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Published by Md.Islam Shajib

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Published by: Md.Islam Shajib on Dec 03, 2010
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Prime Bank 
Credit Operation Process Of Prime Bank Ltd
Chapter 1: Introduction
1.1 Back ground of the study
Banking Industry is one of the most promising industries of our country. The importanceof the sector revealed through its contribution in the economic growth of the country.This sector accelerates economic growth through mobilizing funds from surplus unit tothe deficit unit. Banking Industry is moving towards rapid changes due to technologicalinnovation and diversified needs of its customers.Banks deal with the most important factor of the economy i.e. Money. It flows fundsfrom surplus unit to deficit unit and through this it facilitated the efficient allocation of the resources as well as accelerated economic growth. This sector is moving towards newdimension as it is changing fast due to competition, deregulation, financial, reforms.As the pace of globalization competition in banking sector is increasing very fast. Banksare becoming more customers oriented and offer High tech customized products to itstarget market to hold the market .Our central bank always keep monitoring banks performances. Individual banks also need to assess their own performance to satisfy the parties those are related to its growth.
For Shareholders.
For depositor.
For Bangladesh Bank.
For its own Assessment to view the future growth and profited.
Origin of the Report
This report is an outcome of twelve weeks’ Internship Program, a part of BBA program of BRAC University. The topic of the report is “Credit OperationsProcess of Prime Bank Limited.” Actually this is a feedback, which the Bank accepts from the students who join in an organization after the completion of theoretical part of the BBA program. And this report is prepared to fulfill thefinishing requirement of the BBA program.As we know that the internship is an agreement between a University and anorganization that offers an opportunity for a student to undertake a temporary
Prime Bank 
Credit Operation Process Of Prime Bank Ltdwork assignment, which enables the student to have realistic exposure toorganizational conditions. My supervisor 
Mrs. Syeda Shaharbanu ShahbaziAhmed
Lecturer, BRAC Business School BRAC University authorized me to preparethe report.
1.3 Objective Of The study
The primary objective of this report is to use the theoretical concepts, gained in theclassroom situations, in analyzing real life scenarios. This is also a partial requirement of the BBA program. The total report is based on the different credit operationssystem of the Prime Bank Limited. Moreover an in-depth real life experience of the banking sector in terms of Credit division. . In case of this report, the objectivesare:
Observing and understanding the activities of the different departments of the hostorganization: Prime Bank Limited (PBL)
To know the enterprise selection criteria to provide different loan
To know the study’s and conditions of different loans
To know the expectations of customers of Prime Bank Ltd
To know the disbursement and recovery procedures of different loans
Prepare a Recommendation for developing an ideal platform for a proper CreditOperation Process
1.4 Scope of the Study
The report is basically divided into two parts:
The Organization Part
The Project PartThe organization part of the report focuses upon the organizational structure and thefinancial services offered by PBL. The study also concentrates upon the actual lendingactivities of the company, its exposure to the various sectors and its performance.
Prime Bank 
Credit Operation Process Of Prime Bank LtdThe project part of the report basically focuses on the Credit policy of Prime Bank Ltd. Ihave also tried to focus the different types of credit facilities, documentation and the procedure of the loan.
1.5 Sources of data
In conducting the study, data and information have been collected from different sources.All these data were collected from the secondary sources and very few from primarysources. The sources of data include the following:
Primary Sources are as follows
Personal observation
Interview of managers and employees of the different (General Banking,Credit and Foreign Exchange) departments of the bank 
Desk work in different section/division
Secondary Sources are as follows
Annual report of Prime Bank Limited
Credit Manuals, Different Banking Circulars
Consultation of related books and publications
Vouchers, leaflets, loan files, of the bank 
Files, balance sheet, Employee Training Guide, Loan Documents and variousdocuments of Prime Bank Limited
1.6 Methodology of The study
The total internship program is based on the credit scheme practice of PrimeBank Limited. This report was written through extensive and meaningful groupdiscussions with the concerned persons of the Prime Bank Limited. The report isDescriptive in nature. Data used in this report have been collected from both primary andsecondary sources. The study is a result of the discussion with my academic supervisor.

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