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MBA; Internship repot on
Credit Management and General Banking: A practical Study
on Janata Bank Limited,

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  • 1. MBA; Internship repot CREDIT MANAGEMENT& GENERAL BANKING OF JANATA BANK THE UNIVERCITY OF ASIA PACIFIC Department of Business Administration Chapter :01( One ) INTRODUCTION 1.1Introduction 1.2Origin of the report 1.3Rationale of the study 1.4Objectives of the report 1.5Scope of the study 1.6Methodology of the study 1.7Limitations of the study
  • 2. MBA; Internship repot CREDIT MANAGEMENT& GENERAL BANKING OF JANATA BANK THE UNIVERCITY OF ASIA PACIFIC Department of Business Administration Chapter :02( Two ) JANATA BANK: A STUDY 2About Janata Bank Limited 2.1Vision of Janata Bank 2.2Mission of Janata Bank 2.3Objectives of Janata Bank 2.4Values of Janata Bank 2.5Business Philosophy of Janata Bank Ltd. 2.6Their Long Term Strategy 2.7Business Areas of Janata Bank Ltd. 2.8Organizational Structure of Janata Bank 2.9History of The Bank 2.9.1Functions of The Bank 2.9.2Branch Network 2.9.3Management System 2.9.4Products and Services 2.9.5 Credit program 2.9.6Performance of Janata Bank 2.9.7Loans and advances
  • 3. MBA; Internship repot CREDIT MANAGEMENT& GENERAL BANKING OF JANATA BANK THE UNIVERCITY OF ASIA PACIFIC Department of Business Administration Chapter :03( Three ) LITERATURE REVIEW 3.1 CREDIT MANAGEMENT 3.2PROCESS OF CREDIT MANAGEMENT 2.2.1Policy guidelines 2.2.2Management structure and responsibilities 2.2.3 Program guidelines 3.3TOOLS OF CREDIT MANAGEMENT 3.3.1Definition of Credit Risk Grading (CRG) 3.3.2Functions of Credit Risk Grading 3.3.2 Functions of Credit Risk Grading 3.3.3Use of Credit Risk Grading 3.3.4Number and short name of grades used in the CRG 3.3.5Financial Spread Sheet in Credit Management
  • 4. MBA; Internship repot CREDIT MANAGEMENT& GENERAL BANKING OF JANATA BANK THE UNIVERCITY OF ASIA PACIFIC Department of Business Administration Chapter :04( Four ) CREDIT POLICY 4.1 MEANING OF CREDIT POLICY 4.2 OBJECTIVE OF CREDIT POLICY 4.3 FORMULATION OF CREDIT POLICY 4.4 ESSENTIAL COMPONENTS OF A SOUND CREDIT POLICY 4.5 LENDING GUIDELINES: 4.5.1 Industry and business segment focus 4.5.2 Types of credit facilities
  • 5. MBA; Internship repot CREDIT MANAGEMENT& GENERAL BANKING OF JANATA BANK THE UNIVERCITY OF ASIA PACIFIC Department of Business Administration Chapter :05( Five ) FUND INVESTED BY JANATA BANK 5.1 INTRODUCTION 5.2 ECONOMIC SECTOR WISE DISTRIBUTION OF FUND 5.3 NATURE WISE DISTRIBUTION OF LOANS AND ADVANCES 5.4 MATURITY GROUPING OF DISTRIBUTION LOANS AND ADVANCES 5.5 SECURITIES IN CREDIT MANAGEMENT
  • 6. MBA; Internship repot CREDIT MANAGEMENT& GENERAL BANKING OF JANATA BANK THE UNIVERCITY OF ASIA PACIFIC Department of Business Administration Chapter :06( Six ) LOAN DISBURSEMENT PROCEDURE OF JANATA BANK 6.1 GETTING CREDIT INFORMATION 6.2 INFORMATION COLLECTION 6.3 ANALYZING THESE INFORMATION 6.4 LENDING RISK ANALYSIS (LRA) 6.5 PROPOSAL ANALYSIS 6.6 COLLATERAL EVALUATION 6.8 PROPER SUPERVISION OF THE PROJECT 6.7 FINAL DECISION ABOUT THE PROJECT 6.9 DOCUMENTATION OF THE LOAN 6.10 CREATION OF CHARGES FOR SECURING LOAN
  • 7. MBA; Internship repot CREDIT MANAGEMENT& GENERAL BANKING OF JANATA BANK THE UNIVERCITY OF ASIA PACIFIC Department of Business Administration Chapter :07( Seven ) RECOVERY PERFORMANCE OF JANATA BANK 7.1 PROGRAMS FOR LOAN RECOVERY 7.2 RECOVERY PROGRAMS TO BE TAKEN BY JANATA BANK 7.3 RECOVERY PATTERNS AND LOAN AND ADVANCES 7.4 PROBLEMS IN LOAN RECOVERY
  • 8. MBA; Internship repot CREDIT MANAGEMENT& GENERAL BANKING OF JANATA BANK THE UNIVERCITY OF ASIA PACIFIC Department of Business Administration Chapter :08(Eight ) CLASSIFIED LOANS AND BANK’S PERFORMANCE 8.1 INTRODUCTION 8.2 SIGNS FOR CLASSIFICATION 8.3 LOAN CLASSIFICATION-GUIDELINES FROM BANGLADESH BANK 8.4 PERFORMANCE OF JANATA BANK 8.5 IMPACT OF PROVISION FOR LOAN ON BANK’S PROFIT
  • 9. MBA; Internship repot CREDIT MANAGEMENT& GENERAL BANKING OF JANATA BANK THE UNIVERCITY OF ASIA PACIFIC Department of Business Administration Chapter :09(Nine ) GUIDELINES FOR CREDIT MANAGEMENT 9.1 INTRODUCTION 9.2 THE COMPANIES ACT 1991 9.3 THE INTERNATIONAL ACCOUNTING STANDARDS (IAS)- 30 9.4 GUIDELINES FOLLOWED BY BANK UNDER STUDY
  • 10. MBA; Internship repot CREDIT MANAGEMENT& GENERAL BANKING OF JANATA BANK THE UNIVERCITY OF ASIA PACIFIC Department of Business Administration Chapter :10 ( Nine) General Banking 10.1 To know how an Account in Bank can be opened. 10.2 To be acquainted with different types of Bank Account. 10.3 To know about Cash Management at Branch level. 10.4 To know about the daily Accounting process of Bank at branch level. 10.5 To know about the trends of deposits at FarmgateCorporat Branch Dhaka 10.6 To know about different services provided by JBL, FarmgateCorporat Branch Dhaka 10.7 To be acquainted with SWOT Analysis.
  • 11. MBA; Internship repot CREDIT MANAGEMENT& GENERAL BANKING OF JANATA BANK THE UNIVERCITY OF ASIA PACIFIC Department of Business Administration Chapter :11(Eleven) FINDINGINGS &ANALYSIS
  • 12. MBA; Internship repot CREDIT MANAGEMENT& GENERAL BANKING OF JANATA BANK THE UNIVERCITY OF ASIA PACIFIC Department of Business Administration Chapter :12 (Twelve) Conclusion and recommendation
  • 13. MBA; Internship repot CREDIT MANAGEMENT& GENERAL BANKING OF JANATA BANK THE UNIVERCITY OF ASIA PACIFIC Department of Business Administration Bibliography