PLAGIARISM SCAN REPORT

Words 211 Date April 08,2019

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• The credit risk management of Janata Bank Limited includes credit processing, approval, securities and
documentation, disbursement, credit classification and credit recovery. The bank has a sound credit policy. The
bank’s credit procedure, credit operation is started from the customer application to the branch for the loan. The
credit application is approved by the head of credit or in some cases directors of the bank. The bank as collateral
maintains goods and commodities, valuable assets, stock exchange securities, real estates, FDR etc. The bank also
preserves important documents against the loan sanctioned by the bank. In the disbursement process once the
credit is approved, the customer is advised of the terms and conditions of the credit via a letter of offer. The letter is
duly signed from the borrower and preserved as a document in the branch of the bank. In collecting the loan from
the borrower, the bank follows a particular process. If needed the bank give legal notice to the borrower. Sometimes
the bank sells the collateral of the loan with due process. Any types of loans become classified when it cannot be
recovered within certain stipulated time that is governed by some respective laws. In this regard the credit is
classified as per the rules of Bangladesh Bank.
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