Internship Presentation On

Credit Management of Standard Bank Limited: A

Study on Kumira Branch, Chittagong

Prepared By:
Afshana Islam
Metric ID: EB163213
Department of Economics & Banking

Department of Economics & Banking.

International Islamic University Chittagong.
 Objective of the Study
Main Objective:

 To know an overview of Standard Bank Limited.

 To get the concept of credit and credit management of SBL.

 To examine the Credit management Performances of the SBL.

 To find out some problems related to credit management and

put some recommendation to overcome the problems.
 Methodology
To attain the objectives of the study only secondary data is used.

 Annual Report of SBL.

 Monthly transaction record of the SBL, Kumira Branch.
 Banks financial statement of the SBL, Kumira Branch.
 Official Website of SBL.

The collected data and information have been tabulated,

processed, analyzed and graphically presented in order to make
the study more informative, useful and purposeful.
 Analysis of Credit
Management of Kumira
Branch
Trend of Total Deposit for last 5 years in Kumira
Branch

Amount in Lac BDT

Total Deposit
700

600 573.3

500 467.5
432.8
397.2
400 378.6

300

200

100

0
2015 2016 2017 2018 2019
Trend of Total Loan and Advance
Total Loan and Advance (in Lac)

207.5

183.7

151.4

114.6
97.2

2015 2016 2017 2018 2019

 Credit-deposit ratio
Credit-Deposit ratio
45.00%
42.44%

40.00%
36.19%
35.00%
32.39%

30.00% 28.85%

25.67%
25.00%

20.00%

15.00%

10.00%

5.00%

0.00%
2015 2016 2017 2018 2019
Product wise performance-
Cash credit
Amount in Lac

Cash Credit
70

60.18
60
55.11

50

40.88
40
32.09
30
23.33
20

10

0
2015 2016 2017 2018 2019
Term loan of SBL in Kumira branch
Amount in Lac

Term loan
35 33.07

30 29.05

25 24.22

20
16.52 17.19

15

10

0
2015 2016 2017 2018 2019
SME loan of SBL in Kumira branch
Amount in Lac

SME
30
26.98

25

20
18.37
16.65
14.9
15
11.66

10

0
2015 2016 2017 2018 2019
Miscellaneous loan of SBL in Kumira branch

Amount in Lac

Miscellaneous loan
100

90 93.38

80
78.99
70
69.64
60

50
50.42
40 45.68

30

20

10

0
2015 2016 2017 2018 2019
Income from credit of SBL in Kumira
branch
Amount in Lac

Interest income

25 23

20
17
16 16

15 13

10

0
2015 2016 2017 2018 2019
 Findings
• The amount of total deposit of SBL- Kumira branch was in
fluctuating trend over the years.
• The amount of total loan and advances was in increasing trend
over the years.
• Credit-deposit ratio of the branch was fluctuating trend over the
years. In the year 20185 is was maximum, which was 42.44% and
last year it has decrease by 36.19%.
• The amount of cash credit has gradually increased. In the year of
2016 growth rate of cash credit was maximum, which was 38%.
• The term loan growth rates were seen negative in the year of 2019.
• The branch large amount of credit has disbursement in the
miscellaneous sector. And the growth rate of this sector was
gradually increased.
• Income from credit of the branch was satisfactory level.
 Recommendations
• The branch should try to maintain a steady position in case of its deposit
collection.
• Loan disbursement position of the branch has well. They should try to more
careful during making new loan to reducing default loan.
• The branch should try to keep its present trend in case of its credit deposit
ratio.
• For Cash Credit, loan procedure time should be decreased so that customers
can get loan easily and quickly.
• The branch should diversify their loan product to increase their sell.
• For SOD (Overdrafts) the bank should promote customers to do FDR, DPS so
that customers take loan against FDR and DPS. It is fully secured for banks
and customers give less interest from other loan.
• Interest income of the branch has satisfactory level. They should try to
increase their business as a result they can make more interest income.
 Conclusion
The banking industry has become an important business tool. There is no
doubt that as a developing country, we need to strengthen the banking
industry. Today, banks are doing almost the same thing, but in different
ways. But all of them intend to work hard for the welfare of the country.
Standard Bank Limited is no different from them.
During the internship, I discovered that SBL is a bank with great
potential. The bank has carried out a large number of important banking
and non-banking businesses for private and government. SBL is
committed to developing the country's socio-economic conditions.
However, this experience helps to understand the job market. I know that
this internship program will give me an opportunity to improve myself.
Therefore, I have made my best efforts to achieve the goals of the
program.
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