CONTENTS

CHAPTER ONE
INTRODUCTION
1.1 Introduction.........................................................................................................
2
1.2 Objective of the study........................................................................................2
1.3 Scope of the Study.............................................................................................3
1.4 Methodology.....................................................................................................3
1.5 Limitations of the Study....................................................................................4

CHAPTER TWO
AN OVERVIEW OF RAJSHAHI KRISHI UNNAYAN BANK

2.1 Rajshahi Krishi Unnayan Bank.........................................................................7

2.2 Background of Rajshahi Krishi Unnayan Bank (RAKUB) ...............................7
2.3 Objectives of RAKUB ......................................................................................8
2.4 Management......................................................................................................9
2.5 Capital and its sources.......................................................................................9
2.6 Functions of RAKUB........................................................................................9
2.7 Organizational structure ...................................................................................9
2.8 RAKUB at a Glance .......................................................................................12
2.9 Organizational set up.......................................................................................13
2.10 Training Institute...........................................................................................14
2.11 0ffice automation...........................................................................................14
2.12 Poverty alleviation credit programs...............................................................14
2.13 Employee Summary of Rajshahi Krishi Unnayan Bank:...............................15
2.14 Financial Incentives for Loan Recovery............................................................16
 CHAPTER THREE
FUNCTIONAL ACTIVITIES OF RAJSHAHI KRISHI UNNAYAN BANK
MOUGACHI BRANCH
3.1 Location........................................................................................................... 18
3.2 RAKUB, Mougachi Branch at a glance: .........................................................18
3.3 Functions of Mougachi Branch.......................................................................19
3.4 Services given to customers by Mougachi Branch..........................................19
3.5 Procedure to open an Account at Mougachi Branch:.......................................23
3.6 Procedure to close an Account........................................................................24
3.7 When bank close an Account..........................................................................24
3.8 Organizational structure of Mougachi Branch ...............................................25

CHAPTER FOUR
LOANS AND ADVANCES

4.1 Types of Loan and Payment Period ................................................................27

4.2 Main Credit Portfolio of RAKUB Mougachi Branch, Rajshahi......................29
4.3 Rate of Interest on Various Loans...................................................................29
4.4 Loan Handing Diagram...................................................................................30
4.5 Selection of Loanees........................................................................................33
CHAPTER FIVE
LOAN DISBURSEMENT
5.1 Loan Sanction Procedure.................................................................................35
5.2 Loan handling diagram....................................................................................36
5.3 Qualification of loanee:...................................................................................37
5.4 Documentation:...............................................................................................37
5.5 Security:..........................................................................................................37
5.6 Loan Supervision and Monitory:.....................................................................38
5.7 Loan disbursement Scenario, Mougachi Branch, Rajshahi of RAKUB ..........40
5.8 Loan disbursement for 2014-2015. .............................................................................41
5.9 Loan disbursement of 2015-2016................................................................................43
5.10 Loan disbursement for 2016-2017.............................................................................44
5.11 Loan disbursement for 2017-2018.............................................................................45
5.12 Loan disbursement for 2018-2019.............................................................................47

CHAPTER SIX
LOAN RECOVERY PROCEDURE

6.1 Identification Unclassified loan, and Classified loan. .....................................50

6.2 Procedure of loan recovery: ............................................................................51

CHAPTER SEVEN
FINDINGS, RECOMMENDATIONS & CONCLUSIONS

7.1 Findings...........................................................................................................56
7.2 Recommendations...........................................................................................57
7.3 Conclusions.....................................................................................................58
BIBLIOGRAPHY...............................................................................................59