Table of Contents

Topics Particulars Page No.

Letter of Transmittal I
Acknowledgement II
Executive Summary III
Student’s Declaration IV
Supervisor’s Certificate V
Chapter: 1
INTRODUCTION
1.1 Origin of the Term paper 1
1.2 Rationale of the Study 1
1.3 Objectives of the Term paper 1
1.4 Methodology 2
1.5 Data Analysis tool: 2
1.6 Limitations 2
Chapter: 2
LITERATURE REVIEW
2.1 The Credit Risk of Banks 3
2.2 General Principles of Sound Credit Risk Management in Banking 4
2.3 Credit Risk Measurement 5
2.4 Credit Risk Mitigation and Transfer 5
Chapter: 3
OVERVIEW OF THE PREMIER BANK LIMITED
3.1: About Premier bank limited: 7
3.2: Historical starting 7

3.3: Corporate mission 7

3.4: Corporate vision 7
3.5: Objective of the bank 7
3.6: Values of the bank 8
3.7. An over view of Premier bank ltd. 8
3.8: Products & services offered 9
3.9: Organizational structure of Premier bank ltd. 10
3.10: Name & present place of posting of Managing Director, Deputy 11
Managing Director & General Manager of Premier Bank Limited:

Chapter: 4
LOAN MANAGEMENT OF PREMIER BANK LIMITED

4.1: Loan management 13

4.2: Credit 13
4.3: Principles of Credit: 13
4.4: Loans and advances of Premier bank 13
4.5: Guidelines followed by Premier bank ltd. 14
4.6: Loan products 14
4.7: Current interest rates: 15
4.8: Loan disbursement procedure of Premier bank ltd. 15
4.9 Calculation of interest on classified advances 16

Chapter: 5
RECOVERY PROCEDURE OF INVESTMENT

5.1: Principles of sound lending 18

5.2: Diversification if risks 18
5.3: Loan classification 18
5.4: Discouraged sectors of investment 19
5.5: Loan monitoring 20

Chapter: 6
ANALYSIS PART
6.1: SWOT Analysis: 21
6.2: Distribution of Loan and Advance: 22
6.3: Rural Credit, Micro Enterprise and Special Program Financing: 24
6.4: Geographical Area wise- Loan and Advance: 25
6.5: SME Financing Scheme: 26
6.6: Industrial Credit: 26
 Chapter: 7
Findings , Recommendations & Conclusion
7.1: Problems in loan recovery 27
7.2: Recovery programs that should be taken by Premier bank ltd. 29

Conclusion 30
Recommendations 31

Bibliography 32

Appendix 33
Abbreviations

TBL = Trust Bank Limited

ATM = Automatic Teller Machine
SOD = Secured Over Draft
PAD = Payment against Documents
LTR = Letter of Trust Receipts
IBP = Inland Bill Purchase
FDBP = Foreign Document Bill Purchase
LDBP = Local Document Bill Purchase
CDS = Consumer Durable Scheme
HBL = House Building Loan
NCB = Nationalized Commercial Bank
FCB = Foreign Commercial Bank
PCB = Private Commercial Bank
A/C = Account
BB = Bangladesh Bank
CEO = Chief Executive Officer
DMD = Deputy Managing Director
SO = Senior Officer
PO = Principal Officer
SPO = Senior Principal Officer
NPA = Non Payable Account
FDR = Fixed Deposit Receipt
CIB = Credit Information Bureau