Masud PDF

AN INTERNSHIP REPORT
ON
CREDIT RISK MANAGEMENT PROCESS of MUTUAL TRUST BANK LIMITED
SUBMITTED TO:
Nusrat Nargis
Assistant Professor
Faculty of Business and Economics
Daffodil International University
SUBMITTED BY:
Masud Rana
ID: 123-11-2737
BBA Program
Major in Finance
Faculty of Business & Economics
Date: 21Aug, 16
Preface
As a student of Business Administration, I have completed my internship report on
Credit Risk Management Process of Mutual Trust Bank Limited. During internship
program, I have tried my best to collect the information related to study topic and prepared
the report within a very short time. Thats why; there may unexpected mistakes in the
report. I am great regret for any mistake in this report.
I worked at Mutual Trust Bank Limited, Jamirdia, Masterbari branch as full time
internee from March 02, 2016 to June 02, 2016. The internship aim was to gather practical
knowledge which was related to the theoretical knowledge.
The best feature of my internship program was the access to a motivated and hard-working
team of highly knowledgeable banking professionals. The most important skill that I learnt
was the ability to work in a team. I also picked up considerable skills in handing team
communication, training others, getting trained me, and the ability to adapt to the ever
changing banking scenario.
.
Acknowledgement
First of all I would like to acknowledge The Almighty Allah, the supreme authority of
the universe. This is an exclusive instance of professional life. I passed and enjoyed in the
time of my internship, which help me to prepare this report. A single individual can
achieve no noble objective. Completion of anything requires support from various sources.
I am very much fortunate to get the sincere guidance and supervision from a number of
people.
From my heart, I would like to thank my respectful teacher and internship supervisor
Nusrat Nargis Assistant Professor, Department of Business Administration, Faculty
of Business & Economics, Daffodil International University, who helped me in every
steps of my internship.
Furthermore, I am very much grateful to the executives who extended their wholehearted
co-operation during my internship period. I would like to extend my gratitude to Md.
Mahbub Rahman, (Manager), Md. Shariful Islam, (Deputy Manager), Md.
Sherazum Monir, (Asstt. Officer), Mutual Trust Bank Limited, Jamirdia Masterbari
branch. Finally, I would like to render my gratitude and my heartiness thank to my
supervisors & others who extend their support to prepare the report.
Table of Contents
Topics
Page No :
Executive Summary
Chapter One -Introductory Part
10-13
Introduction
11
Objectives of the report
11
Research Type
12
Data Analysis and Reporting
12
Methodology
13
Limitations
13
Chapter Two-Organization Part
14-26
An overview of Mutual Trust Bank Limited
15
Mission
17
Vision
17
Products & Services of Mutual Trust Bank Limited
17
Retail Banking
19
Loan Products
21
Wholesale Banking
21
Off-Share Banking
22
NRB Banking
23
Organization Hierarchy
24
Group Organogram
25
Shareholdings Structure
Chapter Three- Lending procedures of Mutual Trust
26
27-34
Bank Limited
Principles of Sound Lending
28
Lending Guidelines
30
Steps in the Lending Process
31
Check List for providing the Loan
33
Chapter Four- Activities of credit risk management
35-42
department of Mutual Trust Bank Limited

Credit
36
Factors Considered for Credit
36
Credit Risk Management
36
Credit Analysis
37
Credit Risk Assessment
38
Credit Approval Process of the Mutual Trust Bank
40
Credit Administration
41
Credit Disbursement
41
Credit Monitoring
41
Chapter Five- Credit recovery position of Mutual
43-51
Trust Bank Limited

Credit Recovery
44
Amount of Total Loans & Advances of Mutual Trust Bank
45
Limited
Analysis of Retail, SME, Margin Loans & Advances of Mutual
46
Trust Bank Limited

Corporate Loans & Advances of Mutual Trust Bank Limited
47
Secured Overdraft & Employee Loans of Mutual Trust Bank
48
Limited
Growth of Retail Loan Business of Mutual Trust Bank Limited
49
Total Recovery Ratio of Total Loan Disbursements of Mutual Trust
50
Bank Limited
Mutual Trust Bank Limited Credit Rating Reaffirmed
51
Chapter Six-Findings, Recommendations &
52-56
Conclusion
Findings
53
Recommendations
54
Conclusion
55
Bibliography
56
EXECUTIVE SUMMARY
The topic of my internship report is Credit Risk Management Process of Mutual
Trust Bank Limited. The justification of my report writing on this topic is that credit
risk management has attained the latest highlighted feature in the banking field. The arena
of credit risk has gained extensive attention in recent years due to the increased
competition and the challenges of the present financial crisis. The main objective of my
report is to have a complete knowledge on the activities performed in Credit Risk
Management of Mutual Trust Bank Limited. In this report, I have put some specific
objectives and methodology to reach the main objective. Specific objectives are to learn
the most recent risk regulation for banks which is linked with credit risk management, to
understand various dimensions of risk involved in different credit transactions, to suggest
scopes of improvement in credit risk management of Mutual Trust Bank Limited. To get
the answers of my objectives, I have considered credit risk grading, risk area analysis
under qualitative and quantitative approach for credit risk assessment, credit approval
process, administration and recovery process and also gone through several newspapers
and Mutual Trust Bank Annual Report 2015 for required information. This report
contains some limitation because of information security concern and my interest to have
coverage in General Banking, Clearing, Foreign Exchange and Credit Department within
the 12-week internship period.
Bangladesh Bank has formulated Credit Risk Guideline to supervise the process of Credit
Risk Management. As a scheduled local bank in Bangladesh, Mutual Trust Bank Limited
(Mutual Trust Bank) complies with that policy and it has the entire infrastructure in place
and activities are performed accordingly. It has adopted a well-structured Credit Risk
Management Policy approved by the Board. Mutual Trust Bank is currently following
BASEL II as bank regulation to measure and mitigate credit risk. Credit Risk Grading is
used to assess the borrowers risk on the basis of scorecard and score sheet. After
completing of this grading, credit proposal is processed and submitted for approval. Then
credit is administered and monitored to check whether the purpose of credit is being met
or it is misused. So to check the risk regularly and to improve credit risk management
practices in Mutual Trust Bank Limited, the role of audit, importance of training system
and partnership with financial institution for this training have been suggested. Total
emphasis on this particular area is given as it is believed that the credit risk management
process of a bank is a good indicator of the quality of the bank's loan portfolio.
Part One
INTRODUCTORY PART
10
Introduction:
This internship is a part of the Bachelor of Business Administration (BBA) program that
provides an on-the-job experience to students. The theoretical knowledge and practical
training is not the same theme. The theoretical knowledge is fulfilled when it can be used
in the practical field. Thus internship is a pragmatic application of knowledge and
achieving practical experience by engaging oneself in different and distinct sectors of
work. That is why the internship program is also included in the curriculum of BBA in
Daffodil International University, which is undertaken in different organization of the
country. I have also Completed my internship program at Mutual Trust Bank Limited .A
banking institution is indispensable in a modern society.
It plays a pivotal role in the economic development of a country and forms the core at the
money market in any country. In a developing country like Bangladesh the banking
system as a whole has a vital role to play in the progress of the economic development.
Bank plays a important role in the business sectors and in the industrialization of a
country. Basically the banks take deposits from the customers against interest and lend it
to the borrowers against interest for a cessation period. Under these circumstances of
banks offers different interest rates and other options to the customers to remit and deposit
their money.
Objectives of the report:

To analyze the lending procedure of Mutual Trust Bank Limited.
To analyze the activities of credit risk management department of Mutual Trust
Bank Limited.
To assess the credit recovery position of Mutual Trust Bank Limited from Years
2011-2015.
To identify problems of Mutual Trust Bank Limited and to provide some
recommendations about the problems of credit management process of Mutual
Trust Bank Limited.
11
Research Type:
This is an analytical research work, which tries to provide a brief on the Credit
Management of Mutual Trust Bank Limited.
Sources of Data :
To prepare this report all the necessary information collected from secondary sources of
data. Being an analytical report there was little to no option for collection primary data.
Secondary sources of data are of two kinds Internal: Annual Reports of Mutual Trust Bank Limited, Other published
documents of the bank, Mutual Trust Banks Limited Website.
External: Books, Articles, Journals, Newspaper, Web browsing. Beside the
secondary sources of data, practical deskwork and observation techniques are also
used as primary sources of data to prepare this report. Though meager in amount it
has still helped the writer a lot on the progress of this work.
Data Analysis and Reporting :

Quantitative analysis (Trend analysis, Cross sectional analysis, Ratio analysis)has been
used to collect the data and to analyses the gathered data and different types of computer
software s are used for reporting the gathered information from the analysis, such asMicrosoft Word, Microsoft and Microsoft Excel 2010.
Scope of the study :

Subject scope
The study is focused on the credit policy management of Mutual Trust bank Limited.
Scope of the Report :

As the writer was assigned to the Mutual Trust Bank Limited, Jamirdia Masterbari
Branch, Bhaluka , Mymensingh ,Dhaka, there was enough scope of the study. The report
covers the topic Credit Management of Mutual Trust Bank Limited. To conduct a study
on Credit Management of Mutual Trust Bank Limited, I have gathered valuable
information from Mutual Trust Bank Limited, Jamirdia Masterbari Branch and I have also
got some information from website of Mutual Trust Bank Limited.
12
Despite this topic there are many sectors for working and analysis, like:
o An overview of Mutual Trust Bank Limited.
o Financial performance of Mutual Trust Bank Limited.
o Credit management scenario of Mutual Trust Bank Limited .
o Comparison with other Banks.
Methodology :
To learn the most recent risk regulations for banks associated with credit risk,
Mutual Trust Bank Limited annual report and newspapers studied.
To understand various dimensions of risk involved in different credit transactions,
credit risk grading is considered.
To explore credit management activities performed in Mutual Trust Bank Limited,
required information and data, published in Annual Report 2015 of Mutual Trust
Bank Limited, are obtained.
To identify and suggest scopes of improvement in credit management of Mutual
Trust Bank Limited, several newspapers are studied.
Limitations :
The report is likely to have following limitations:
The Operating Process is a theoretical suggestion. Only a practical application of
this may justify its effectiveness that could not be done due to time limitation.
Lack of comprehension of the respondents was the major problem that created
many
confusions regarding verification of conceptual question.
Confidentiality of data was another important barrier that was faced during the
conduct of
this study. Every organization has their own secrecy that is not
revealed to others. While collecting data on Mutual Trust Bank Limited, personnel
did not disclose enough information for the sake of confidentiality of the
organization.
However, omitting this, the report will help us understand the credit departments of the
bank.
13
Part Two
ORGANIZATION PART
14
An overview of Mutual Trust Bank Limited

The Company was incorporated as a Public Limited Company in 1999, under the
Companies Act 1994, with an Authorized Share Capital of BDT 1,000,000,000 divided
into 10,000,000 ordinary shares of BDT 100 each. At present, the Authorized Share
Capital of the company is BDT 10,000,000,000 divided into 1,000,000,000 ordinary
shares of BDT 10 each.
The Company was also issued Certificate for Commencement of Business on the same
day and was granted license on October 05, 1999 by Bangladesh Bank under the Banking
Companies Act 1991 and started its banking operation on October 24, 1999. As
envisaged in the Memorandum of Association and as licensed by Bangladesh Bank under
the provisions of the Banking Companies Act 1991, the Company started its banking
operation and entitled to carry out the following types of banking business:
Wholesale Banking
Retail Banking
International Trade Financing
Small and Medium Enterprises (SME) Banking
NRB Banking
Privilege Banking
Card Services
Treasury Operations
KEY STATISTICS
Authorized Capital
Paid Up Capital
Total Market Capitalisation
Face Value
52 Weeks Range
Free Float Shares
Figure: 1 (Source: DSE Website)
BRANCH
ATM
Column1
10,000,000,000
3,078,000,000
6,247,595,000
10
15.2-21.4
29.63%
POS
IBANKING
2200
33,438
SMS
106
200
41,864
15
Registered Name of the Company
Mutual Trust Bank Limited
Type:
Limited
Founded:
On September 29, 1999. Started its banking

operation on October 24, 1999 .
Chairman:
Mr. M. A. Rouf, JP
Head office:
26 Avenue, Gulshan-1, Dhaka-1212
Key People:
Mr. Anis A. Khan, (Managing Director, & CEO)
Nature of Business:
Products & Service
Auditors
M. J. ABEDIN & CO.

Chartered Accountants
National Plaza (3rd Floor)
109 Bir Uttam CR Datta Road
Dhaka 1205
Tax Advisor
M/s. ACNABIN
Chartered Accountants
BSRS Bhaban (13th Floor)
12 Karwan Bazar C/A
Dhaka 1215, Bangladesh
Tax Lawyer
Md. Delwar Hossain

Income Tax Practitioner
Chamber: Room No. 10/4
Eastern Commercial Complex
73 Kakrail
Dhaka 1000
Company Registration
Number:
c38707 (665)/99 on September 29, 1999
SWIFT CODE
MTBL BD DH
16
Bangladesh Bank Permission

Number:
BRPD (P) 744(78)/99-3081 on October 5, 1999
Corporate Website
www.mutualtrustbank.com
E-mail:
info@ mutualtrustbank.com
Slogan
You can bank on us
Mission :
We aspire to be the most admired financial institution in the country, recognized as a
dynamic, innovative and client focused company, which offers an array of products and
services in the search for excellence and to create an impressive economic value.
Vision :
Mutual Trust Bank's vision is based on a philosophy known as MTB3V. We envision
Mutual Trust Bank to be :
One of the Best Performing Banks in Bangladesh
The Bank of Choice
A Truly World-class Bank
Products & Services of Mutual Trust Bank Limited

The
Mutual Trust Bank Limited concentrates the following categories of banking
services Retail Banking:

o Deposit Product
o Loan Product
o MTB Cards
17
Corporate Banking:
o Term Finance
o Working Capital Finance

o Trade Finance
o Offshore Banking
o Syndication & Structured Finance
SME Banking:
o Mutual Trust Bank Bhagyobati
o Mutual Trust Bank Kishi
o Mutual Trust Bank Mousumi
o Mutual Trust Bank Revolving Loan
o Mutual Trust Bank Small Business Loan
o Mutual Trust Bank Digoon
o Mutual Trust Bank Green Energy Loan
NRB:
o NRB Savings A/c
Treasury:
o Money Market
o DIBOR
o Foreign Exchange
o Primary Dealers Business
18
RETAIL BANKING
Deposit Products:
Regular Savings Account:
An easy-to-operate savings account that allows issuing cheques, drawing Demand
Drafts and withdrawing cash. Balances can be checked up being at home or office
through Internet Banking and SMS banking.
Current Account:
A Current account is ideal for carrying out day-to-day business transactions. With
the Mutual Trust Bank Regular Current Account, a customer can access his or her
account anytime, anywhere, pay using payable at par cheques or deposit cheque at
any Mutual Trust Bank Limited branch.
Fixed Account:
For long-term investments and to earn higher interests on savings, Fixed Deposit is
offered.
Two types of services are provided:
Automatic renewals: Upon maturity, deposit will be automatically renewed for the
same tenor at the prevailing interest rate unless the customer instructs otherwise.
Overdraft facility: Fixed Deposit can be used as collateral to apply for an overdraft
facility at a competitive rate.
Brick By Brick:
Mutual Trust Bank Limited Brick By Brick is a monthly deposit scheme in which
any one can deposit on a monthly basis and at the end of the period he or she will
get a handsome amount.
Mutual Trust Bank Senior:
It has been designed for those senior citizens aged 60 and above. Services include:
Lifetime free Debit Card, free internet banking, attractive discount on locker
charge, free cheque books, online banking facility across Mutual Trust Bank
Limited branches and access to largest ATM network etc.
Mutual Trust Bank Ruby:
Its an exclusive savings account for women packed with special benefits for
women customers offering higher interest rate, no debit card fee for 1st year and
free Internet Banking .
19
Mutual Trust Bank Kotipati:
Mutual Trust Bank Limited offers a product named " Mutual Trust Bank Kotipati"
to turn one into a Kotipati after a certain span of time depending on his or her
capacity to deposit monthly. Features include: attractive return on deposit, any
Bangladeshi citizen can operate the account singly or jointly, the customer may
avail loan up to 90% of the deposited amount, more than one account can be
opened by the same depositor, option of depositing installment through standing
instruction or at any Mutual Trust Bank Limited branch within 20th of every
month.
Mutual Trust Bank Junior:
It is offered to the youth of society aged below 18 years. This product aims at
facilitating services for school children with free debit card, free all account
maintenance fees etc.
Mutual Trust Bank Graduate:
It is a contemporary savings account, for who are 18 years and above, offering
attractive interest rate, free debit card, free internet banking, no account
maintenance fee.
Mutual Trust Bank Inspire:
It provides a range of enhanced services, while letting its customers enjoy unique
benefits of getting return on their deposit monthly instead of traditional half yearly.
With extra access and convenience of banking, they can enjoy free Debit Card,
free internet banking and the full convenience of a savings account and access
savings anytime.
Monthly Benefit Plan:
This plan offers to generate monthly income out of deposit. It has been designed to
help and assist conscious savers from all strata of the society.
Mutual Trust Bank Double Saver:
Mutual Trust Bank Double Saver is a fixed deposit scheme where the deposit
doubles in 7 (seven) years.
Mutual Trust Bank Millionaire Plan:
It is a monthly deposit scheme which will make a client millionaire after a certain
period. Any person/persons, government and non-government organization can
open this account singly or jointly.
20
Loan Products:
Mutual Trust Bank Personal Loan:
It is one-stop-solution for all financial needs to fulfill any of desires.
Mutual Trust Bank Auto Loan:
It is available for financing both new and reconditioned cars.
Mutual Trust Bank Home Loan:
Whether it is purchasing a new house or a new apartment, Mutual Trust Bank has a
wide range of home loan options that can be customized to ones specific need.
Mutual Trust Bank Professional Loan:
It is a multi-purpose cash loan which is collateral free, with fixed monthly
installment. Any Bangladeshi in the following professions, self employed or
salaried professionals: Doctors or medical professionals, Engineers, Architects and
Chartered Accountants.
Mutual Trust Bank Card Products :

Mutual Trust Bank Debit Card , Mutual Trust Bank Local & Dual Currency Credit Card ,
Mutual Trust Bank Prepaid Card.
WHOLESALE BANKING
Term Finance
Project Finance ,Finance for Importing Capital Machinery , Lease Finance , House
Building Finance , Term Loan to NBFI , Term Lending
Working Capital Finance
Secured over Draft (SOD) , Cash Credit (Hypo) , Cash against Document , Short
Term Loan , Loan General ,Time Loan
Trade Finance
Export finance
Back to Back L/C , Export Bill Discounting (FDBP and IDBP) , Secured over
Draft (SOD-general/export bill), Packing Credit
21
Import finance
Loan against Trust Receipt (LTR) , EDF Loan, Non-funded trade finance, L/C
Opening (Sight/Deferred/UPAS) , L/C Advising , L/C Transfer, Bank Guarantee ,
Shipping Guarantee.
Bank Guarantee
Bank Guarantee [Bid Bond, Performance Guarantee, Advance Payment Guarantee,
etc.
Syndications & Structured Finance
Financing to Power, Telecom, Hotels, Aircraft, Steel, Cement, Glass,
Petrochemical, Agro-based Project, Micro Financing, etc.
Off-Share Banking
Term Finance, Working Capital Finance , Trade Finance (Local bill discounting, Foreign
Bill Discounting, UPAS) Cash Management unit:
Mutual Trust Bank Limited Nationwide Collection Services
Mutual Trust Bank Limited Web Based Banking Service
Mutual Trust Bank Limited Payments Solutions (Clearing service, BACH, BFTN)
Mutual Trust Bank Limited Capital Market Services (IPO LBTI, BTI, Right Issue)
Mutual Trust Bank Limited High Value Account Services
Motor Vehicle Fee Limited Collection Solution
Mutual Trust Bank Limited Tuition Fees Collection Service
22
NRB BANKING
NRB Products:
NRB Savings Account
NRB Deposit Pension Scheme (NRB DPS)
NRB Fixed Deposit Account (NRB FD)
NRB Services:
Inward Foreign Remittance through globally reputed money transfer companies
and Mutual Trust Banks fully owned subsidiary Mutual Trust Bank Exchange
UK Ltd.
Banking Service to NRB through Mutual Trust Bank Limited Representatives in
UAE.
Foreign currency exchange facility to passengers travelling to or from abroad
through Mutual Trust Bank
Foreign Currency Exchange Booths at Hazrat
Shahjalal International Airport, Dhaka .
23
Organization Hierarchy :
Mutual Trust Bank Ltd.
Executive Vice
President
Organization Hierarchy
Senior Vice
President
Vice
President
Senior Asstt.
Vice
President
Assistant Vice
President
First
Asstt.
Vice
President
Junior Asstt.
Vice
President
Senior
Officer
Officer/ Trainee Officer
Junior
Officer
Asstt. Officer
Driver/
Electrician
Office Asstt/Asstt.
Electrician
24
Mutual Trust Bank Group Organogram :

Manager
General banking
Dept. In-charge
Senior Officer
Credit Dept. Incharge
Principal Officer
Foreign Exchange
Dept In-charge
Principal Officer
Senior Officer
Officer
Assistant Officer
Teller
Officer
Assistant Officer
Office
r
Assistant Officer
25
Mutual Trust Bank Shareholdings Structure :
(%) of Shareholding
Sponsors/Director
s
29.82%
44.69%
Financial
Institutions
General
Shareholders
25.49%
26
Part Three
Lending Procedure of Mutual Trust Bank Limited
27
Principles of Sound Lending :

It should be clearly understood that the criteria/principles are not inflexible laws & are
given as guidelines for protecting credit. In a practical competitive world, risks are
defined, accepted and credit is often granted even though a proposal does not strictly with
some of the criteria described below. The basic lending criteria can be considered as eight
main headings, as follows:
Principle of Safety
Principle of Liquidity
Principle of Purpose
Character and ability of the borrower
Principle of Security
Principle of profitability
Source of repayment
Principle of National Interest
Each of the headings will now be discussed further in the following paragraph:
Principle of Safety
The first lending Principle of sound lending is safety. The very existence of a Mutual
Trust Bank depends upon the safety of its advances. So utmost care should be exercised to
ensure that the funds go to the right type of borrower, are utilized in such a way that they
remain safe and the repayment comes in the normal course.
Principle of Liquidity
Liquidity means the availability of Mutual Trust Bank funds on short notice. The liquidity
of an advance means it repayment on demand on due date or after a short notice.
Therefore, The Mutual Trust Bank must have to maintain sufficient liquidity to repay its
depositors and trade-off between the liquidity and profitability is must.
Principle of Purpose
The Mutual Trust Bank should not lend money for any purposes for which a borrower
may be free from all risks but if the funds borrower are employed for unproductive.
Purpose like marriage ceremony, pleasure trip etc. or speculative activities, the repayment
in the normal course will become uncertain. Mutual Trust Bank therefore discourage
advances from boarding stocks and refuse advances for speculative activities.
Character and ability of the borrower
The primary responsibility of the leading banker is know your customer and his
business. While considering the character and ability of a borrower, the following point
must be kept in mind.
28
Do know your customer already?

Was he respectively introduced?
If he was previously customer of another bank, why has he come to Mutual Trust
Bank Ltd.
Try to see previous bank statement?
Have you made the account opening inquiries required by the bank?
What are the business its ownership?
What is the customer s background and financial track record?
Customer s honesty & integrity and personal stability ?
How has the customer managed his financial circumstances in the past?
The branch manager should have the answer of the above queries and should be to judge
his ability to use the credit facilities to his advantage. Advance should be granted only to
those borrowers in whom the branch manager has full confidence.
Principle of Security
The security offered by a borrower for an advance is insurance to the banker. It serves as
the safety value for an unforeseen emergency. The security accepted by a banker to cover
a bank advance must be adequate, readily marketable, easy to handle and free from any
encumbrance.
Principle of Profitability
The working funds of a bank are collected mainly by means of deposit from the public and
interest has to be paid on those deposits. Banks have also to meet their establishment
charges and other expenses. Interest earned by a bank on its advance is the main source of
its income. The difference between the interest received on advances and the interest paid
on deposits constitute a major portion of the banker s income. The Mutual Trust Bank
will not enter into a transaction unless a fair return form it is assured.
Source of Repayment
After the branch manager has ensured that the credit will be a profitable propositioning for
the Mutual Trust Bank, he should then turn his attention to the cash flow situation of the
borrower. The Mutual Trust Bank credit can be classified into three main categories, as
follows:
A very short-term advance will be liquidated by funds received in the very near
future, such as advances against foreign or local bills or bridge functioning where
evidence of credit sanction from another financial institution is available.
29
Provision for current assets; this type facility is needed for trading and /or
manufacturing activities.
Long term loans, generally over 5 years; example of such facilities as investment
in plant and machinery, a farm or a shop, generally, a long term is repaid out
profits generated by the business.
Lending Guidelines :
Mutual Trust Bank Limited finances in lawful business for lawful purpose in lawful
manner.
Mutual Trust Bank Limited extends credit facilities to individuals, proprietorship
concerns, partnership concerns, limited companies-private and public, government
organizations, financial institutions, joint ventures, and such other organizations having
legal existence and necessary permissions for conducting business in Bangladesh.
Mutual Trust Bank Limited extends credit facilities only to productive and legitimate
business activities, which are socially desirable, nationally important, and financially
viable and will avoid lending as far as possible for unproductive purposes and speculative
ventures.
While extending credit facilities Mutual Trust Bank Limited will abide by its Know Your
Customer (KYC) policy, anti money-laundering regulations, and will conduct its credit
activities within the prescribed regulatory parameters of Bangladesh Bank and Bank
Company Act. All statutory requirements outlined in BOI Guidelines, Industrial policy,
Export Policy, Import Policy, Transfer of Property Act, etc. to be strictly followed.
In pricing a business loan, Bank management must consider the cost of raising loan able
funds and the operating costs of running the Bank. This means that Banks must know what
their costs are in order to consistently make profitable, correctly priced loans of any type.
There is no substitute for a well-designed management information system when it comes
to pricing loans.
30
Mutual Trust Bank Limited is generally used the simplest loan-pricing model which
assumes that the rate of interest charged on any loan includes four components: (1) the
cost to the Bank of raising adequate funds to lend, (2) the Banks no funds operating costs
(including wages and salaries of loan personnel and the cost of materials and physical
facilities used in granting and administering a loan), (3) necessary compensation paid to
the Bank for the degree of default risk inherent in a loan request, (4) Banks desired profit
margin.
Steps in the Lending Process :
Mutual Trust Bank loans to individuals arise from a direct request from a customer
who approaches a member of the bank s staff and asks to fill out a loan application.
Business can requests, on the other hand, often arise from contacts the bank s loan
officers and sales representatives make as they solicit new accounts from firms
operating in the banks market .
Sometimes loan officers will call on the same company for months before the
customer finally agrees to give the bank a try by filling out a loan application.
Once a customer decides to request a loan, an interview with a loan officer usually
follows right away, giving the customer the opportunity to explain his or her credit
needs. That interview is particularly important because it provides an opportunity for
the bank s loan officer to assess the customer s character and sincerity of purpose.
If a business or mortgage loan is applied for, a site visit is usually made by an officer
of the Mutual Trust Bank to assess the customer s location and the condition of the
property and to ask clarifying questions. The loan officer may contact other creditors
who have previously loaned money to this customer to see what their experience has
been.
If all is favorable to this point, the customer is asked to submit several crucial
documents the Mutual Trust Bank needs in order to fully evaluate the loan request,
including complete financial statements and, in the case of a corporation, board of
directors resolutions authorizing the negotiation of a loan with the bank.
31
Is the Borrower Creditworthy?

The question that must be deal with before any other is whether or not the customer can
service the loan-that is, pay out the credit when due, with a comfortable margin for error.
This usually involves a detailed study of six aspects of the loan application- character,
capacity, collateral, conditions, and control. All must be satisfactory for the loan to be a
good one from the lenders point of view.
Character
The loan officer must be convinced that the customer has a well-defined purpose
for requesting bank credit and a serious intention to repay. If the officer is not sure
exactly why the customer is requesting a loan, this purpose must be clarified to the
banks satisfaction.
Responsibility, truthfulness, serious purpose, and serious intention to repay all
monies owed make up what a loan officer calls character.
Capacity
The loan officer must be sure that the customer requesting credit has the authority
to request a loan and the legal standing to sign a binding loan agreement. This
customer characteristic is known as the capacity to borrow money. For example, in
most states a minor (e.g., under age 18 or 21) cannot legally be held responsible for
a credit agreement; thus, the bank would have great difficulty collectors on such a
loan.
Collateral
In assessing the collateral aspect of a loan request, the loan officer must ask, does
the borrower possess adequate net worth or own enough quality assets to provide
adequate support for the loan? The loan officer is particularly sensitive to such
features as the age, condition, and degree of specialization of the borrowers assets.
Conditions
The loan officer and credit analyst must be aware of recent trends in the borrowers
line of work or industry and how changing economic conditions might affect the
loan.
Control
The last factor in assessing a borrowers creditworthy status is control which
centers on such questions as whether changes in law and regulation could
adversely affect the borrower and whether the loan request meets the banks and
the regulatory authorities standards for loan quality.
Capital
Financial strength to cover a risk.
32
Check List for providing the Loan :

When a customer want take the loan those customers some rules should be followed:
Clients application through their letterhead duly signed and sealed therein
Clients application through Banks prescribed from duly signed & sealed
in every page.
2 (two) copies of Photograph of the proprietor/ guarantors/ partners/
directors.
Owners(s) declaration in Banks prescribed form.
Board resolution regarding credit facility.
Net Worth statement of the proprietor/partners/directors in Banks
prescribed form.
Permission of Board of Investment, in case of Garments factory & Join
venture company.
Bio-data of the proprietor/partners/directors with business experience.
Memorandum & Articles of Association.
Certificate of Commencement of Business, in case of Public Limited
Company.
Last 3 (three) years Financial (Income statements, Balance sheets,

Cash flow Statements) of the applicant, in case of existing
company.
Project profile, in case of new company.
Stock report.
o Group liability with us & other banks.
o Total project cost with break-up and list of machinery with
origin & price.
o Sources & amount of Income & Expenditure, in case of
SME & Real Estate Company.
o Security, which will be offered.
33
Security documents :
Original Title Deed of the land or Certified copy of Title Deed along with original
money receipt.
Bia-deed of the land.
Certified copy of CS, SA, RS & Mahanagar Hal Jarip Parcha.
Certified copy of Mutation Parcha long with DCR.
Up to date Ground rent receipt & Municipal tax payment receipt.
Non Encumbrance Certificate from related Sub-registry Office.
No Objection Certificate regarding mortgage from RAJUK/ministry of Works/Any
other Authority related to the land, in case of need.
Allotment Letter from RAJUK/Ministry of Works/Any other Authority.
RAJUK Approved Buildings Plan, Site Plan & Mouza Map.
34
Part Four
Activities of Credit Risk Management Department of
Mutual Trust Bank Limited
35
Credit :
The word credit comes from the Latin word Credo meaning I believe. It is a lender s
trust in a person s or firms or company s ability or potential ability and intention to
repay. Credit is a contractual agreement, in which a borrower receives something of value
now, with the agreement to repay the lender at some date in the future. One of the basic
functions of the bank is deposit extraction and credit extension. Managing credit
operations is the crying need for Mutual Trust Bank Limited .
The objective of the credit management is to maximize the performing asset and the
minimization of the non-performing asset as well as ensuring the optimal point of loans
and advances and their efficient management.
Factors Considered for Credit :
Time
Operating Expense
Risk
Interest Rate
Legal Considerations
Finance Charge
Inflation
Significance of Credit :
Business cycle can run well only by the help of lending system
It helps to create employment opportunities
Credit plays a vital role in national economy in the following waysIt provides working capital for industrialization
Credit controls almost all kinds of production activities of the country
It brings social equity
Cash generation occurs for its successful performance
Economic stabilization
Raise standard of living.
Credit Risk Management :

Credit risk is the risk due to a borrowers inability to meet its financial obligations to the
lender .The credit risk is generally made up of transaction risk or default risk and portfolio
risk. We have standardized credit approval processes. Credit risk is controlled through
36
segmental exposure limits to various industries and sectors, prudential exposure and
substantial exposure ceiling and risk mitigation by obtaining collateral and guarantees.
Mutual Trust Bank Limited has put in place a well-structured Credit Risk Management
Policy duly approved by the Board. In addition to Credit Risk Management Policy, Mutual
Trust Bank Limited has also framed Board approved credit policy and ensures compliance
with regulatory requirements, more particularly in respect of Exposures norms, Assets
Classification guidelines, Capital Adequacy guideline, etc of Bangladesh Bank/other
Statutory Authorities. Credit Risk is monitored by the Bank account wise and compliance
with the risk limits/exposure cap approved by the Board is ensured. The quality of
internal control system is also monitored and in house expertise has been built up to tackle
all the facets of Credit Risk.
Instruments and Tools used in Credit Risk Management :

The instruments and tools through which Mutual Trust Bank Limited manages credit risk
are as follows:
Exposure Ceilings
Review/Renewal
Risk Rating Model
Risk Based Scientific Pricing
Portfolio Management
Credit Audit/Loan Review Mechanism
Credit Policy of Mutual Trust Bank Limited:

One of the most important ways, a bank can make sure that its loans meet organizational
and regulatory standards and they are profitable. It is important to establish a loan policy.
Such a policy gives loan management a specific guideline in making individual loans
decisions and in shaping the bank s overall loan portfolio. In Mutual Trust Bank Limited
there is perhaps a credit policy but there is no credit written policy.
Credit Analysis
The division of the bank responsible for analyzing and recommendations on the fate of
most loan applications is the credit department. Experience has shown that this department
must satisfactorily answer three major questions regarding each loan application:
Is the borrower creditworthy? How do you know?
Can the loan agreement are adequately protected and the customer has a high
probability of being able to service the loan without excessive strain?
37
Can the bank perfect its claim against the assets or earnings of the customer so
that, in the event of default, bank funds can be recovered rapidly at low cost and
with low risk?
Let s look in turn at each of these three key issues in the yes or no decision a bank
must make on every loan request.
Deposit
2015
2014
Growth over 2014
Current Deposit & Other Accounts
9,586
8,224
16.56%
Bills payable
1,253
1,284
-2.41%
Savings Deposits
17,908
14,384
24.50%
Special Notice Deposits
13,677
7,997
71.03%
Fixed Deposit
55,708
49,412
12.74%
Deposit-Products
20,272
14,764
37.31%
118,405
96,065
23.26%
Total Deposits
Credit Risk Assessment:

Risk assessment or analysis is all about understanding and evaluating the risk associated
with lending the money. In Mutual Trust Bank Limited, a thorough credit risk assessment
is conducted preceding the sanction of any credit facilities. While assessing a credit
proposal, total importance is given on repayment potential of loans out of funds generated
from borrowers business (cash flow) rather than realization potential of underlying
securities. Thereafter, it will be done annually for all types of credit facilities i.e. Demand
Loan, Continuous/Revolving Loan and Term Loan.
Two types of approaches are followed to assess credit risk:
Qualitative approach
Quantitative approach
38
Qualitative approach :
In this approach, five Cs are used to assess the prospective borrowers risk:
Character:
It indicates the willingness of the prospective borrower to meet banks obligation
upon maturity. In that case the bank assesses the following quality of the borrower.
Moral & mental qualities of integrity,
Fairness,
Responsibility,
Trustworthiness,
Capacity:
In this regard, the bank assesses the potential borrowers ability to repay the debt
when it falls due. The bank also assesses the competence of that borrower to utilize
the loan effectively and profitably.
Capital:
It is the indicative of borrowers financial resources. In this regard the bank
examines the borrowers net worth that governs the amount of credit that would be
made to the borrower.
Collateral:
It represents the asset that is backed by the loan. In this regard the Bank examines
the sufficiency and adequacy of the sale proceeds of the collateral to satisfy the full
loan obligation.
Condition:
It implies the economic and business conditions that affect the borrowers ability
to earn and repay the debt.
Quantitative approach:
In this approach financial data are used in assessing clients risk.
In that concern, the Bank follows the following steps in order to analyze and assess the
prospective clients risk:
Collecting loan information of the applicant .

Collecting business information for which loan is sought .
Collecting the primary risk related information .
Assembling all credit information together .
Analyzing sensitive risky credit information .
Analyzing refined and very essential risk information .
39
Credit Approval Process of the Mutual Trust Bank Limited:

Credit approval process starts with receiving given completed credit application from the
customer and ends with issuance of a written Sanction Advice by the Mutual Trust
Bank. The primary factor determining the quality of the banks credit portfolio is the
ability of each borrower to honor, on a timely basis. All credit comities made to the bank.
The authorizing credit personnel prior to credit approval must accurately determine this. If
the report of the project appraisal is very satisfactory to approve the loan proposal, than
the following steps furnish the approval procedure:
Step-1: Receiving application from the customer along with required papers and
documents.
Step-2: Scrutinizing the Credit Application Form and other documents in order to make a
preliminary assessment on creditworthiness of the potential borrower.
Step-3: Visiting the customers business premise and try to acquire proper understanding
about relevant information the business position, business expertise and reputation of the
borrower, purpose of credit, actual credit requirement, sources of repayment, etc.
Step-4: Sending the Pre-sanction Inspection Report to the Corporate Division of Head
Office and assessing the credit proposal and contacting with the concerned Relationship
Manager or directly to the customer for any query by Head of Corporate Division or
assigned Executive.
Step-5: Sending the CIB Inquiry Form to Bangladesh Bank by Credit Administration
Department of Head Office on receipt of the request letter from the Branch.
Credit Administration :
Mutual Trust Bank Limited credit disbursement functions and administration are strictly
handled by Credit Administration Department (CAD), which ensures the following:
Documented credit approvals are obtained.

Legally enforceable security documents are prepared.
Limit creation and loan documentation check list (LDCL) are obtained.
All standard charge documents are executed.
Loan classification and provisioning are done as per norms.
Credit disbursement approvals are promptly given.
40
Credit Disbursement :
Credit disbursement occurs after assessing all the formal documents like credit
application, other business documents of the borrower, financial sheets, CIB report, CRG
score sheet etc. According to BB guidelines the disbursement procedures take place in the
following ways Security documents are prepared in accordance with approval terms and are legally
enforceable. Standard loan facility documentation that has been reviewed by legal
counsel should be used in all cases. Exceptions should be referred to legal counsel
for advice based on authorization from an appropriate executive in CRM.
Disbursements under loan facilities are only be made when all security
documentation is in place. CIB report should reflect/include the name of all the
lenders with facility, limit & outstanding. All formalities regarding large loans &
loans to Directors should be guided by Bangladesh Bank circulars & related
section of Banking Companies Act. A sample documentation and disbursement
checklist is attached, which banks may wish to use to control disbursements.
After disbursement procedure the approval procedures take place. The approval process
must reinforce the segregation of Relationship Management/Marketing from the
approving authority.
Credit Monitoring :
Mutual Trust Bank Limited Credit Monitoring Department (CMD) monitors the asset
(loan) portfolio of the bank. Mutual Trust Bank Limited credit monitoring system provides
an early indication/alert about the deterioration of loans that allows effective management
of the loans in a rational manner to prevent them from turning into Non-performing loans
(NPL). Statements on early alert accounts, delinquent and specially mentioned accounts
are generated timely and necessary actions are taken by the CMD. Mutual Trust Bank
Limited credit monitoring tools are effective enough to keep the overdue and SMA loans
well below the industry average. Once the loan is disbursed, risk remains and continues
until the borrowing is fully repaid and the loan should be continuously watched over.
These include keeping track of borrowers compliance with credit terms, identifying early
signs of irregularity and monitoring timely repayments.
41
Monitoring of accounts is the prime responsibility of RM team of Corporate Banking

Division. Steps involved in monitoring process are as follows:
Past due principal or interest payments, past due trade bills, account excesses, and
breach of loan covenants;
Loan terms and conditions are monitored, financial statements are received on a
regular basis, and any covenant breaches or exceptions are referred to CRM and
the RM team for timely follow-up.
Timely corrective action is taken to address findings of any internal, external or
regulator inspection/audit.
All borrower relationships/loan facilities are reviewed and approved through the
submission of a Credit Application at least annually.
42
Part Five
Credit Recovery Position of Mutual Trust Bank
Limited
43
Credit Recovery:
The Recovery Unit (RU) of CRM should directly manage accounts with sustained
deterioration (a Risk Rating of Sub Standard (6) or worse). Banks may wish to transfer
EXIT accounts graded 4-5 to the RU for efficient exit based on recommendation of CRM
and Corporate Banking. Whenever an account is handed over from Relationship
Management to RU, a Handover/Downgrade Checklist should be completed. The RUs
primary functions are:
Determine Account Action Plan/Recovery Strategy.
Pursue all options to maximize recovery, including placing customers into
receivership or liquidation as appropriate.
Ensure adequate and timely loan loss provisions are made based on actual and
expected losses.
Regular review of grade 6 or worse accounts.
In RU, the RM experiences the Non-Performing loans. In such cases, assessment of NPLs
are executed though following steps NPLs account management- through assigning an account manager who is
responsible for coordinating and administering for action plan/recovery of the
account.
Account transfer procedures
NPLs monitoring
NPLs provisioning and write off.
The management of problem loans (NPLs) must be a dynamic process, and the associated
strategy together with the adequacy of provisions must be regularly reviewed.
44
Amount of Total Loans & Advances of Mutual Trust Bank Limited Last Five
Years :
Year
2015
2014
2013
2012
2011
Amount(BDT Million)
97589
77141
59548
56511
47005
(BDT Million)
97589
100000
90000
77141
80000
70000
60000
50000
56511
59548
47005
Amount of Total Loans

& Advances (million )
40000
30000
20000
10000
0
2011
2012
2013
2014
2015
Amount of Total Loans & Advances of Mutual Trust Bank Limited was 47005 million in
2011 , 56511 million in 2012 , 59548 million in 2013 , 77141 million in 2014 , 97589
million in 2015. The bank exposure to loans and advances increased from BDT 77141
million in 2014 to BDT 97589 million in 2015 registering a 26.51 % growth over the last
year. The graph show that the highest amount of total loans & advances 97589 million in
2015 ,on the other hand the lowest amount of total loans & advances 47005 million in
2011 in Mutual Trust Bank Limited . The graph show that amount of total loans &
advances increase year to year . But, Amount of Total Loans & Advances fall down in
2011 .
Finally, it can be said that Amount of Total Loans & Advances for last one year indicates
better position of Mutual Trust Bank Limited .
45
Analysis of Retail, SME, Margin Loans & Advances of Mutual Trust Bank
Limited from Year 2011 to 2015 :
(BDT Million)
10000
9278
9000
8000
7028
7000
6000
4000
3000
Margin Loan
4869
5000
3832
2952
4102
4068
4206
3323
2454
2343
2014
2013
2269
2000
3497
Retail Loan
2942
SME Loan
1960
1000
0
2015
2012
2011
Retail loan of Mutual Trust Bank Limited was 2952 million in 2015, 2454 million in 2014,
2343 million 2013, 3323 million in 2012, 1960 million in 2011.The graph show that the
highest retail loan of 3323 in 2012.
SME loan of Mutual Trust Bank Limited was 9278 million in 2015, 7028 million in 2014,
4869 million 2013, 2269 million in 2012, 2942 million in 2011.The graph show that the
highest SME loan of 9278 in 2015.
Margin loan of Mutual Trust Bank Limited was 3832 million in 2015, 4102 million in
2014, 4068 million 2013, 4206 million in 2012, 3497 million in 2011.The graph show that
the highest margin loan of 4206 in 2012.
46
Corporate Loans & Advances of Mutual Trust Bank Limited from Year
2011 to 2015 :
Year
Amount (BDT Million)
2015
77719
2014
59835
2013
44411
2012
43155
2011
35628
(BDT Million)
77719
80000
59835
60000
44411
40000
43155
35628
20000
Column1
Series 2
0
2015
2014
2013
Corporate Loan (BDT Million)

2012
2011
Amount Corporate Loans & Advances of Mutual Trust Bank Limited was 35628 million
in 2011 , 43155 million in 2012 , 44411 million in 2013 , 59835 million in 2014 , 77719
million in 2015. The bank exposure to corporate loans and advances increased from BDT
59835 million in 2014 to BDT 77719 million in 2015.
Finally, it can be said that Amount of Total Corporate Loans & Advances for last one year
indicates better position of Mutual Trust Bank Limited.
47
Secured Overdraft & Employee Loans of Mutual Trust Bank Limited from
Year 2011 to 2015 :
3500
3207
3316
3145
3032
3000
2530
2500
2000
employee
1500
1000
Secured Overdraft
601
577
542
526
500
449
0
2015
2014
2013
2012
2011
Secured Overdraft loan of Mutual Trust Bank Limited was 2530 million in 2011 , 3032
million in 2012 , 3316 million in 2013 , 3145 million in 2014 , 3207 million in 2015. The
graph show that the highest secured overdraft 3316 million in 2013.
Employee of Mutual Trust Bank Limited was 449 in 2011, 526 in 2012, 542 in 2013, 577
in 2014, 601 in 2015. The graph show that highest employee 601 in 2015.
48
Growth of Retail Loan Business of Mutual Trust Bank Limited from Year
2011 to 2015 :
The graph show that growth of retail loan ( Volume of Business & Number of Customer )
of Mutual trust bank limited 2011 to 2015 . Volume of Business was 831.82 million in
2011 ,662.86 million in 2012 , 425.41 million in 2013 ,513.86 million in 2014 , 979.50
million in 2015 in Mutual trust bank limited .Number of Customer was 1858 in 2011 ,
1480 in 2012 , 968 in 2013 , 1212 in 2014 , 2051 in 2015 in Mutual trust bank limited .
The graph show that the highest volume of business 979.50 million in 2015 ,on the other
hand the lowest volume of business 425.41 million in 2013 in Mutual trust bank limited .
On the other hand , the graph show that the highest number of customer 2051 in 2015 ,
the lowest number of customer 1212 in 2014 in Mutual trust bank limited .
Finally, it can be said that volume of business & number of customer is better position of
Mutual trust bank limited in 2015 .
49
Total Recovery Ratio of Total Loan Disbursements of Mutual Trust

Bank Limited Last five Years :
(BDT Million)
Year
Total Disbursements
Total Recovery
Ratio
2015
97589
82443
84.48%
2014
77141
62561
81.10%
2013
59548
51896
87.15%
2012
56511
46424
82.15%
2011
47005
35794
76.15%
Total Recovery Ratio
76.15%
84.48%
2011
2012
2013
82.15%
81.10%
2014
2015
87.15%
50
The graph show that Recovery ratio 84.48% in 2015, 81.10% in 2014, 87.15% in 2013, 82.15% in
2012, 76.15% in 2011 in Mutual Trust Bank Limited. The highest recovery ratio 87.15% in 2013 ,
On the other hand, The lowest recovery ratio 76.15% in 2011. Here, In 2015 recovery ratio
increase 3.38 from 2014.
Finally, it can be said that recovery position is better in Mutual Trust Bank Limited.
Mutual Trust Bank Limited Credit Rating Reaffirmed :
51
Part Six
Findings, Recommendations & Conclusion
52
Findings :
Mutual Trust Bank Limited carefully ignores Government service holders,
Private service holders and Professionals for providing loan.
Process of sanctioning loan is very lengthy. As a result many of the customers are
not willing to take loan.
Most of the clients think that the terms and conditions are too hard to take loan.
When the loan amount is small then 1.25% processing fee isnt too much, but for
large scale, 1% processing fee is huge amount. As a result corporate clients are not
interest to take loan from Mutual Trust Bank Limited .
Mutual Trust Bank Limited website is not sufficient to provide all information
about each type of loans. So, Clients need to go to the Mutual Trust Bank Limited
branch to collect loan information properly.
Most of the time the bank tries to provide quality services to the known clients.
For this reason general customers have been suffered.
53
Recommendations :
The authority of Mutual Trust Bank Limited should introduce more innovative
ideas and products like as student loan. Many banks provide this type of facility.
This may encourage the students to come forward for this loan which will be very
helpful to build their career.
The bank should reduce harassments and take a little time for the processing of
loan application.
Detailed Credit Manual should be prepared for accurate credit operation.
Mutual Trust Bank Limited should take effective steps to reduce their classified
loans.
The bank should improve procedural matters regarding approval, monitoring and
recovery of credit facilities.
The bank should improve the Credit risk management department to avoid possible
default loans.
54
Conclusion :
As an internee of Mutual trust bank limited I have truly enjoyed my internship from the
learning and experience view point. I am confident that this three months internship
program at Mutual trust bank limited will definitely help me to realize further career in the
job or personal life. Mutual Trust Bank Limited is a very modern bank in the banking
business area. It was incorporated in the year 1999. So within this short time the bank
already get the popularity in the people and the attractiveness of the bank increase day by
day. When this bank starts its operation, their first target customer was the Business
person, but with the demand of general people the bank is also doing business with the
general people.
The bank is spreading its operation throughout the Bangladesh. Recently this bank has 106
branches all over Bangladesh. So very recent it will increase their branches to meet up the
peoples demand and the process is continuing. The Bank already has shown impressive
performance in different financial sector. The bank now should start new services and take
different types of marketing strategy to get more customers in this competitive market of
banking business.
In its lending operations, the Bank has learnt a lot from its past experiences. Hopefully the
Mutual trust bank limited is able to improve in all its areas especially in the lending
operations.
We hope that this bank will compete with the first class banks of Bangladesh very soon.
55
Bibliography:
www.mutualtrustbank.com
www.mutualtrustbank.com/about us
www.mutualtrustbank.com/profile of MTB/Branch
http://www.mutualtrustbank.com/about-us/mtb-corporate-structure/
http://www.mutualtrustbank.com/financial-statements/
http://www.mutualtrustbank.com/regulatory-disclosure/price-sensitive-information/
http://www.mutualtrustbank.com/investor-relations/shareholding-structure/
http://123.49.46.158/reports/Annual%20Reports/ANNUAL%20REPORT/Bank/Mutual%
20Trust%20Bank
http://lankabd.com/companies/listPortalPaginationAnnouncement.html?isLimited=true&st
oryPortalCategoryId=2&companyId=27&stockId=27
Annual Reports of Mutual trust bank limited ( 2011 to 2015)
56
57

Masud PDF

Caricato da

Informazioni sul documento

Titolo originale

Copyright

Formati disponibili

Condividi questo documento

Condividi o incorpora il documento

Opzioni di condivisione

Hai trovato utile questo documento?

Questo contenuto è inappropriato?

Copyright:

Formati disponibili

Masud PDF

Caricato da

Copyright:

Formati disponibili

AN INTERNSHIP REPORT

Daffodil International University

Daffodil International University

Daffodil International University

Daffodil International University

Chapter One -Introductory Part

Objectives of the report

Data Analysis and Reporting

Chapter Two-Organization Part

An overview of Mutual Trust Bank Limited

Products & Services of Mutual Trust Bank Limited

Daffodil International University

Chapter Three- Lending procedures of Mutual Trust

Steps in the Lending Process

Check List for providing the Loan

Chapter Four- Activities of credit risk management

department of Mutual Trust Bank Limited

Factors Considered for Credit

Credit Risk Management

Credit Risk Assessment

Credit Approval Process of the Mutual Trust Bank

Daffodil International University

Chapter Five- Credit recovery position of Mutual

Trust Bank Limited

Amount of Total Loans & Advances of Mutual Trust Bank

Trust Bank Limited

Secured Overdraft & Employee Loans of Mutual Trust Bank

Total Recovery Ratio of Total Loan Disbursements of Mutual Trust

Chapter Six-Findings, Recommendations &

Daffodil International University

Daffodil International University

Daffodil International University

Objectives of the report:

Daffodil International University

Data Analysis and Reporting :

Scope of the study :

Scope of the Report :

Daffodil International University

Daffodil International University

An overview of Mutual Trust Bank Limited

Daffodil International University

Registered Name of the Company

Mutual Trust Bank Limited

On September 29, 1999. Started its banking

26 Avenue, Gulshan-1, Dhaka-1212

Mr. Anis A. Khan, (Managing Director, & CEO)

Products & Service

M. J. ABEDIN & CO.

Md. Delwar Hossain

c38707 (665)/99 on September 29, 1999

Daffodil International University

Bangladesh Bank Permission

BRPD (P) 744(78)/99-3081 on October 5, 1999

You can bank on us

Products & Services of Mutual Trust Bank Limited

Mutual Trust Bank Limited concentrates the following categories of banking

services Retail Banking:

o Working Capital Finance

Daffodil International University

Mutual Trust Bank Kotipati:

Daffodil International University

Mutual Trust Bank Card Products :

Daffodil International University