Comparative study on loan products of UCB

Abstract

This report is based on “Comparative Study on Loans products of UCB” which is prepared from my experience of working in Credit (Loans & Advances) Department at UCB Ltd. Bank’s most important works are collecting deposit from clients and giving loan to clients. Through this process banks are making revenue. The employees of UCB are very conscious about their work. They maintain a protocol to establish a good relationship with existing clients and new clients. For their good services every month UCB collected big amount deposit from clients. Managing those deposit money is very important work for any bank. UCB believe that about 80% to 90% of deposit money must be invested in loan section. This report focuses on different credit facilities provided by UCB and its overall procedure of lending. With the clear mission provide effective banking services and to contribute sociology-economic development of the country, UCB emerged as commercial bank and launched its operation on mid 1983. The bank has 158 branches all over the country. Those branches are always ready to provide good services for their clients. The major task for a bank is to survive in the competitive environment of credit service by managing its assets and liabilities in an effective way. UCB manages the assets and liabilities in effective way and earns success and prosperity constantly. Is operates in a disciplined and prudent manner with a focus on driving productivity with delivering sustainable improvements in business performance.