Table of Contents

Chapter One BACKGROUND OF THE STUDY Page No

Introduction 1
Objectives of the Report 2
Methodology 2
Data Analysis 2
Scope of the Report 3
Limitation 3-4
Chapter Two OVERVIEW OF MUTUAL TRUST BANK LIMITED
OVERVIEW OF THE ORGANIZATION 4
Vision of MTBL 5
Mission of MTBL 5
Values of MTBL 5
Accountability 6
Agility 6
Trust 6
Overall MTBL Strategic Objectives 6
Group Corporate Structure 7
MTB Products and Services 8
Retail Banking 8-11
Profit and operating result: 11
Deposits 12
Loan and advances 13
Chapter EVALUATION OF LOAN AND DEPOSIT PRICTICE OF
Three
MTBL
Credit Management 14
Loan Portfolio Management in Bank 14
Retail Loan Products 15-22
MTB Interest Rates on Lending 23
Procedure of Sanctioning Project Loan 23
Chapter Four FINDINGS AND ALALYSIS
Analysis ; Literature 24
Total Assets: 24
Summary of Assets in Balance Sheet 25
Loans and Advance by the Bank and Subsidiaries 25-26
Consolidated Statement of Cash Flow 27
 Balance Sheet 28
Analysis of Deposits: 29
Analysis of Loans and Advances: 29
Five Years Graphical Review 30
Findings 30-32
Chapter five CREDIT MANAGEMENT PROBLEM
Problem of Credit Management 33
Chapter six Policy Implication and Conclusion
Recommendation 34
Conclusion 35
Bibliography 36