loan & foreign exc. [interns presentation] city bank

8/3/2019 Loan & Foreign Exc. [Interns Presentation] City Bank

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Loans and Foreign

Exchange Activities of

The City Bank Ltd.

Internship Report Presentation


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CEO

Head-Marketing Head- Corporate Head -GB

Branch

RM

Organizational Structure


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Learning partLoan Activities of The City Bank Ltd.

Types of Loans and Advances in CBL

Continuous Loan

Demand Loan

Term Loan

Agricultural & micro credit


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Overdrafts

SOD against Financial Obligations (FO)

SOD against Work Order (WO)Cash Credit

Cash Credit (Pledge)

Cash Credit (Hypothecation)

Continuous Loan


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LIM (Loan against Imported Merchandise)

LTR (Loan against Trust Receipt)

PCC (Packing Cash Credit)

ECC (Export Cash Credit)

Cash Incentive

EDF (Export Development Fund)

Demand Loan


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Short Term Industrial Loan, Mid Term Industrial Loan,and Long Term Industrial Loan

Transport Loan

House Building Loan (Commercial)

Loan against Fixed Deposit Receipt/ Eligible Financial Instrument

Term Loan


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Foreign Exchange Activities

equirements for doing export import business:

Import registration certificate. Export registration certificate. An account with a bank. Tax identification number certificate. VAT Membership certificate from the chamber of commerce.Business association and other required documents.


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Operations of a DocumentaryCredit

Step- 1

Customers written request of issuance of letter of credit.

Step-2Submission of necessary papers & documents along

with standard and approved L/C application form

duly signatory.

tep-3

crutiny of papers 7 documents submitter by the importer following documents be

submitted:

Indent/ Performa invoice

Insurance cover note with money receipt

Tax identification number (TIN) certificate


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Step-4

Preparation of L/C proposal. Proposal to be placed to the competent authority for approval.Step-5

Approval of L/C proposal by the competent authority and terms & conditions there to.

Step-6

Allotment of L/C number.

Step-7Realization of margin and commission as per approval & schedule of charges.


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tep -8

Transmission of L/C. Before transmission following things to be checked:

Whether the item applied for import is duly coded.

Price and demand of the importable item in the wholesale market.

Whether the queried price is competitive.

Confidential report/ opinion about the importer.

Germaneness of IRC.

Full descriptions of goods, quantity, unit price, total value inco-terms, derailed terms & conditions to be

checked.

Validity date of proforma Invoice/ indent to be checked.

Indenters registration number, genuineness of indenter.


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Step-9

Advising of L/C.

Step -10

Confirming of L/C.

Step -11

Amendment of L/C.


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Conclusion

Commercial Banks play a vital role in the overall economic development as well socio-

economic development of any country. It also has a great impact on the economic system

of any country. It helps to make a strong relationship among the different units of theeconomic system.

As a first private sector Bank in our country, The City Bank Ltd. Plays a vital role in our

national economy, including employment generation, industrial development,

development in foreign exchange business, capital formation, implementation of monetary

policy etc.

In this report I tried my level best to focus all the functional are of CBL. The areas are deposit

collection, loans and advances and foreign exchange business.


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Ashis BanikPresented by

Thank you

041 11 347

BBA

Daffodil International University

loan & foreign exc. [interns presentation] city bank

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