Consumer Credit Scheme of Pubali Bank Limited

Abstract

The report is based on the consumer credit scheme of Pubali bank Limited. Pubali Bank has started its journey in East Pakistan as Eastern Mercantile bank Limited in the year 1959. After that bank companies Act in 1913 that it denationalized, in 11 August 1983 as a commercial private bank and new name as Pubali Bank Limited. At the time of running practical orientation with PBL Dilkhusa Main Branch. I worked several placed in Credit, Loan & advance Foreign Exchange & General Banking.

After finished internship program one student can complete his BBA. Only classroom discussion cannot make a student perfect in through this program. A report has to be built for the university and organization requirement. The topic of the report is consumer credit scheme of Pubali . The main purpose of the report becomes very clear from the topic of thr report. The report discuss about consumer loan procedure, how to collect and repay loan collection, interest rate of PBL and different bank.

It take different step of credit facilities to its customers like Continuous loans, Short time finance, Long time Finance, Consumer or retail loans, Special SME loans, Special Agri Credit Program, Lease finance, Loan under Re-Finance Scheme, From that consumer loan has many categories like Personal loan, Pubali star,Car loan, Flat purchase loan, HouseholdDurable Loan, Medical Equipmentloan, Teacher’s Loan scheme, Educational loan ect. There have different type of SME loan those are, Pubali Suborno, Pubali Sujon, Pubali Kormouddug etc . The report contains six chapters, In chapter one consists of introduction, objective, scope of the report and limitation. The main objective of the report are identifying the collection procedure and activities and overall last financial years. In chapter two described on methodology of the study. It contains data design, sample design and Analytical tools. In chapter three focuses on Overview of the Pubali bank, it contains profile of the bank, history, vision, mission, products and service of PBL. SOWT Analysis and Five year highlights performance. In chapter four describe on main part of consumer credit scheme of pubali bank, many retail loan product are given there. In chapter five describe on finding & Analysis of consumer credit scheme of PBL. At last chapter six contains on recommendation and suggestions for future strategic actions of the Pubali bank.