An Evaluation of the Credit Management Policy of City Bank Limited

Abstract

City Bank Limited is a commercial bank and its play a very important role in our country. The bank gives all types of backup of trade, commerce, industry and overall business of our country. With the active support and guidance from the Government, the bank continuously shows an improved performance. Making loans is the principal economic function of banks. City Bank Ltd. is one of the market leaders in lending credit over the last few years. In my report, I mainly try to find credit policy, credit approval process, credit disbursement, and risk grading and credit recovery policy of City Bank Limited. My report is divided into five chapters. In the first chapter, discussed about introduction and other formalities which had to maintain make report a worthy one. The second chapter is concentrated on the profile, services and core performances of City Bank Limited. The third chapter contain about the credit management procedure. Here, summarized Bangladesh Bank guidelines and credit program, credit approval process of City Bank Limited. . In the fourth chapter is concentrated on credit risk assessment of City Bank Limited. The fifth chapter contains findings, recommendations and conclusion of this report and last part contain references and appendix. This study finds that Credit management needs to be a robust process that enables banks to proactively manage loan portfolios in order to minimize losses and earn an acceptable level of return for shareholders.