...Internship Report On Credit Management Of First Security Islami Bank Limited(FSIBL) - A Case Study Supervised by Kamrul Hasan Assistant Professor Department of Business Administration Southern University Bangladesh Prepared By Rahul Palit ID-111-30-14 Major –Finance Date of submission: 8th OCTOBER, 2012 Letter of Transmittal 8th OCTOBER, 2012 Dean Faculty of Business Administration Southern University Bangladesh Subject: Submission of Internship Report. Dear Sir, It is my great pleasure to submit the internship report on Credit Management of First Security Islami Bank Limited (FSIBL) - A Case Study. I made sincere efforts to study related materials, documents, observe operations performed in First Security Islami Bank Limited. and examine relevant records for preparation of the report. I had to put in a lot of effort & hard work to the preparation of this report with the help of all the bank officials in the Bahadder Hat Branch. Within the time limit, I have to make this report as comprehensive as possible. But there may be some mistakes due to various limitations. For this reason, I ask for your kind consideration in this regard. Yours Faithfully, --------------------------Rahul Palit ID-111-30-14 Students Declaration I hereby announced that the extensive study entitled Credit Management of First Security Islami Bank Limited (FSIBL) - A Case Study.(Conducted on behalf of First Security Islami Bank Limited, Head Office, HR Division)Prepared in partial...
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...Role of Financial Institutions in the financial development and economic development Financial intermediaries perform an important role in the development process, particularly through their role in allocating resources to their most productive uses. More efficient financial markets help economic agents hedge, trade, pool risk, raising investment and economic growth. Financial institutions provide consumers and commercial clients with a wide range of services and different types of banking products. The importance of financial institutions to the wider economy is apparent during market booms and recessions. During economic upturns, financial institutions provide the financing that drives economic growth, and during recessions, banks curtail lending. This can exacerbate a country's financial problems and draw attention to the fact that economies are heavily reliant upon the financial sector. The importance of financial institutions and passed legislation made it easier for more people to obtain products and services from these entities. In many countries, banks are encouraged or even compelled to lend money to home buyers and small businesses. Readily available loans encourage consumer spending, and this spending leads to economic growth. There is now a clear realization that sustainable development will not and cannot be achieved by governments acting alone. In this context, the expertise of the private sector plays an important role. Role of Financial Institutions in the...
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...Internship Report on “Analysis of Credit Department of Dhaka Bank Limited” Submitted to: Afsana Akhter, Senior Lecturer and Shamim Ehsanul Haque, Lecturer BRAC Business School BRAC University Submitted by: Emran Hussain (ID – 06204025) Submitted on: 10th May, 2010 1 Letter of Transmittal May 10th, 2010 Afsana Akhter, Senior Lecturer Shamim Ehsanul Haque, Lecturer BRAC Business School BRAC University Dear Sir and Madam, With great pleasure I submit this internship report that I have been assigned to us as an important requirement of BBA program at BRAC University. I have found the study to be quite interesting, beneficial and knowledgeable. I have tried my level best to prepare an effective & creditable report. This report is about the Credit Analysis of the Credit Department of Dhaka Bank Limited. I also want to thank you for your support and patience with me and I appreciate the opportunity provided by BRAC University and Dhaka Bank Limited to work on this wonderful project. Yours sincerely, Emran Hussain (ID – 06204025) 2 Acknowledgement I would like to express my gratitude to all the people that were involved both directly and indirectly in the preparation of this report. I apologize to the people whose names that I have not mentioned, and their contribution is highly appreciated by me. At first, I would like to thank my academic supervisor Afsana Akhter – Senior Lecturer, BBS, BRAC University – for guiding me and for giving me...
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...“Analysis of Credit Department of Dhaka Bank Limited” Submitted to: Afsana Akhter, Senior Lecturer and Shamim Ehsanul Haque, Lecturer BRAC Business School BRAC University Submitted by: Emran Hussain (ID – 06204025) Submitted on: 10th May, 2010 1 Letter of Transmittal May 10th, 2010 Afsana Akhter, Senior Lecturer Shamim Ehsanul Haque, Lecturer BRAC Business School BRAC University Dear Sir and Madam, With great pleasure I submit this internship report that I have been assigned to us as an important requirement of BBA program at BRAC University. I have found the study to be quite interesting, beneficial and knowledgeable. I have tried my level best to prepare an effective & creditable report. This report is about the Credit Analysis of the Credit Department of Dhaka Bank Limited. I also want to thank you for your support and patience with me and I appreciate the opportunity provided by BRAC University and Dhaka Bank Limited to work on this wonderful project. Yours sincerely, Emran Hussain (ID – 06204025) 2 Acknowledgement I would like to express my gratitude to all the people that were involved both directly and indirectly in the preparation of this report. I apologize to the people whose names that I have not mentioned, and their contribution is highly appreciated by me. At first, I would like to thank my academic supervisor Afsana Akhter – Senior Lecturer, BBS, BRAC University – for guiding me and for giving me the opportunity to initiate...
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...Internship Report on “Analysis of Credit Department of Dhaka Bank Limited” Submitted to: Afsana Akhter, Senior Lecturer and Shamim Ehsanul Haque, Lecturer BRAC Business School BRAC University Submitted by: Emran Hussain (ID – 06204025) Submitted on: 10th May, 2010 1 Letter of Transmittal May 10th, 2010 Afsana Akhter, Senior Lecturer Shamim Ehsanul Haque, Lecturer BRAC Business School BRAC University Dear Sir and Madam, With great pleasure I submit this internship report that I have been assigned to us as an important requirement of BBA program at BRAC University. I have found the study to be quite interesting, beneficial and knowledgeable. I have tried my level best to prepare an effective & creditable report. This report is about the Credit Analysis of the Credit Department of Dhaka Bank Limited. I also want to thank you for your support and patience with me and I appreciate the opportunity provided by BRAC University and Dhaka Bank Limited to work on this wonderful project. Yours sincerely, Emran Hussain (ID – 06204025) 2 Acknowledgement I would like to express my gratitude to all the people that were involved both directly and indirectly in the preparation of this report. I apologize to the people whose names that I have not mentioned, and their contribution is highly appreciated by me. At first, I would like to thank my academic supervisor Afsana Akhter – Senior Lecturer, BBS, BRAC University – for guiding me and for giving me...
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...Chapter 1: Introduction SME finance is the funding of small and medium sized enterprises, and represents a major function of the general business finance market – in which capital for different types of firms are supplied, acquired, and costed or priced. Capital is supplied through the business finance market in the form of bank loans and overdrafts; leasing and hire-purchase arrangements; equity/corporate bond issues; venture capital or private equity; and asset-based finance such as factoring and invoice discounting. Small & Medium Enterprises, commonly known as SMEs, are relating to three types of sectors,( Service, Business & Industry ) typically labor intensive industries with relatively low capital intensity. For a country like Bangladesh where labor is abundant and capital scarce, SME plays a significant role in employment generation, poverty reduction and overall economic growth of our country. SMEs may not always have the same access to banks and financial institutions as larger firms. Banks are reluctant to expand their SME credit portfolio because lending to SMEs was not considered to be attractive and profitable undertaking. SMEs are regarded as high risk borrowers because of their low capitalization, insufficient assets and inability to comply with collateral requirements of the banks. Administrative costs are also higher because of close monitoring and supervision and credit management of the SME portfolio. Despite all these facts, banks and financial institutions...
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...Chapter: 1 SME Financing in Bangladesh We have come across many definitions of SMEs in Bangladesh. According to the Industrial Policy document from the Ministry of Industries, a small enterprise is defined as a registered enterprise with less than 50 workers, excluding the cottage units, and with a fixed capital investment of less than BDT 100 million. A medium enterprise is defined as a registered enterprise with between 50 and 99 workers, and/or with a fixed capital investment between BDT 100 million and BDT 300 million. The PCBs (Private Commercial Banks) seem to have various definitions based on loan components. The small-scale segment is in general defined as enterprises with a loan component between BDT 300,000 and BDT 10 million (between USD 5,500 and USD 185,000). Medium companies are said to have a loan component between BDT 10 million and BDT 100 million (between USD 185,000 and USD 1.85 million). Under yet another definition the World Bank estimates that Bangladesh has approximately 27,000 medium-scaled enterprises (here defined by the Government of Bangladesh as registered enterprises with assets larger than USD 600,000 equivalent) and 150,000 small-scale enterprises (registered enterprises with assets of less than USD 600,000 equivalent). The small and medium scale enterprises (SMEs) are mainly found within the industry and services sector. In Bangladesh, the SMEs account for about 45 percent of manufacturing value addition, 80 percent of industrial employment...
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...Ltd.) A study on Loan Disbursement system of IFIC Bank (Dhaka Stock Exchange Branch Ltd) Prepared for: Dr. Shahriar Kabir Assistant Professor, School of Business University of Liberal Arts Bangladesh Prepared by: Saif Ur Rashid ID: 081011050 School of Business University of Liberal Arts Bangladesh December 22, 2011 Letter of Transmittal December 22, 2011 Dr. Shahriar Kabir Assistant Professor, School of Business University of Liberal Arts Bangladesh Subject: Submission of Report titled: “A study on Loan Disbursement system of IFIC Bank (Dhaka Stock Exchange Branch Ltd.)” Dear Assistant Professor Dr. Shahriar Kabir PhD (Curtin University Australia) It is my pleasure to submit you the internship report on “A study on Loan Disbursement system of IFIC Bank (Dhaka Stock Exchange Branch Ltd.)”. I understand that the report submission is a requirement for the completion of BBA program from University of Liberal Arts Bangladesh. This report covers the loan disbursement system of IFIC Bank Dhaka Stock Exchange Branch Ltd. But unfortunately not all loans are given to the clients. So my report does not cover the loans which are not given. I tried my best to make this report complete and error free. I would be grateful if you accept my report. Sincerely Yours Saif Ur Rashid ID: 081011050 Contents 1.0 Background 1 2.0 Background of IFIC Bank 2 2.1 OBJECTIVE of My Report 2 2.2...
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...LOAN DISBURSEMENT AND RECOVERY SYSTEM OF JANTA BANK LTD. Prepared by Md. Nizam Uddin Forhad ID: 112011097 Supervised by Palash Kumar Kundu Senior Lecturer Submitted in Partial Fulfillment of the Requirements for the Degree Bachelor of Business Administration Date: 09 August 2015 Internship Report Approval Form Student Name MD. Nizam Uddin Forhad ID No.112011097 Major: Accounting Year: 2015 Local Phone: +8801675000325 Email: nizam.uddin.bba@ulab.edu.bd --------------------------------------------------------------------------------------------------------------------------- INTERNSHIP/PROJECT INFORMATION Internship Organization/Project: Janata Bank Ltd. Internship /Project Report Topic: Loan Disbursement and Recovery System _____________________________________________________________________________________ _____________________________________________________________________________________ Semester (Tick one): □ spring 2015 □ summer 2015 □ fall 2015 --------------------------------------------------------------------------------------------------------------------------- SUPERVISOR APPROVAL (Please place a Tick) □ Approved □ Not Approved □ Partial Re-write □ Full Re-write Remarks (If Not Approved/Pretrial/Full Rewrite): _____________________________________________ _________________________________...
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...Executive Summary This report aims at providing an overall analysis of the repayment behavior of the SME loan borrowers of Brac Bank Limited. Before going to the analysis, it is mandatory to know something about the organization, its core products that it offers to its customers; about the SME loan, its classifications and the whole of its process starting from loan sanction to recovery and closing of the loan. That’s why, first of all, I made an overview of the organization, BRAC bank Limited, where I had completed my internship program. Here I tried to focus the bank’s history of origination, its mission and vision, major departments and business units and major products and services. Then I said something about Asset Operations Department, the department where I was to perform my job responsibility. SME is the next section where I gave my concentration. Here I focused on the terms and conditions of giving SME loan, enterprise selection criteria and documentation. Then talked about the procedure of SME loan where I delineated the sanction, disbursement, repayment and closing of SME loan. After talking about the whole process of SME loan, I made an attempt to analyze the repayment behavior of SME loan borrowers. For this end in view, I have collected information about 20 SME borrowers. Then I have chosen eight major variables which have an impact on the recovery rate of SME loan. That is, these are the variables which may change the repayment behavior of SME borrowers...
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...Internship Report On Loan Processing, Credit Appraisal, Follow-Up &Recovery Procedure of IFIC Bank Limited Internship Report On Loan Processing, Credit Appraisal, Follow–up & Recovery Procedure Of IFIC Bank Limited Prepared For: Mohammad Tanvi Newaz Assistant Professor, BRAC Business School BRAC University Prepared By Nafisa Marzan ID: 10304087 BRAC Business School Major in HRM & Finance BBA (Summer 2014) Date of Submission: 10September, 2014 Letter of Transmittal Date: 18th September, 2014 Mohammad Tanvi Newaz Assistant Professor, and Coordinator, MBA Program BRAC Business School BRAC University Subject: Submission of Internship Report on “Loan Processing, Credit Appraisal, Follow – up& Recovery Procedure of IFIC Bank Limited”. Dear Sir, With due respect and humble submission, I like to state that I have completed my Internship report on “Loan Processing, Credit Appraisal & follow-up Recovery Procedure of IFIC Bank Limited”. The internship program has given me the opportunity to learn about different aspects of this well reputed organization. Before facing the corporate world, I have gathered general idea about the organization culture and activities. Without sincere cooperation and proper guidance of you it was not possible for me to prepare this report. For this act of kindness, I am grateful to you. I have tried my best to make this report as informative, practical, reliable and relevant as Possible. In preparation of this...
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...Investment of First Security Islami Bank Ltd” [pic] “Overall Branch Banking and A Comprehensive Review on Investment of First Security Islami Bank Ltd” Submitted to Dr. Mohammad Fashiul Alam Professor Department of Management Faculty of Business Administration, University of Chittagong. Submitted by Muhammed Ehsanuzzaman Program: EMBA ID No – 09535071 Batch – 34th School of Business University of Information Technology & Sciences 40/1, Zakir Hossain Road, Khulshi, Chittagong. Submission Date This report is submitted as the partial fulfillment of EMBA program Letter of Submission September 0, 2011. To Dr. Mohammad Fashiul Alam Professor Department of Management Faculty of Business Administration, University of Chittagong. Subject: Submission of Research Paper Dear Sir, It is my pleasure to submit my Research Paper on “Overall Branch Banking and A Comprehensive Review on Investment of First Security Islami Bank Ltd “as a part of E.M.B.A. Program. I tried my best to gather relevant information for preparing a complete report by following internship proposal. Without the sincere co-operation and proper guidance of you, it is not possible for me to prepare the report. For this act of kindness I am grateful to you. This report is not free from mistake due to some limitations. I hope you will accept it with gracious consideration. ...
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...1.1 Origin of the Report Bachelor of Business Administration (BBA) Course requires a three months attachment with an organization followed by a report assigned by the supervisor in the organization and endorsed by the faculty advisor. I took the opportunity to do my internship in BRAC Bank Limited at its Head office at Gulshan-1, Dhaka. Here I have conducted my study on “Credit Approval & Monitoring process of BRAC Bank Limited” with respect to Bangladesh Bank guidelines. My faculty supervisor Mr Khandaker Zahidul Alam, Assistant Professor of BRAC Business School, BRAC University, also approved the topic and authorized me to prepare this report as part of the fulfillment of internship requirement and gave me proper guidance and assistance over time. 1.2 Background of the Report Four years back, Bangladesh Bank undertook a project to review the global best practices in the banking sector and examines in the possibility of introducing these in the banking industry of Bangladesh. Four ‘Focus Groups’ were formed with participation from Nationalized Commercial Banks, Private Commercial Banks & Foreign Banks with representatives from the Bangladesh Bank as team coordinators to look into the practices of the best performing banks both at home and abroad. These focus groups identified and selected five core risk areas and produced a document that would be a basic risk management model for each of the five 'core' risk areas of banking. The five core risk areas are as...
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...CHAPTER: ONE ORIENTATION TO THE REPORT CHAPTER-1 Orientation to the Report 1.1 THE AUTHORIZATION FACT Internship is a compulsory requirement for everybody pursuing a BBA degree at University of Dhaka. The Internship program includes organizational attachment period of 12 weeks and report writing period of 4 weeks. I am working with the Operations Divisions of IDLC Finance Limited. After consultation with my faculty advisor Mr. Md. Nazim Uddin Bhuiyan and my supervisor in the host organization Mr. Md. Abdul Hannan, I decided to work on the policies and practices of credit risk management and appraisal process of IDLC. I strongly believe that, this study will enrich my knowledge in the very crucial area of the financial institutions (FIs): Credit Risk Management. 1.2 OBJECTIVES OF THE REPORT • MAIN OBJECTIVE: The main focus of the report is on credit risk management practices and credit appraisal procedure of IDLC Finance Limited. • SPECIFIC OBJECTIVES: The specific objectives are: ❖ To look at the portfolio of sectors financed by IDLC ❖ To evaluate the norms and rules practiced in assessing the borrower ❖ To compare the credit policy of IDLC with the credit policy guideline for the financial institutions (non-bank) of Bangladesh Bank and to identify the extent to which IDLC follows this guideline. ❖ To compare the credit risk management practices of IDLC Finance Limited with that of Industrial Promotion and Development Company of Bangladesh...
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...Credit Risk Management CHAPTER: ONE ORIENTATION TO THE REPORT CHAPTER-1 Orientation to the Report 1.1 THE AUTHORIZATION FACT Internship is a compulsory requirement for everybody pursuing a BBA degree at University of Dhaka. The Internship program includes organizational attachment period of 12 weeks and report writing period of 4 weeks. I am working with the Operations Divisions of IDLC Finance Limited. After consultation with my faculty advisor Mr. Md. Nazim Uddin Bhuiyan and my supervisor in the host organization Mr. Md. Abdul Hannan, I decided to work on the policies and practices of credit risk management and appraisal process of IDLC. I strongly believe that, this study will enrich my knowledge in the very crucial area of the financial institutions (FIs): Credit Risk Management. 1.2 OBJECTIVES OF THE REPORT • MAIN OBJECTIVE: The main focus of the report is on credit risk management practices and credit appraisal procedure of IDLC Finance Limited. • SPECIFIC OBJECTIVES: The specific objectives are: ❖ To look at the portfolio of sectors financed by IDLC ❖ To evaluate the norms and rules practiced in assessing the borrower ❖ To compare the credit policy of IDLC with the credit policy guideline for the financial institutions (non-bank) of Bangladesh Bank and to identify the extent to which IDLC follows this guideline. ❖ To compare the credit risk management practices of IDLC Finance Limited with that of Industrial Promotion and Development Company...
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