Credit Policy and Practice of Private Commercial Bank: A Case Study on Mutual Trust Bank

Abstract

This report represents the working experience of an intern on “Credit Policy and Practice of Private Commercial Bank”: A case study on in Mutual Trust Bank”. Working as an intern for three months in Mutual Trust Bank and gather practical knowledge which helps to write this report. In this report, discuss credit policy. Based on the experience this study offers some suggestions as a recommendation to beat those limitations and obstacles. Banks take deposits from the general public and lend them to other businesses or individuals as loans. The bank pays depositors interest and collects interest from borrowers. Before approving a loan, Mutual Trust Bank assesses all risk factors. When everything is said and done, after the processes have been completed, the loan will be disbursed by the appropriate officer. It is after the loan has been disbursed that it is the bank's responsibility to reclaim the loan that has been disbursed. This research is based on real-world data. MTB employs a working technique. MTB's overall credit management has been examined. Convey a clear picture of the MTB policy and how it is being implemented by various parties’ procedure and mechanism the goal of this research is to examine the credit policy, rules, and regulations. Credit management regulation and product performance evaluation in order to identify the most serious issues with credit management. The first section of this report is an introductory section that has been created to ensure that the rest of the report runs smoothly. A brief description of the host organization of my internship, Mutual Trust Bank Limited, is given in the second section. During the theoretical parts of this study make up the third section. The fourth portion consists of some Mutual Trust Bank provides information about credit, its utility, and its credit management policy. The analysis, findings, recommendations, and conclusion make up the remainder of the section.