Credit appraisal process of Export Import bank of Bangladesh Ltd.

Abstract

This report is completed as a partial requirement of my internship, which is compulsory for every student of BRAC University. As I was working in EXIM Bank Limited, Gulshan Branch, Dhaka. I got the opportunity to learn, Credit Appraisal Process of EXIM bank. To get the idea of Credit Appraisal Process and relevant mechanism I had to work with the investment department of the bank.

For this report I had to collect all information from different written document, bank's officers, and as well as from bank web site. In this report I try to cover up a clear overview of EXIM bank limited, my three month job experience and my main report part credit appraisal process of EXIM bank.

This report divided into some chapters. In first chapter I try to portray the banks overall picture. Like when they came into the banking business sector and the history how they convert themselves from conventional banking to Islamic banking and so on. In second part I explain my job responsibilities at bank. Also try to make some my own observation and recommendation in this part. In Third chapter I talked about my main project topic. My project topic is Credit Appraisal Process of EXIM bank limited. Here I explain all the process regarding credit appraisal system of this Bank. Credit appraisal is the part of lending procedure. The procedure starts when borrowers come to any branch and seeking for loan and continues until the clients adjust the total loan. Here I have focused on different stage of lending procedure to assess the credit appraisal process. I showed it in a sequential flow chart. I also find out some problem related with the credit appraisal process and try to give some possible recommendations.