Proposal for the student Internship Affiliation ReportSemester: Summer 2014-2015

Title of the Report : “Credit Management  Of  Mutual Trust Bank Limited –

Kakrail Branch , Dhaka”

Rationale for Selecting Report Any academic course of the study has a great value when it has practical application in the real life. Only a lot of theoretical knowledge will be little important unless it is application in the practical life. So we need proper application of our knowledge to get some benefit from our theoretical knowledge to make it more fruitful when we engage ourselves in such field to make proper use of our theoretical knowledge. Such an application is made possible through internship. Selecting a topic for a report is the first thing to do and sometimes it becomes hard to choose a topic for the report. My internship report title is “ Credit Management   Of   Mutual Trust Bank Limited –Kakrail Branch , Dhaka “ As I’m doing my Internship at Mutual Trust Bank Ltd. there I have been transferred from different department to department. First I was told to work in General Banking department, and then after few weeks I was been told to work on credit department with a experienced senior officer and from that moment to till now I am working in that department. The senior officer that I work with, he is very helpful and teach me about different issues regarding credit management. My work is more about learning things from the senior officer that how they deal with different situations on credit management where my practical work is less. As I mentioned earlier that the senior officer are very helpful and they are helping me doing my report. So, these are the few reasons which helped me to choose the topic.

Background of the company

Mutual Trust Bank Limited (MTBL) is the growing private sector bank in Bangladesh offering full range of Personal, Corporate, International Trade, Foreign Exchange, Lease Finance and Capital Market Services. Mutual Trust Bank Limited is the preferred choice in banking for friendly and personalized services, cutting edge technology, tailored solutions for business needs, global reach in trade and commerce and high yield on investments, assuring Excellence in Banking Services. The Company was incorporated on September 29, 1999 under the Companies Act 1994 as a public company limited by shares for carrying out all kinds of banking activities with Authorized Capital of Tk. 38,00,000,000 divided into 38,000,000 ordinary shares of Tk.100 each. The Company (Bank) operates through its Head Office at Dhaka and 103 branches and many 5 SME Service Centers . The Company/ Bank carry out international business through a Global Network of Foreign Correspondent Banks . Mutual trust bank current products and services are small business loan( MTB Krishi, MTB Mousumi, MTB Digoon, MTB Bhaggobati, MTB Revolving Loan, MTB Green Energy Loan, Microfinance Scheme), MTB Consumer Loan

(MTB Life Line, Home Loan Scheme, Home Repair Loan, Home loan, Auto Loan, Doctor’s Loan). , Corporate Banking, Institutional Banking, Off-Shore Banking, Investment Banking, Merchant Banking, MTM Deposit Scheme, E-Banking, etc. For the first time MTBL history , MTBL has received a global award , another milestone for the bank , ‘ The Global Globe Tiger Summit Awards 2015 For Excellence & Leadership in Branding &Marketing”

Objectives of the Study

General Objective

The main objective of the study is to evaluate Credit Management of the Mutual Trust Bank Limited (MTBL).

Specific Objectives

1. To identify the Lending procedures maintained by MTBL. 2. To know the terms and conditions and of credit management of MTBL.

3. To know the various interest rates for different categories of loan and what kinds of securities

taken against different size of advances.

4. To analyze the work process and monitoring system and credit risk grading system of credit

department.

5. To identify some problems and provide suggestions related to Credit Management of MTBL

SUBMITTED BY: AHMED ,WOAKIL ID NO. : 12-20756-1

PROGRAM : BBA

MAJOR : ACCOUNTING & FINANCE

DATE : 18th June 2015

ACTION BY THE SUPERVISOR:

APPROVED : ………………………………..

DISAPPROVED: ………………………………..

APPROVED WITH REVISION: …………………………..