Term Paper
On
Credit Risk Management Systems of One Bank
Limited
Submitted To:
Sabir Amin Reza
Associate Professor
Department of Finance and Banking
Tejgaon College, Dhaka.
Submitted By:
Md. Robel Khan
MBA (Final)
Roll No: 186331
Session: 2017-2018
Department of Finance and Banking
Tejgaon College, Dhaka.
National University
Date of Submission: 25th September, 2019
vi
Letter of Transmittal
Date: 25th September, 2019
Sabir Amin Reza
Associate Professor
Department of Finance and Banking
Tejgaon College, Dhaka.
Subject: Submission of Term paper on “Credit Risk Management Systems of One
Bank Limited”
Dear Madam,
It is a great pleasure and honor for me to submit term paper on the above mentioned title
“Credit Risk Management Systems of One Bank Limited” for a partial fulfillment of
the requirements of our MBA (Final) I have toiled hard in preparing the project report
and tried to make the report clear and comprehensive within constrains. I appreciate
having this task. If you need kind of assistance interpreting this report or further
explanation I will be glad to provide it accordingly.
Your sincerely,
Md. Robel Khan
MBA (Final)
Roll No: 186331
Session: 2017-2018
Department of Finance and Banking
Tejgaon College, Dhaka.
i
Student’s Declaration
I, Md. Robel Khan, MBA (Final) Nu. Roll No: 186331, Session: 2017-2018,
Department of Finance and Banking, Tejgaon College, Dhaka would like to solemnly
declare here that an project report on “Credit Risk Management Systems of One Bank
Limited” has been prepared by me. While preparing this report, I didn’t breach any
copyright act intentionally. I’m further declaring that, I didn’t submit this report
anywhere for any degree, diploma or certificate.
It is also mentioned that this report has not been submitted for any other Degree/Diploma.
______________________
Md. Robel Khan
MBA (Final)
Roll No: 186331
Session: 2017-2018
Department of Finance and Banking
Tejgaon College, Dhaka.
ii
Supervisor’s Certifications
This to be certify that the Term paper on “Credit Risk Management Systems of One
Bank Limited” a guideline report as knowledge which is carried out by Md. Robel
Khan, MBA (Final): College Roll: 186331, Session: 2017-2018, Department of Finance
and Banking, Tejgaon College, Dhaka as a partial fulfillment of the requirement of
Masters of Business Administration MBA (Final).
This report has been prepared under my guidance and is a record of the genuine work
carried successfully.
........................................
Sabir Amin Reza
Associate Professor
Department of Finance and Banking
Tejgaon College, Dhaka.
iii
Acknowledgement
First of all thanks to The Almighty Allah for enabling me to complete this Term Paper.
Then I would like to convey my appreciation to honorable Sir Sabir Amin Reza,
Associate Professor, Department of Finance and Banking, Tejgaon College, Dhaka. for
her proper guidance, inspiration and logical help. Without his help it would have not been
possible for me to furnish this term paper completely.
This term paper is the outcome of the contribution and sincere cooperation of different
persons. For the fear of sounding like a vote of thanks speech, I could not possibly thank
all of those marvelous people who have contributed something of them directly or
indirectly in preparing this term paper successfully. They are of course some very special
cooperation and encouragement.
Finally, I would like to thank all of my friends for support to complete this term paper.
___________________________
Md. Robel Khan
MBA (Final)
Roll No: 186331
Session: 2017-2018
Department of Finance and Banking
Tejgaon College, Dhaka.
iv
Executive Summary
The internship report is based on the credit risk management process of One Bank
Limited, Origin of the Study, Scope of the Study, Objectives of the Study,
Methodology, and Limitations of the Study. The main objective of this report is to
present an overview of credit risk management activities of One Bank Limited.
Primary sources of data are discussion with the officers and staffs and work
experience in different desk. The secondary data is collected from the annual report,
different text books and several web pages. The scope of this report is limited to the
credit risk management activities.
The overview of One Bank Limited. is given in this report. It covers the origin of the
bank, organizational profile and present situation of the bank. The bank is established
in 1999. The bank has various products and services for its customers. It has a huge
number of clients for different types of products. One Bank Limited also have many
local branches. The products and services OBL are also discussed. The values and
philosophies of the bank are discussed in brief too.
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Table of Contents
Title Page Number
Chapter-01: Introduction
1.1 Origin of the Study
1.2 Scope of the Study
1.3 Objectives of the Study
1.4 Methodology
1.5 Limitations of the Study
Chapter-02: Overview of the Organization
2.1 Company Profile of ONE Bank Limited
2.2 Third Generation Private Commercial Bank
2.3 Vision Statement
2.4 Mission Statement
2.5 Core Values of ONE Bank Ltd:
2.6 Corporate Slogan:
2.7 Short Profile: Table
2.8 Organograms
2.9 Branch Location
2.10 Achievements of the Bank
2.11 Objective of One Bank Limited
2.12 Products of One Bank Limited
Chapter-03: Database
3.1 Definition of Credit
3.2 What Is Credit Risk?
3.3 Data Collection
3.4 Data Analysis
3.5 Sampling Method:
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Chapter-04: Findings of the Study
4.1 Credit Management
4.2 Objectives of Credit Management
4.3 Guidelines by Bangladesh Bank
4.4 Credit Processing/Appraisal: The appraisal criteria will focus
on:
4.5 Credit-approval/Sanction:
4.6 Credit Documentation:
4.7 Credit Administration
4.8 Disbursement:
4.9 Total Loans & Advances:
4.10 Sector wise Loans Disbursement:
4.11 Credit to Deposit Ratio:
Chapter-05: Findings, Recommendations and Conclusions
5.1 Findings
5.2 Recommendations:
5.3 Conclusion:
Bibliography
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