Posted on 6th Dec 2024 09:50:11 AM Accounting
1.1 Introduction
Bank is a service providing financial institution. Efficient and profitable Bank systems an indicator of good and healthy economy of a country. Two main functions of commercial bank best are summarized as the borrowing and lending of money. Bank borrows money by taking all kinds of deposit and demand deposit. Thus a commercial bank. Whether it is through current account of fixed deposit account, mobilized the saving of the society. Then it provides this money to those who are in need of it by discounting bill of promissory notes. Our work is loan management evalution of Agrani Bank PLC Rajshahi University Branch, Rajshahi. To examine the bank performance one should be well acquainted with the general banking function the amount of loan and advances in an important item in the evaluation of bank performance.
1.2 Objectives of the Study
The objective of the study is to familiarize myself with real market situation. This study gives us a chance to co-ordinate with the theoretical knowledge and the practical experience. The main objective of the study is to have an assessment about credit management & performance evalution of Agrani Bank PLC. In addition the study seeks to achieve the following objectives:
1.3 Scope of the Study
Agrani Bank PLC emerged 3th generation commercial bank to provide efficient banking services and to contribute socio-economic development of the country. My Study covers the organizational structure, background, functions, Loan management & performance evalution of Agrani Bank PLC
This study has been prepared on the basis of experience gathered during the period of internship from April 10 to July 10, 2024. As I was sent to Agrani Bank PLC, Rajshahi University Branch, the scope of the study is only PLC to this branch.
1.4 Methodology of the Study
To fulfill an internship program and prepare a complete report we need organizational data. The data was collected from the “Agrani Bank, Rajshahi University Branch” during the internship period. The data are two types as follows-
1.4.1 Collection of Primary Data
To collect the primary data, personal visits and interviews with the concerned officers were carried out. Several times I personally made open-discussion with the officers and employees in each department about my purpose and I collected information.
To prepare this report following two types of method are used-
1.4.1.1 Interview Method
I gathered information and data by interview. I have taken interview of the manager of Agrani bank, Rajshahi University Branch as well as some other officers who are related to Loan sections. They were quite cooperative within their limitation to provide required information and advice. I also discussed with some employees and clients of the Rajshahi University Branch in regard to their satisfaction in this branch.
My activities to collect primary data as like:
1.4.1.2 Questionnaire Method
At first we make a questionnaire as the instruction of our supervisor about the Agrani Bank, I first develop our questionnaire to discuss with the Manager and other officers of Agrani Bank, Rajshahi University Branch. They also added some question in our questionnaire. I collect information and data from the officers and sources.
1.4.2 Collection of Secondary Data
Official’s records of Agrani Bank PLC Rajshahi University Branch are the main source of secondary data. Moreover tried to collect more information from other available sources, such as-
The following tools and techniques have been used for this analysis:
1.5 Limitations of the Study
The clients were too busy to provide me much time for interview.
However, An internship program helps to enhance the ability to job experience and practical knoledge of job sector. It also makes professional attitude.
CONTENTS
CHAPTER ONE: INTRODUCTION
1.1 Introduction
1.2 Objectives of the Study
1.3 Scope of the Study
1.4 Methodology of the Study
1.3 Limitations of the Study
CHAPTER TWO: THEORETICAL OVERVIEW OF BANK
2.1 Bank
2.2 The Origin and Historical Evolution of Bank
2.3 Banking Background of Bangladesh
2.4 Commercial Bank
2.5 Organizational Structure
2.6 Function of Commercial Banks
2.7 A Brief Overview of Agrani Bank PLC
2.8 Location of Rajshahi University Branch Rajshahi
2.9 Hierarchy of Agrani Bank
2.10 Bank Divisions
2.11 Geographical location wise segments report
2.12 Highlights on the overall activities of the bank
2.13 Office and Branch of Agrani Bank PLC
CHAPTER THREE: LOAN MANAGEMENT
3.1 Introduction to Loan
3.2 Importance of Bank Loan (Macro and Micro Aspect)
3.3 Loan management
3.4 Objectives of Loan management
3.5 Target Customers of Agrani Bank, Rajshahi University, Branch
3.6 Importance of Loan Policy
3.7 Elements of a Good Loan Policy
3.8 Lending Principles Followed by Agrani Bank
3.9 Types of Loans and Advances Offered by Agrani Bank
3.10 Procedures for Giving Advances
3.11 Loan Risk Analysis
3.12 Types of Security
3.13 Common Methods of Charging Security and Their Nature of Security
3.14 Existing Process of Handling Loans
3.15 Guarantee
3.16 Issuance Procedure of Guarantee
3.17 Industrial Sectors Financed by Agrani Bank
3.18 Classification of Industrial Loan of Agrani Bank
3.19 Sources of Funds for Industrial Loan
3.20 Consortium for Industrial Loan
3.21 Application for Industrial Loan
3.22 Project Appraisal
3.23 Disbursement Procedures of Industrial Loan
3.24 The Process of Loan Recovery
3.25 Presentation and Interpretation of Data
CHAPTER FOUR: MAJOR FINDING AND RECOMMENDATION CONCLUSION
4.1 Finding
4.2 Recommendation
4.3 Conclusion
BIBLIOGRAPHY
Internship, Report, Loan, Management, Agrani, Bank, PLC, Rajshahi, University, Branch, Policy, Fund, Disbursement, Procedures, Industrial, Recovery, Consortium, Application, Guarantee
Share on Facebook