Credit Management of Private Commercial Bank: A Case Study on Dhaka Bank Ltd.-Karwan Bazar Branch

Abstract

My internship report is based on Credit management of private commercial bank in case of Dhaka Bank Limited – Karwan Bazar Branch as required by the Supervisor Mohammad Amzad Hossain, Assistant Professor of AIS, School of business and Economics at United International University (UIU). The objective of the study to analyze the credit system of private commercial bank in case of Dhaka Bank Limited, Karwan Bazar Branch. This research is based on both primary and secondary data. This report is divided into five chapter. The first chapter of this study is explained to the introduction, History, Mission & Vision of the Dhaka Bank, values of this bank, some strategies objective, service and product, operational network organogram, and some department they are HR, Finance and account Division, Credit division, Audit and Risk Management division, Operation Division, Computer and information technology division, trade operation division, and personal banking division. The study of second chapter is explained about my job responsibilities and observation, And finally some of my recommendation. The study of third chapter is explained about report objective, types of data, sources of data, data collection methods, instruments and tools analysis, questionnaire design, limitation, principle of credit, different type of credit facilities, retail loan and personal loan, The study of the fourth chapter is explained about SWOT analysis, financial performance, credit related financial data analysis. findings of the study, employee job satisfaction finding etc. And finally, the fifth chapter is about my recommendation and conclusion. The main finding of this study is as follow: Dhaka Bank Limited credit deposit ratio is increasing from previous year to year. In this scenario we can say Dhaka Bank can invest properly and utilize more fund to earn maximum profit. Dhaka Bank limited has also good credit history. Their loan size is increasing year by year. Any bank success depends on credit department performance. They should take necessary rule for decrease bad loans amount. I have also found out another important issue. It is advertising. They are not attentive to do more advertising. Because today a significant number of people follow social media, newspaper, tv. Some Recommendation of the study are they should be more attention to give advertising process. This bank giving a lot of facility to the customer, but they are totally unknown from this. I have another important recommendation is they should maintain quick loan sanctioning process. And, they should maintain easy written lending guidelines.