general banking, credit management and foreign exchange operations of national bank limited

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Welcome To My

Presentation

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Topic

General Banking, Credit Management and Foreign Exchange Operations of National Bank Limited

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Submitted To

Prof. M. Mokarrom HossainDepartment of Business AdministrationFaculty of Business & EconomicsDaffodil International University (DIU)

Submitted By

Md. Ariful Islam01723 97 04 97Department of Business AdministrationFaculty of Business & EconomicsDaffodil International University (DIU)

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Objective

Main objective is to get idea about general banking, to analyze the Credit Risk Management policy and to identify the foreign exchange operation of Bangladesh as well as National Bank Limited and make an elaborate industry analysis on the banking sector activity of Bangladesh.

Broad Objective:

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Objective

To get an idea about General Banking Activities of National Bank Limited.

Specific Objectives:

To analyse the Credit Management policy and procedure of NBL.

To get idea about the process of credit management practices.

To evaluate the foreign exchange operations of NBL.

To identify the performance of foreign remittance department of NBL.

To suggest some remedial measures for the betterment and smooth operations of the bank.

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Limitations

Limitation of time.

Limitation of collecting information.

Limitation of group discussion.

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General Banking Activities

Account Opening.

Cheque Clearing.

Issuance TT, DD, PO.

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Deposit Mix in 2011

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Credit Management of NBL

Loan General

House Building Loan (Staff)

CC Loan.

P. A. D. (Cash)

Advance Against Credit Card (Local)

Retail Banking (RTL)

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Loans & Advance of last five years

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Foreign Exchange Operation of NBL

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Process of Letter of Credit

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Foreign Remittance of NBL

Foreign Remittence

0

10000

20000

30000

40000

50000

60000

2007 2008 2009 2010 2011

Year

TK

. (i

n m

illi

on

)

Year 2007 2008 2009 2010 2011

TK. in Million 27560.8 39877.8 44381.5 49145.3 54469.4

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Major FindingsThere are few diversified packages to attract its customer.

Internet service is not satisfactory as the speed slows down.

The cash and deposit system is also traditional.

Yet in many branched, the automated clearing system is not used.

The loans and advance department takes a long time to process a loan because the process of sanctioning loan is done manually.

A significant portion of income of NBL is generating from foreign exchange operation.

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Major Findings

Only 61 branches doing import, if NBL take AD license for all the branches then it will be more profitable organization.

All calculation and vouchers are made manually in foreign exchange department..

NBL has lack of work force in Foreign Exchange department.

Modern technology is not used to maintain documentation in this bank, yet they are using register based documents for opening L/C, which is time consuming.

A Here is no recording system of highly favorable and unfavorable employee’s action.

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Recommendations

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Conclusions

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Thank YOU

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