Letter of Transmittal

To
Ashik-Uz-Zaman,
Lecturer
Department of Accounting &Information Systems,
Bangabandhu Sheikh Mujibur Rahman Science & Technology University,
Gopalganj- 8100
Subject: Submission of the report on “‘CC’ Loan Evaluation and Overall performance of NBL.”
Dear Sir;
With due respect, I beg to inform you that, I am a student of Department of Accounting & Information
Systems, at Bangabandhu Sheikh Mujibur Rahman Science & Technology University. The Report is
prepared on “‘CC’ Loan Evaluation and Overall performance of National Bank Limited. I have
given my best effort to prepare the report with relevant information that I have collected from National
Bank Ltd. and from others sources during my internship program from 01October, 2019 to
31December, 2019.

I pray and hope that, the mistake of the report may have, will be kindly excused. Lastly, I beg your
kind consideration for evaluating this report.

Thanking you very much indeed

Sincerely Yours,

---------------------
Ayesha Khanam
ID: 20150112028
Year: 4th, Semester: 2nd
Session: 2015-16
Department of Accounting & Information Systems,
Bangabandhu Sheikh Mujibur Rahman Science & Technology University,
Gopalganj-8100
Student’s Declaration

I am Ayesha Khanam, hereby declare that the presented report of my internship titled ‘CC’ Loan
Evaluation and Overall performance of National Bank Limited. It is uniquely prepared by me
internee at National Bank Limited, Gopalganj Branch.

I confirm that, the report is only prepared for my academic requirement not for otherwise purpose. It
might be with the interest of opposite party of the corporation.

---------------------
Ayesha Khanam

ID: 20150112028
Year: 4th, Semester: 2nd
Session: 2015-16
Department of Accounting &Information Systems,
Bangabandhu Sheikh Mujibur Rahman Science & Technology University
Gopalganj-8100
Supervisor’s Certificate

It is my pleasure to certify that, Ayesha Khanam, a student of Department of Accounting &Information

Systems, Bangabandhu Sheikh Mujibur Rahman Science & Technology University, has been
completed the Internship Program at National Bank Limited on “‘CC’ Loan Evaluation and Overall
performance of National Bank Limited’’ Successfully with acceptable performance under my
supervision from October 2019 to December 2019.

I wish him success in his life.

---------------------
Ashik-Uz-Zaman
Lecturer
Department of Accounting &Information Systems,
Bangabandhu Sheikh Mujibur Rahman Science & Technology University,
Gopalganj-8100
Certificate of Approval

This is to certify that Ayesha Khanam, ID. 20150112028, has prepared her internship report titled
“‘CC’ Loan Evaluation and Overall performance of National Bank Limited” in Gopalganj
Branch, under my supervision and guidance. I do hereby approve the style and contents of this
internship report. This is for the partial fulfillment of her four years BBA program, major in
Accounting & Information Systems from Bangabandhu Sheikh Mujibur Rahman Science &
Technology University.

I wish her every success in life.

----------------------
Ashik-Uz-Zaman
Lecturer
Department of Accounting &Information Systems,
Bangabandhu Sheikh Mujibur Rahman Science & Technology University,
Gopalganj-8100
Acknowledgement

First I would like to express my gratitude to almighty God to give me the strength to complete the
report within the specific time.

I am also grateful to my course instructor & supervisor Ashik-Uz-Zaman, Lecturer, Department of

Accounting &Information Systems, Bangabandhu Sheikh Mujibur Rahman Science & Technology
University for giving me valuable advice and suggestions to complete the report in an appropriate
manner.

My sincere gratitude goes to all employees of National Bank Ltd. Gopalganj Branch for their
cordial attitude and helping hand guides me in all situations during my tenure in the bank. My
special thanks go to Md. Abdul Hannan, Branch Manager. I am also grateful to Md. Ala Uddin &
Imtiaz Hossain, First Executive Officers (Credit Department). I would also like to thank Md.
Dedarul Islam & Md. Hachibur Rahman, Junior Officers (General Department) of NBL Gopalganj
Branch for providing me the necessary information that I need to prepare my report.

This report would not be possible without co-operation of all the officers of National Bank Ltd. Lake
Circus branch. So my heartiest appreciation goes to those officers. Finally I would like to thank all the
other who’s strong support make me able to complete this report.

---------------------------
(Ayesha Khanam)
Executive Summary

Banks are most active financial intermediary in today’s world. As a financial institution bank
mainly operate to communicate among persons and effectively works as safeguard among them in
this age globalization. Bank faces many of risk like credit risk, reputation risk, liquidity risk, and
market risk etc. credit risk is one of the major risks of them. To manage the risk they take various
kinds of steps.
This report is based on ‘Cash Credit’ Loan Evaluation and Overall Performance is given on the
National Bank Limited (Gopalganj Branch). Here both primary and secondary sources of data are
used. Personal observation and consultation with the concerned personnel is key sources of data.
Risk is inherent in all aspects of a commercial operation; however for banks and financial
institutions, credit risk is an essential factor that needs to be managed. Credit risk is one of the
major risks faced by the Bank. This can be described as potential loss arising from the failure of a
counter party to perform according to contractual arrangement with the Bank. The failure may arise
due to unwillingness of the counter party or decline in economic condition etc.
This study mainly tries to find credit policy, credit approval process also find out credit
disbursement credit allocation.
This study also finds that credit risk management needs to be a robust process that enables banks to
proactively manage loan portfolios in order to minimize losses and earn an acceptable level of
return for shareholders.