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Final Presentation of Romana
Final Presentation of Romana
PRESENTATION
Presentation
On
Comparative Study Between Various Deposit and
Loan Schemes of Premier Bank Limited
Presented By:
Romana Kajal Rima
ID: 2161011110
Batch: 39th (C)
Major: Finance
Program: BBA
School of Business, Uttara University
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Introduction
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Objectives of the Study
Broad objective
To make a Comparative Study Between Deposit and Lending
products of Premier Bank Limited
Specific objectives
To know the deposit products
To know about the lending products
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Limitations of the Study
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Company Profile
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Company Profile Continue
Vision
The Bank has a clear vision towards its ultimate destiny-to be
the best amongst the top financial institutions
Mission
To be the most caring and customer friendly provider of financial
services, creating opportunities for more people in more places
To ensure stability and sound growth whilst enhancing the value of
shareholders investments
To ensure high level of transparency and ethical standards in all
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Analysis
Objective-1:
Deposit Products
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Analysis Continue
2. Fixed Deposit receipt(FDR):
Tenor Deposit(Amount) Interest Rate
1 Month Any Amount 3.50%
2 Months Any Amount 3.75%
3 Months Any Amount 6.00%
4 Months Any Amount 7.50%
6 Months Any Amount 7.50%
12 Months Any Amount 8.00%
13 Months Any Amount 8.25%
25 Months Any Amount 8.50%
36 Months Any Amount 5.50%
100 Days 5 Lac 9.00%04/08/2021 10
Analysis Continue
3. Monthly Income Scheme(MIS):
MIS is a monthly income based deposit scheme. Deposit a certain amount at the
opening an earned monthly profit till the tenure completes.
4. Monthly Savings Scheme(MSS):
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Analysis Continue
Objective-2:
Lending Product
1. Auto loan:
Features:
a. Auto Loan for the purchase of brand new and reconditioned
car for private use only.
b. Loan amount ranges from BDT 200,000 to BDT 4,000,000.
c. Repayment period of 12 months up to 72 months.
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Analysis Continue
2. Home loan:
Features:
a. An individual who is service holder or a business person who can avail this loan.
b. Maximum amount will be 1 crore & 20 lacs.
c. Interest rate will be vary from 12% to 15%.
d. Maximum repayment period is 20 years.
e. Security for this types of loan is the property which to be purchased through this
loan.
3. Personal Loan
Our Personal Loan is offered or a valid reason from buying household appliances
to emergency medical needs. Some of these could be: Purchase of Electronic
goods, House/Office Renovation, Advance Rent Payments, Travel Expenses etc.
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Analysis Continue
Objective-3:
SL Type 2018 2017
01 Fixed deposits 104,140.93 86,233.07
02 Savings bank deposits 10,055.47 9082.72
03 Current deposits 8,322.64 8,492.17
04 Other deposits 12,982.52 12,761.25
05 Bill payable 3,378.18 2,093.22
06 Deposit schemes 18905.73 10,686.82
07 Special notice deposits 11,654.30 11,341.23
Total 169,439.78 140,690.47
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Analysis Continue
Composition of Total Deposits
5%
6% 61%
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Analysis Continue
Loans and Advances
160,000.00
120,000.00
80,000.00
40,000.00
0.00
2015 2016 2017 2018
At the end of 2018, credit portfolio of the Bank increased by Taka 21,068.98 million to reach
the total of Taka 156,960.04 million against Taka 135,891.06 million in 2017. The growth
recorded was 15.50 percent over the preceding year. Our loan recovery efforts were successful
and total non-performing loans accounted for 3.99 percent of total loans at the year-end 2018.
Bank's Credit/Deposit ratio was 82.68 percent as of 31st December 2018.
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Findings
To open a new account, the customer should have an introducer.
But sometimes the customer may fail to manage reference for
opening an account. So, in that case, they may sometimes lose
their customer
IT section is weak and sometimes it is hanged, as a result they
Need to be centralized.
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Recommendation
Bank should introduce some financial products which attract
people more. For example, Salary Loan, Car Loan, Teacher
Loan etc.
New branches should be launched is order to get more
customers.
Special emphasis has to give to increase Current Account in
Construction Sector.
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THANK YOU
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