CREDIT MANAGEMENT& GENERAL BANKING OF JANATA BANK
THE UNIVERCITY OF ASIA PACIFIC
MBA; Internship repot
To assess the credit structure of the bank in practice.
To measure the effectiveness of the bank in the utilization of available resources.
To identify the recovery performance of the bank.
To point out the problems in fund utilization and recovery thereon.
To make a critical reasoning in respect to the treatment of provision for bad and doubtfulcredit.
To assess and highlight on the legal actions followed by the bank.
To find out the extent of similarities and dissimilarities in the course of action followed byJanata Bank. To compare the credit management of the bank with the Bank Companies Act1991.
To evaluate the credit management of the bank with respect to IAS#30.
To compare the credit supervision of the bank. To compare the quantitative change from phase-1 (1996-2000) to phase-2 (2000-205).
To find out problems and suggesting recommendations for further improvement.
SCOPE OF THE STUDY
Janata Bank is the second largest commercial Bank in Bangladesh. Janata Bank operates through 848 branches including 4 overseas branches at United Arab Emirates. It is linked with 1221 foreigncorrespondents all over the world. I am assigned to learn practical knowledge from Janata Bank,29Dilkhusa Corporate Branch. B/A.Motijel.Dhaka-1000. In this study I would try to concentrate on thetheoretical aspect of credit management, that is, the definition of credit management, policy of creditmanagement, tools for managing credit etc. I would analyze the data on the bank and various programs for loan recovery, problems in loan in loan recovery, pattern of loan recovery and the performance of the bank under study in loan recovery, the information in respect to the classificationof unsound credit and provision thereon and also concentrates on the performance of the bank. Andfinally I would conclude with the critical evaluation of the credit management under the guidelines of the Bank Companies Act 1991, IAS#30 and a discussion on the major findings and recommendations.
METHODOLOGY OF THE STUDY
The report is descriptive in nature. To fulfill the objectives of this report total methodology hasdivided into two major parts:
Data Collection Procedure:
In order to make the report more meaningful and presentable, two sources of data and informationhave been used widely.
The “Primary Sources” a
re as follows:-
I have made questionnaire survey of both managers of credit department and the customers whohave taken loans from Janata Bank.
Relevant file study as provided by the officers concerned.