundamental & Technical Analysis of Prime Bank Ltd.” Dear Sir, With due respect, we would like to state that it is a matter of great pleasure and honor for us to submit our report on...

Words: 54237 - Pages: 217

Premium Essay

Marketing of Financial Services & Market Retention and Extension Strategy of Prime Bank Limited

...the structure, functions, and performance of the organization. * The Project Work: Pertaining to a particular problem matching with the internee’s capacity and organization’s requirement. * The Report writing: To demonstrate the internee’s analysis, findings and achievements, in the proceeding one phase. In this connection, I was assigned to Prime Bank Ltd.(PBL) SBC Tower Branch, Credit & General Banking Department for my practical orientation. The topic “Marketing of Financial Services and Market Extension & Retention Strategy of Prime Bank Limited” was selected by the Human Resource Division of Prime Bank Limited. This report covers the details of Prime Bank’s practices about Marketing Activities emphasizing “Marketing of Financial Services and Market extension & retention Strategy of prime bank limited. 1.2 Objective of the Report- General Objective: The general objective of the report is to know about the management system and Service marketing activities applied to extend & retain market of Prime Bank Limited as a private commercial bank as well as its...

Words: 14607 - Pages: 59

Premium Essay

Crm Strategy of Prime Bank

...It's a well known fact that no business can exist without customers. In the business of Website design, it's important to work closely with your customers to make sure the site or system you create for them is as close to their requirements as you can manage. Because it's critical that you form a close working relationship with your client, customer service is of vital importance. What follows are a selection of tips that will make your clients feel valued, wanted and loved. 1. Encourage Face-to-Face Dealings This is the most daunting and downright scary part of interacting with a customer. If you're not used to this sort of thing it can be a pretty nerve-wracking experience. Rest assured, though, it does get easier over time. It's important to meet your customers face to face at least once or even twice during the course of a project. My experience has shown that a client finds it easier to relate to and work with someone they've actually met in person, rather than a voice on the phone or someone typing into an email or messenger program. When you do meet them, be calm, confident and above all, take time to ask them what they need. I believe that if a potential client spends over half the meeting doing the talking, you're well on your way to a sale. 2. Respond to Messages Promptly & Keep Your Clients Informed This goes without saying really. We all know how annoying it is to wait days for a response to an email or phone call. It might not always be practical to deal...

Words: 1227 - Pages: 5

Free Essay

Short Overview on Prime Bank Limited

...(n D' (D Fg - >FU Yir-- EO rDF T. 318 F FF E 11, :')ti ni tv wll D9 r^\ Ff Nlri- I (, ]tif b'J vhr Y Fr(D Fl i-. !1 J-. tD 5 \JA ,iE o\ Fil i-,lo (D g il= *; Hd$t,H€[3i [iliIrlgllEalt { o o ='E' { o '' i t, I \, -l F|. H .Y FAEglEEEEEEEFI |l. FI FI (D tt w se iig+lilgiirglE N) A -l ft - FI ts ) -. FI (D F -. a *slaE; iF=i5F*EfliiFl Y Y Y V Y gi sE 5g'g + s : g * iE I * D g ggFg i il; +FFF*$ F F FF rn:-$-9€tD rB i T $ z tD is e Faa' = = x o*- i=* = q=l r = iFcs .f { o Fl n -D ( Hi H !F H YY D? Ei? 3 fl --d e 8 t E > o) i Is { !r H8 _E' 7 aq E =,= +3 Fs n - !t Y Y Y *$: + FI; FlII e!fi-3 = =?d= o tD $:*F FF:13s; 'f A l $ 1F 3= +=g = d' lr.' = F =+i =1 E-E Wt i; Y=;- 3a v = :f.+. *€€ 3;a =-77 iF Er-as qE: Ega *e; ;'8.:. E? 5 -l (+ Ft It o a tD I F. N v FI f) (D -f . Fl sl (D g :. N =F; HFE -i,et ryaE i; *=E Fp-+ Ei ii m!s-c +HsEe'qiil. g=#$#B#E ll I ii*tE$' iiFa*++* qi ss3q5 q$3€F€[.' tr 6# ='Li,,;d *E1$EEFi[ilEiEiE ;i =.o' xg =.d=.*i et E,'-'sE 4=3a6ag. lF g s FHiqes+ ir q$ddi' eo A € =, a E"49FE qF 5 q ,641=Es gi r'r-oo o:E .r nA O { A v I - H D? fr a s * EFH=sfi 5 E Ta9itsge ,E_;3f fi JO . 3E' '' = d= E-;SqA ;= :':-6 fl X (r,f;f SidE o f A Ei SefE F Fsli il q =€Eq + i o '=CLO I H 0 E' 0 - 3= cL IF lcn EageSlt q/to 3El3'916 391Ee ae l=1 Gt t9 ,.i =F=rrrrlql u q€ E aH QeQaps'l$ gEAgFHE 93fi*fl5" <-cL.D{Y ez 1E< (D-g=.{rD' g8.F,E A H e.='igg CLtrt<-E =t4qs 53e63 qrSUrxo...

Words: 488 - Pages: 2