Performance Analysis of Credit Management: A Study on

IFIC Bank Ltd., Chawkbazar Branch, Chittagong.

(THIS INTERNSHIP REPORT IS SUBMITTED FOR THE PARTIAL FULFILLMENT OF THE DEGREE OF MASTERS OF BUSINESS
ADMINISTRATION WITH A MAJOR IN FINANCE & BANKING)

Submitted By:
Mohammed Amir Hossain
Program: RMBA
Matric No: R- 171081
Semester: Autumn 2017
Major In Finance & Banking

Internship Duration: 2 Months

Submission Date: 4th May, 2018

Department of Business Administration

Faculty of Business Studies
International Islamic University Chittagong
Performance Analysis of Credit Management: A study on
IFIC Bank Ltd., Chawkbazar Branch, Chittagong.
(THIS INTERNSHIP REPORT IS SUBMITTED FOR THE PARTIAL FULFILLMENT OF THE DEGREE OF MASTERS OF BUSINESS
ADMINISTRATION WITH A MAJOR IN FINANCE & BANKING)

Submitted By:
Mohammed Amir Hossain
Program: RMBA
Matric No: R- 171081
Semester: Autumn 2017
Major In Finance & Banking

Supervised By:
Mr. Md. Ariful Hoque
Lecturer
Department of Business Administration
IIUC, DBA

Signature of Supervisor

Internship Duration: 2 Months

Submission Date: 4th May, 2018

Department of Business Administration

Faculty of Business Studies
International Islamic University Chittagong
 Letter of Submission

Date: 4th May, 2018

The Convener
MBA internship/ Dissertation/ OCP committee
Department of Business Administration
International Islamic University Chittagong
Subject: Submission of Internship Report

Sir,
Conveying the utmost complement to your position and honor that I would like to
approach you with the following fact for your propitious deliberation that I am very
happy and grateful at this moment of submission of my Internship Report on
“Performance Analysis of Credit Management of IFIC Bank Limited”. In partial
fulfillment of the requirement for RMBA program. I have completed my 2 months
internship at the IFIC Bank Ltd. Branch, Chawkbazar.

I have tried my level best to complete this internship report but this report is not
totally free from mistake due to some limitations. I hope you would accept it with
gracious consideration.
Thank you.
Sincerely yours

Mohammad Amir Hossain

Program: RMBA
Matric No: R - 171081
Semester: Autumn 2017
Major In Finance & Banking
 Acknowledgment

A lot of effort and study has been involved in preparing this report into reality. I would like
to remember the name of Almighty Who has created us and given us knowledge, time and
energy for completing my Internship report on “Performance Analysis of Credit
Management of IFIC Bank Ltd., Chawkbazar Branch”.

Specially, I would like to express heartfelt gratitude to Mr. Md. Ariful Hoque, Lecturer
of International Islamic University Chittagong for his guidelines and feedbacks on the
report procedure. Without their active co-operation the preparation of this report couldn’t
have been completed.

With a great pleasure, I would like to express my deep sense of gratitude to the management
of IFIC Bank Ltd. I would like to express my thanks to A.K.M. Zillur Rahman (FVP) Head
of Branch, Mir Md. Jobayer Habib (Officer), and all employees of IFIC Bank Ltd,
Chawkbazar Branch, who have helped me by contributing their time and providing me with
information related to the topic. I appreciate their consideration.
 Executive Summary

First of all, I wish to express my thanks to the Almighty Allah for giving me the strength
to perform my responsibilities as an intern and complete the report within the stipulated
time.

Internship Report program is the part of fulfillment of RMBA Course. The Program
designed in such a way that the sutdents can compare their theoretical knowledge with
practical ability. In this regard I choose to serve as an intern & completed my internship
program in IFIC Bank Ltd., Chawkbazar Branch. With this I have got the chance to acquire
some experience, which is expected to enlighten my carrer.

The topic is Credit Management of IFIC Bank Ltd, Chawkbazar Branch which has been
prepared on the basis of expereince gathered during the period of internship.

In 1st chapter includes about background of the study, 2nd chapter includes organizational
background of IFIC Bank Ltd. 3rd chapter includes credit disburse process of IFIC Bank
Ltd. Chawkbazar. 4th chapter includes analysis of credit performance analysis of IFIC Bank
Ltd., Chawkbazar Br. and 5th chapter includes findings, recommendations & conclusion.
IFIC Bank Ltd. has introduced a role model in the field of Banking sector in our country.
The bank has successfully made a positive contribution to the economy in my Banlgadesh.
Its profit is gradually increasing. Its play a great role to collecting scattered deposits &
providing investment. The bank ensure quality service to the customer.
 Table of Contents
Serial No. Particulars Page No.

Chapter 1: Background of the Study

1.1 Introduction 02
1.2 Objectives of the Study 02
1.3 Methodology of the Study 02
1.4 Limitations of the Study 03

Chapter 2: Organizational Profile

2.1 Origin of the IFIC Bank Ltd 05
2.2 Capital of the Bank 06
2.3 Corporate vision & mission of IFIC Bank Ltd. 06
2.4 Objectives of IFIC Bank Ltd 06
2.5 Slogan of IFIC Bank Ltd. 06
2.6 Automation in IFIC Bank Ltd. 07
2.7 Functions of the IFIC Bank Ltd. 07
2.8 Operational Network Organogram of IFIC Bank Ltd. 08
2.9 Products and Services of IFIC Bank Ltd. 09-11

Chapter 3: Credit Management Practices of IFIC Bank Ltd., Chawkbazar Br.

3.0 Credit Management 13
3.1 Types of Loans 13-17
3.2 Selection of the Borrower 17-19
3.3 Procedures of Loan Appraisal 19-26
3.4 Recovery Management 26-27

Chapter 4: Analysis of Credit Management Performance of IFIC

Bank Ltd., Chawkbazar Branch
4.1 Introduction 29
4.2 Loans and Services 29
4.3 Loans & Deposit Ratio 30
4.4 Income From Loans & Advances 31
4.5 Credit in Different Sectors 32
4.6 Credit Exposures of IFIC in 2016 33
4.7 Non-Performing Loan Analysis 34
4.8 Credit/Investment Ratio 35
4.9 Loan Recovery of IFIC 46

Chapter 5: Findings, Recommendations, Conclusion

5.1 Summary of the Findings 38
5.2 Recommendations 39
5.3 Conclusion 40
References 41