Table of Contents:

Page Chapter 1: BACKGROUD OF THE STUDY 1.1 Scene behind the study 1.2 Objective of the Study 5 1.3 Importance of the Report 1.4 Methodology of the Study 1.5 Scope of the study 1.6 Limitations of the Study Chapter 2: ORIENTATION OF THE ORGANZATION 2.1 History 2.2 Mission Statement 2.3 Composition of the Board 2.4 Management Committee 2.5 Organizational Hiererchy 2.6 Capital & Reserves 2.7 Functional Department 2.8 Risk Management 2.9 Joint Ventures Abroad 2.10 Products and Services of IFIC Bank 2.11 Strength and Performance of IFIC Bank 2.12 Technology 2.13 Human Resource Development 2.14 Milestones in the Development of IFIC Bank Chapter 3: OVERVIEW OF THE BRANCH 3.1 Agrabad branch: At a glance 3.2 List of Executives/ Officers 23 3.3 Line of Products in Agrabad Branch 3.4 SWOT analysis Chapter 4: OVERALL BANKING PRACTICES 4.1.1 Introduction 31 4.1.2 Defferent department of GB 24 25 2 5 6 7 7 9 10 11 12 13 15 16 16 17 18 18 19 19 20 22

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4.1.3 Defferent types of A/C 32 4.1.4 Account Opening process 33 34 35 4.1.7 Transfer of an Account 36 4.1.8 Closing Procedure of an A/C 4.1.9 Issue & Encashment of certificates 4.1.10 Issuence of Cheque 4.1.11 Receiving of Cheque 4.1.12 Receiving of Instruments 4.1.13 Local Remittance 4.1.14 WED Bond 4.1.15 FDR 4.1.16 Cash Section 4.1.17 Accounts Section 4.1.19 Task of Clearing Department CREDIT & ADVANCE 4.2.1 Introduction 4.2.2 Source of Fund of Lending 4.2.3 General principal of good lending 4.2.4 General criteria for selecting borrower 53 4.2.5 Creation of charge on security 4.2.6 Loan 55 4.2.7 Getting credit information 4.2.8 Existing process of handling loan 4.2.9 Information collection 4.2.10 Documentation 4.2.11 Proposal analysis 4.2.12 Collateral evaluation 4.2.13 Overdraft 4.2.14 Loan FOREIGN EXCHANGE 55 56 57 57 58 58 59 61 Processing of 54 Loan 37 37 38 39 39 44 46 48 49 50 52 52 53 53 4.1.5 Target Customer of IFIC Bank 34 4.1.6 Document require A/C opening

Introduction 4.3.2 Import operation 65 4.3.3 Import Categories 66 4.3.4 Procedure of Opening L/C 4.3.5 Lodgment of import bill 4.3.6 Export orientation. 4.3.7 Back to back L/C 4.3.8 Opening of FC A/C Chapter 5: FINDINGS Chapter 6: PROBLEM & RECOMMENDATION CONCLUSION

4.3.1 65

Introduction

66 70 70 71 73 75 78 80