Asset, Liabilities and Credit Management of NBFIs in Bangladesh

Abstract

The non-bank financial institutions (NBFIs) are emergent sector of the financial system in Bangladesh. The NBFIs have been contributing toward increasing both the quality and quantity of financial services and mitigating the gaps of existing financial crisis to meet the growing needs of different types of investment in the country. Major business of all NBFIs are keeping deposit and providing loans. In terms of keeping deposits organization has specific policy and these policies have both positive and negative impact. In terms of loan facilities to the business along with various types of product as loans to individuals and organizations therefore risk is associated with every product they are offering. To minimize this risk every institution has its own risk management policies. A number of actions are taken so that risk associated to their investment can be minimized. This report is emphasizing on asset management, liabilities management and credit management in NBFIs in Bangladesh. In this regard DBH Finance Limited has been taken as the sample organization. Its services, rules and regulation, corporate governance is also taken into consideration. Non-banking financial company is a profit-making organization whose main target is to giving customer loan and earn profit for a long time and earn credit from deposit products. In my internship I mainly focus on legal and investor relationship department. Delta Brac Housing Finance has many wings in different sectors. It has very enriched private loan schemes with special profit-earning sectors. This organization will provide loan to the customers and enrich the capital market. When people try to experience the home loan and different types of deposit scheme then one name is always in their mind which is Delta Brac Housing Finance Corporation Limited. In private non banking financial sector Delta Brac Housing Finance Corporation is a big name. People can trust on Delta Brac Housing Finance Corporation Limited. For the last few years NBFI provides more economic flexibility into the economy.