Executive Summary:

Banking system of Bangladesh has through three phases of development Nationalization,

Privatization and lastly Financial Sector Reform. IFIC Bank Limited has started its journey as a
private commercial bank on June 24, 1943.

The whole working process of Pallabi Branch, IFIC Bank is divided into three sectors- 1)
General Banking Section, 2) Credit Section, 3) Foreign Exchange Section. I was assigned on
credit section so, my term paper is based on credit or loan related.

General banking is the starting point of all the operations. It is the department, which provides
day-to-day services to the customers. It opens new accounts, remit funds, issue bank drafts & pay
order etc. provide customer through quick & sincere service is the goal of the general banking
department.

Foreign exchange department plays significant roles through providing different sorts of L/C
services Like L/C opening, quicker delivery of goods L/C through SWIFT to the advising bank.

Bank credit is an important means for bringing about economic development in a country. IFIC
Bank Limited, being one of the private commercial bank of the private commercial bank of the
country has some prejudice to finance directly on priority basis to agriculture, industry &
commercial sector. It also concentrate on consumer loan. Hence, it is very clear that IFIC Bank
plays an important role to move the economic wheel of the country.
 Table of Contents

Particulars Page No.

Chapter –One: Introduction 01-04
1.0 Introduction
1.1 Introduction
1.2 Objective of the term paper
1.3 Scope of the term paper
1.4 Methodology of data collection
1.5 Limitations of the study
Chapter –Two: Conceptual Issues 05-08
2.0 ORGANIZATIONAL PART
2.1 Historical background of IFIC Bank in Bangladesh
2.2 Objectives of the IFIC Bank Limited
2.3Organizational Part
2.4 Network of the Branches of IFIC Bank
2.5 Credit Rating of IFIC BANK :
Chapter-3 Database 09-11
3.0 LOANS AND ASVANCES
3.1 Loans and Advances
3.2 Lending Principles following by IFIC Bank
3.3 Types of loan and advance of IFIC Bank :
3.4 Loan Products of IFIC Bank
Chapter-4 Findings of the Study 12-23
Chapter-5 Conclusion 24-26
5.0 FINDINGS, RECOMMENDATIONS AND CONCULATION
5.1 Findings
5.2 Recommendation
5.3 Consolation
APPENDIX 27
BIBLIOGRAPHY 27
REFERENCES 28