Term Paper

On
“Loan Management of AB Bank Limited”

Submitted To:
Tayab Hossain Sarker
Assistant Professor
Department of Accounting
Govt. Shahid Suhrawardy College, Dhaka.

Submitted By:
Prodip Mandal
B.B.A. Hon’s (4th Year)
Class Roll No: 9113
Reg. No: 12132207703
Session: 2012-2013
Department of Accounting
Govt. Shahid Suhrawardy College, Dhaka.

Affiliated University of Dhaka

Date of Submission: 7th March, 2018
 Letter of transmittal

Date: 7th March, 2018

Tayab Hossain Sarker

Assistant Professor
Department of Accounting
Govt. Shahid Suhrawardy College, Dhaka.

Subject :Submission of term paper

Dear Sir,
This is to inform you I have completed my term paper on the topic I completed my term
paper attachment period with “Loan Management of AB Bank Limited” I have collected
information from all available sources in the most realistic and professional way.

In writing this report, I have followed the instructions of the AB Bank Limited while at the
same time consulting my college supervisor. I have endeavored to the utmost potential and
limited constraints to term paper as reflective as possible. I earnestly hope that this term paper
will meet your specification would be delighted furnish you with any clarification if required.

Thanks and regards

Yours truly
_______________
Prodip Mandal
B.B.A. Hon’s (4th Year)
Class Roll No: 9113
Reg. No: 12132207703
Session: 2012-2013
Department of Accounting
Govt. Shahid Suhrawardy College, Dhaka.
 Student’s Declaration
This is to certify that Prodip Mandal student of B.B.A (Hon’s) 4th Year, Govt. Shahid
Suhrawardy College, Dhaka., successfully completed the term paper “Loan Management of
AB Bank Limited” Is a satisfactory record prepared by Prodip Mandal, Class Roll No: 9113
in partial fulfillment of requirement for (BBA Hon’s) 4th Year in Accounting under
Universality of Dhaka.

The term paper has been carried out under may guidance and is a record of work carried out
successfully.

_______________
Prodip Mandal
B.B.A. Hon’s (4th Year)
Class Roll No: 9113
Reg. No: 12132207703
Session: 2012-2013
Department of Accounting
Govt. Shahid Suhrawardy College, Dhaka.
 Supervisor’s Declaration

I here declare that the concerned term paper entitled “Loan Management of AB Bank
Limited” Is an original work by Prodip Mandal, a student of BBA (Hon’) 4th Year.
Department of Accounting, Govt. Shahid Suhrawardy College, Dhaka. Has completed her
term paper under my supervision and submitted for the partial fulfillment of the requirement
of the degree of BBA (Hon’s) 4th year at Govt. Shaheed Suhrawardi College.

______________________
Tayab Hossain Sarker
Assistant Professor
Department of Accounting
Govt. Shaheed Suhrawardi College
 Acknowledgement

All the information’s for this term paper was collected from different sources. The study is all
about to experience multinational company’s marketing.

Firstly, we are thanking to our honorable course instructor Tayab Hossain Sarker, Assistant
Professor, Department of Accounting, Govt. Shahid Suhrawardy College, Dhaka. For
giving us such an opportunity to have some experiences from corporate life. Despite of her
busy schedule, she was always there to guide us whenever we needed help. Her keen insight,
advice and suggestions have helped us improve our term paper.

We are also thankful to them who have involuntarily co-operated us to have experiences.

Thanking to those websites that helped us to make these report and without those we would
be unable to fulfill the task.
 Executive Summary

A bank is an institution, which deals with money or monetary matters. It is a financial

institution that accepts deposits and channels those deposits into lending activities. Banks are
important players in financial markets and offer services such as investment funds and loans.
Banks borrow money by accepting funds deposited on current accounts, by accepting term
deposits, and issuing debt securities such as banknotes and bonds. Banks lend money by
making advances to customers and making installment loans. A bank generates a profit from
the differential between the level of interest it pays for deposits, and the level of interest it
charges in its lending activities. now a days to generate more profit banks merge with
investment and insurance houses and use risk-based pricing. Lending activities is still provide
the bulk of a bank's income. Banks' activities can be divided into retail banking (dealing
directly with individuals and small businesses), business banking (providing services to mid-
market business), corporate banking (directed at large business entities), and investment
banking (relating to activities on the financial markets). Commercial bank refer to a bank or a
division of a bank that mostly deals with deposits and loans for corporations or large
businesses, as opposed to normal individual members of the public (retail banking).
 Table of Contents
Title Page no
Chapter-01: Introduction 01
1.1. Introduction: 01
1.2. Scope of the Study 01
1.3. Objective of The study: 02
1.4. Methodology of the Study; 02
1.5. Rationale of the study: 03
1.6. Limitation of the Study: 03
Chapter-02: Conceptual Issues
2.1. Bank: 04
2.2. An Overview of AB Bank Limited 05
2.3 Hierarchy of AB Bank LTD: 08
2.4 Organogram of ABBL, Sadarghat Branch. 09
2.5 Loans and Advances 09
Chapter-03: Methodology of the Study 11
3.1 Performance over the years: 11
3.2 Data Collection 12
3.3 Data Analysis 13
3.4 Sampling Method: 13
3.5 ABBL at a glance: 14
Chapter Four: Findings of the Study 15
4.1. Loans and Advance: 15
4.2 Different Advances Offered by ABBL 15
4.3 Process of handling loans: 16
4.4. Types of Loan: 16
4.5 Continuous Loan: 17
4.6 Cash credit (CC) 17
4.7 Project Loan: 26
Chapter Five: Recommendation and Conclusions 30
5.1 Recommendation: 30
5.2 Conclusion 32
References 33