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Published by Aami Tanim

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Published by: Aami Tanim on Jul 02, 2012
Copyright:Attribution Non-commercial


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Prime Bank LimitedPrime Bank Limited
A bank with differenceA bank with difference
1.1 Origin of the Report
The report titled “Retail Banking Operations of Prime Bank Limited” has been prepared sinceit is partial fulfillment of the degree of Bachelor of Business Administration. In this report Ihave tried to focus on various retail products of Prime Bank, their features, operational procedures, market share, comparative analysis with other banks and also shown some trendanalysis regarding disbursement and recovery position of the bank. I have also made somerecommendations, which may be considered by the bank.
1.2 Problem statement
Retail Banking operations of Prime Bank Ltd.
1.3 Definition of the problem
Retail lending is one of the core businesses for Prime Bank Limited and has been targeted for significant further growth. This reflects the potential of retail lending to produce high levels of economic profit and perceived demographic trends toward an expanded middle class andhigher income levels. With a view to the above the bank started its Retail Banking Operationsince inception i.e. 1995. Initially there were only two products, one was Car Loan and another was Household durable Loan whereas at present the bank has 12 (twelve) in its retail baskets.The Management of the bank has given special attention in retail sector since 2005 and sincethen the bank has achieved a substantial growth in this sector.
Prime Bank LimitedPrime Bank Limited
A bank with differenceA bank with difference
1.4 Objective of the report
The broad objective of the study is to draw an overall view of the PBL retail products standingin perspective of contribution strength in profit making and then to identify the ways toimprove the current position of retail business.
1.5 Scope of the report
This study has done slowly on different features of retail products, procedures of sanctioningretail loan, position of retail loan. The information provided has reflected the observationsmade during the time period in which it was prepared and is subjective with respect to itssecondary data.
1.6 Methodology
1.6.1 Primary Information:
Consulting with the officers working under MIS, Sales, Assessment and Recovery Unit of Retail Banking Division. 
1.6.2 Secondary Information
Information has been collected through Annual Report of Prime Bank Limited and visiting theweb address of  http://www.prime-bank.com
Prime Bank LimitedPrime Bank Limited
A bank with differenceA bank with difference
1.7 Limitations
There are some specific problems and limitations that were faced by us during preparing thereport. Some of them are:
Previous retail data especially product wise are not recorded in a regular basis.
Confidentiality of data
Time constraint is another very important limitation.

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