Credit Management Policy of Trust Bank Limited

Abstract

Completion of BBA program requires an internship report and this report was originated for this reason. The internship report titled “Credit Management Policy of Trust Bank Limited” was required by the Supervisor Mohammad Amzad Hossain, Assistant Professor- AIS, School of Business & Economics, United International University. The objective of this report is to study & analyze the credit management policy of Trust Bank Limited, also to identify the problems of the process they are facing & recommend some policies that may help to overcome the problems of the bank. This is an orientation report that contains the real life working experience of various tasks in Credit Department of Trust Bank Limited, Dilkusha Corporate Branch. This report is mainly divided into five (05) chapters. The first section of this study is the introduction part that mainly describes about the objectives, methodology, scope and limitations of this study. To properly understand this bank on which the report is prepared on, the second chapter of the study presents some information about profile of Trust Bank Limited. The third chapter is about the framework of credit management policies of Trust Bank. The fourth chapter carries different types of analysis and findings to evaluate the credit management activities and its performance during the recent years. The fifth chapter presents some recommendations which may help to improve the performance of the bank and conclusions which are drawn by analyzing the whole report.

Both primary & secondary sources of data have been used to complete this report. Credit policy of Trust Bank is quite lengthy. In year 2017 the non-performing loan is 3.35% which is less than many other banks. Banks credit deposit ratio is increasing from the following year. That means bank can invest more properly and use more funds to maximize their profit. Capital adequacy ratio is also in quite good position which indicates bank has enough capital and efficiency to serve their banking service. Disbursement of loan and advances are increasing each year. On the basis of findings from the report it can be recommended that their loan sanctioning procedure should be less time consuming and monitoring should be a little stricter.

From my part, I would like to suggest that Trust Bank should follow the standards of sound lending and they may make the credit department even stronger if possible. Among the most important attribute, I hope they always be to the way of honesty, thoroughness and always ready for new ideas and innovative ways to fulfill customer demands.