|City Bank Limited (CBL) is one of the oldest reputed financial institutions in Bangladesh established in the year 1983. Since the very inception of the commercial banking industry in Bangladesh, it has been dominating and contributing to the country’s economy.
The topic of my internship report is “Credit Management of The City Bank Limited”, which has attained the latest highlighted feature in the banking industry in Bangladesh. Due to the increased competition among both the commercial and the Gov. Banks in Bangladesh, this Credit management issues has gained extensive attention. The main objective of this report is to have a complete knowledge of the activities performed in Credit Management of City Bank Limited.
This report initially depicts the overall financial indicators of The City Bank Limited, and how they are doing in this competitive commercial banking industry in Bangladesh. Their financial strength, management, credit and collection policies and their crisis management stands are described in this report. This report have described what measures City Bank Ltd. takes to this on-going issue of credit management. This report comprises with the Credit facilities that CBL offers to its customers.
This report have tried to discuss CBL’s credit facilities under retail, corporate and SME units. This report mainly focused on the retail loan of CBL due to limitation of the study and discussed credit facilities that retail department provide like Home Loan, Auto Loan, Personal Loan, and Secured Loan. Here this report show the retail loan performance, total outstanding loan amount, total Nonperforming Loan (NPL) amount and segment-wise loan performance of CBL retail department. Then, as generally most customers contain a minimum amount of credit risk, I have tried to cover how CBL manages this credit management issue of the customers.