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INTERNSHIP REPORT ONCredit Analysis of Bangladesh Development Bank Ltd.

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INTERNSHIP REPORT ONCredit Analysis of Bangladesh Development Bank Ltd.

SUPERVISED BY:Md. Shofiqul IslamAssistant Professore Accounting & Information System Jagannath University

PREPARED BY:Nasrin JahanID: 084624, Section: C MBA, 2nd Batch Accounting & Information System Jagannath University

Date of Submission: February 26, 2012.Page | 2

Letter of TransmittalDate- February 26, 2012 To Md. Shofiqul Islam

Assistant ProfessorAccounting & Information System Jagannath University

Sub:

Submission of Internship Report on Credit Analysis of Bangladesh Development Bank Ltd.

Dear Sir, It is my great pleasure to submit you my internship report on Credit Analysis of Bangladesh Development Bank Ltd.. I have tried my best to complete this report properly following the guidelines provided by you and concerned organization. I have confidence that the internship program has increased both of my practical experience and of theoretical knowledge largely. I will be obliged to answer any query that may arise during the evaluation of this report. Therefore, I am eagerly requesting and hope that you would be kind enough to accept my report and oblige thereby.

Sincerely Yours, --------------------------

Nasrin JahanID: 084624, Section: C MBA, 2nd Batch Accounting & Information System Jagannath University

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SUPERVISORS DECLARATIONThis is to certify that the internship Report on Credit Analysis of Bangladesh Development Bank Ltd. has submitted for the award of the degree of Masters of Business Administration (MBA) major in ACCOUNTING & INFORMATION SYSTEM (AIS) from Jagannath University, carried out by Nasrin Jahan of 2nd Batch bearing ID: 084624, under my supervision. To the best of my Knowledge and as per his declaration, any part of this report has not submitted for any degree, diploma or certificate.

He is permitted to submit the Internship Report.

------------------Md. Shofiqul Islam

Assistant ProfessorAccounting & Information System Jagannath University

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STUDENTS DECLARATIONI, Nasrin Jahan, the student of Masters of Business Administration (MBA) 2nd Batch bearing ID: 084624, major in Accounting & Information System (AIS) from Jagannath University, would like to soberly declare here that an internship report on Credit Analysis of Bangladesh Development Bank Ltd. has been authentically prepared by me. While preparing this internship report, I did not breach any copyright act intentionally. I am further declaring that, I did not submit this report anywhere for awarding any degree, diploma or certificate.

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Nasrin JahanID: 084624, Section: C MBA, 2nd Batch Accounting & Information System Jagannath University

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PrefaceInternship program is a sophisticated way for acquiring practical knowledge. The main objectives of the MBA program are to create skilled professional for various sectors. The department of accounting and information system is arranged this program for MBA students. This program is designed to meet the needs of each student who want to develop their career as executives in the field of different business areas as well as teaching and research positions in different institutions. But perfection dose not come only form theoretical knowledge. To reinforce the theoretical knowledge acquired, practical internship of three months in private business organizations, government offices, public sectors, corporation, banks and non-bank financial institution is to expose as in the organizational work situation. After completion this program each student will submit a report on a particular topic on the basis of their observation, experience and analysis. My selected topic is the Analysis of Credit Performance & Operational Aspects of Bangladesh Development of Bank Limited. My honorable supervisor & my favorite teacher Md. Shofiqul Islam also help me to select this topic. This report encompasses five chapters including a section of appendix. I have tried to cover all aspects of BDBL to prepare an effective and useful report. I have enjoyed every step in conducting the study. These Pragmatic knowledge and experience will help me in my practical life. I expect that this report will be accepted as a true picture of Bangladesh Development Bank Ltd. If any lacking prevails in my report, I have no objective to accept it sincerely

ACKNOWLEDGEMENTPage | 6

At first I would like to express my gratitude to almighty Allah for enabling me with the strength and opportunity to complete the report within the schedule time successfully.

I feel proud to express my gratitude from the core of my heart to Department of Accounting and Information System for granting me the permission to take up practical orientation in BDBL. I also feel proud to express my gratitude from the core of my heart to my honorable teacher and supervisor of the internship program, Assistant Professor Md. Shofiqul Islam , And my honorable Chairman Professor Dr. Md. Ali Noor, Department of Accounting & Information System, Jagannath University for his stimulating inspiration, proper guidance, valuable criticism, sagacious advices and whole-hearted supervision to me in preparing this report. I am also grateful to my host supervisor of the internship program Md. Abdul Awal Chowdhury, Deputy General Manager, Training department of Bangladesh Development Bank Ltd. for his cordial help and co-operation during the internship program. I am also grateful to all departmental heads and all other officials of various department of BDBL for their co-operation, spontaneous help and cordial assistance in preparing of the report. Finally, I am grateful to Department of Accounting & information System, Jagannath University, for giving me the opportunity to work outside for attaining practical knowledge. This report suffers from shortcomings but I have tried my level best to bring about all the facts in comprehensive manner. Thanks for all from core of my heart.

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Nasrin JahanID: 084624, Section: C MBA, 2nd Batch Accounting & Information System Jagannath University

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EXECUTIVE SUMMARYIn the backdrop of growing competition among commercial banks, Bangladesh Development Bank Ltd. is one of the leading banks in the local market of our country. Hence, this internship report is aimed at discussing the General Banking Activities & Credit Practices on of Bangladesh Development Bank Ltd. This report is broadly classified in six different parts. In part one introduction, Statement of the research problem, Objective of the study, Methodology of the Study, Definitions of terms used in the study, Literature review and Limitations of the study is discussed. Part Two narrates the company profile including Background of BDBL, Corporate Information, Organization Structure, Name of the Branches, Number of the employee, their mission and vision, Services of the Bank, Principal Activities, SWOT Analysis, Shares incorporated Bangladesh Development Bank Ltd. on September 29, 1999 under the Companies Act 1994 as a Public Company Limited for carrying out all kinds of banking activities. The Company issued Certificate for Commencement of Business on the same day, granted license on October 05, 1999 by Bangladesh Bank under the Banking Companies Act 1991, and started its banking operation on October 24, 1999. Outside regular activities BDBL also takes part in different community services and environmental management programs. Part three forces on the Credit performance. It includes Sanction of term Credit, Sanctions and Disbursement of Working Capital / Commercial Loan and Credit Recovered by the bank. In part four, Definition of loan performance and Sector wise loan performance analysis BDBL describe briefly. In part five, Practical Experiences Gathered through doing Internship in BDBL are discussed. After that, in part six, I discuss about the Findings & Analysis of the organizations performance. . Finally, I proposed some recommendation to improve the customer service which will help the bank to survive in the competitive market.

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TABLE OF CONTENTSParticular Title Page Letter of Transmittal Supervisors Declaration Students Declaration Preface Acknowledgement Executive Summary Page no. ii iii iv V vi vii

viii

CHAPTER-ONE- INTRODUCTION 1.1 Statement of the research problem 02 1.2 Objective of the study 03 1.3 Methodology of the Study 04 1.4 Definitions of terms used in the study 04 1.5 Literature review 06 1.6 Limitations of the study 09 CHAPTER TWO- ORGANIZATIONAL OVERVIEW 2.1 Background of BDBL 10 2.2 Corporate Information 12 2.3. Organization Structure 13 2.4 Name of the Branches 15 2.5 Number of the employee 17 2.6 Vision of the BDBL 17 2.7 Mission of the BDBL 18 2.8 Services of the Bank 18 2.9 Principal Activities 20 2.10 SWOT Analysis 21 CHAPTER THREE- MAIN ACTIVITIES OF THE INTERNSHIP REPORT 3.1 Sanction of term Credit 24 3.2 Credit Application Received 24 3.3 Disbursement of Term Credit 3.4 Sanctions and Disbursement of Working Capital 3.5 Others investments 3.6 Projects implementation 3.7 Credit portfolio 3.8 Credit Recovered 3.9 Credit Sanction Form 24 25 25 25 26 27 28 Page | 9

CHAPTER FOUR- ANALYSIS OF LOAN PERFORMANCE 4.1 Definition of loan performance 30 4.2 Sector wise loan performance analysis BDBL 30 4.2.1 Food and allied products 30 4.2.2 Jute and allied fiber 31 4.2.3 Cotton and Woolen Products 32 4.2.4 Paper and Paper products 33 4.2.5 Forest and Wood Products 34 4.2.6 Transportation 35 4.2.7 Miscellaneous 35 4.2.8 Classified and unclassified loan at glance 37 4.3.1 Total Findings in brief 37 CHAPTER FI

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