Credit management of Dhaka Bank Limited

Abstract

This is an orientation report which is conducted to find out the possibility of establishing the position of DBL and the real life day to day working experience of different tasks in Credit Department of Dhaka Bank Limited, Dhanmondi Branch. The main objectives of the report are identifying the credit approval and monitoring and their overall performance in the last few years. Both primary and secondary sources of data have been used to prepare this report. The first part of this report includes an introductory part which includes introduction, objective, scope, limitation and methodology. Second part of the report shows the working experience of my internship period at different division of DBL. The remaining part consisted of analysis, findings, recommendations and conclusion. Dhaka bank limited is one of the leading private banks in Bangladesh. And to serve the nation, DBL executes some activities for their customers like general banking, loan and advance, capital market operation etc. Dhaka bank collects deposit from public and offers it to other business or individual as loan. They pay interest to deposit holder and take interest from borrowers. They measure and examine all risk components before authorising a loan. After completing all the formalities, the respective officer disburses the loan. Then it becomes a duty of the bank to recover the disbursed loan. The report is prepared on actual information and working method practiced in DBL. The overall credit management of DBL has analysed to give a clean idea about the credit approval and monitoring policy of DBL and implementation of that policy.