CHAPTER - 1
1 . one particular Background of the Report
The report is usually an attempt to provide an orientation to real world scenario wherein one can notice and measure the uses and applicability of theoretical principles that were trained in BBA program. As being a partial satisfaction of Program, every scholar has to experience an internships program. The writer of the examine is employed with NCC Lender Limited; a well reputed personal sector commercial bank have been assigned to get ready a project paper on " Credit Risikomanagement of NCC Bank LimitedвЂќ. Eventually a study with proper analysis and possible alternatives of the business is hereby submitted to Rony Kumar Datta, Lecturer, Department of Business Supervision, Shanto-Mariam College or university of Creative Technology.
1 ) 2 Goals of the Study
To examine the general credit risikomanagement of NCC Bank Limited- a commercial Traditional bank of Bangladesh.
- To analyze various credit rating policies of NCC Financial institution Limited.
-- To examine the credit evaluation procedures accompanied by NCC Traditional bank Limited. -- To study the control systems followed by NCC for financing. - To observe the overall asset quality of NCC.
-- To advise some ideas for further development of NCC
1 . 3 Technique
Sources of data:
Both Main and Extra data have been used in organizing this record. The details of the sources of data are as follows:
1 . several. 1 Primary Sources:
Practical work coverage with NCC Bank Limited
Face to face dialogue / Interview with the Lender Officials Observations
1 . a few. 2 Supplementary Sources:
вЂў Annual Record of NCC Bank Limited
вЂў Credit rating Operational Manual
вЂў Training materials with the Bank
вЂў Periodicals printed by Bangladesh Bank
вЂў Various books, journals, content etc .
вЂў Web Sites.
Risk is the chance that an investment's actual return will be different than expected. This consists of the possibility of losing some or perhaps all of the original investment. Most commonly it is measured by simply calculating the normal deviation from the historical comes back or typical returns of the specific investment. A fundamental idea in fund is the marriage between risk and returning. The greater the quantity of risk that an investor is willing to carry out, the greater the return. The reason for this is that investors need to be compensated to take on extra risk. Every credit extension must comply with the requirements of Bank's Comunicacion and Article of Association, Financial Company's Work, Bangladesh Bank's instructions, various other rules and regulation while amended from time to time. Loans and advances shall normally become financed coming from customer's deposit and not away of non permanent funds or perhaps borrowing from the other banks. The financial institution shall give suitable credit services to get the markets by which it operates. It should be offered to those consumers who can make use of00 them. The conduct and administration with the loan portfolio should add within defined risk limit for achievements of lucrative growth and superior returning on financial institution capital. Interest rate of various loaning categories is determined by the level of risk and types of protection offered. By simply analyzing the whole risk, a few indexes took to analyze the particular credit risk of NCC Bank Limited besides other risks e. g. market risk, operational risk etc . The credit risk has been taken into consideration for analyzing because of the fact that it must be our related matter. For your purpose first of all the put in of the branch is examine. Then calculations of the cost of deposit is necessary, which helps you to set the lending level. Thus types of the full set of data happen to be taken to assess the total circumstance of risk management of NCC Bank Limited. Sample of information is taken such ways to ensure that the sample demonstrates over the total dataset and provides a detail overview regarding the risk of credit management. Pertaining to analyzing the credit risk Balance sheet, Cash flow Statement and Cash Flow...