Credit management of Dhaka Bank Limited

Abstract

The report is originated in result of my internship programme which I have done as a requirement of BBA program .This report is completed based on my three months internship in Dhaka Bank Limited. This is an orientation report th at contains the real life day to day working experience of different tasks in Credit De partment of Dhaka Bank Limited, Uttara Branch. The objective of this study is to analyze the credit policy, c lient’s perception towards the performance of DBL, financial performance regarding credit e tc. To prepare this report both primary and secondary sources of data have been used. Apart f rom this a questionnaire has been made and did a survey on 25 regular clients. The first section of this report consists of an introductory part which has been develop ed for the proper execution of the entire report. Second part has explained the working experience of my internship period at different division of DBL. The remaining part consisted of analysis, findings, recommendations and conclusion. DBL is one of the leading private banks in Bangladesh. To serve the nation Dhaka bank performs some activities for their clients like general banki ng, loan and advance, capital market operation etc. Bank collects deposit from public and provi des it to other business or individual as loan. Bank pays interest to deposit holder and take interest from borrowers. Dhaka bank measure all risk components before sanct ioning a loan. When all the formalities completed then respective officer disburse t he loan. After disburse the loan it is duty of bank to recover the disbursed loan. This report i s based on actual information and working procedure practiced in DBL. The overall credit management of DBL has analyzed to give a clean idea about the policy of DBL and implementation of that policy by various mechanism and process. After completion of analysis, it is found that DBL credit polic y is quite lengthy & service charge is quite high. Banks credit deposit ratio is increasing f rom previous year. That means bank can invest properly and utilize more funds to maximiz e their profit. In year 2009 the non performing loan is 5.57% which is not a good sign. Finally it c an say that honesty, reliability, thoroughness and willingness to be open to ne w ideas and new ways of meeting customer needs are most important for success.