“Credit Management and General Banking Activities” of Southeast Bank Ltd.
Hossain, Md. Iqbal
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Southeast Bank Limited is one of renowned, profitable and modern private banking financial institution of Bangladesh with vision to become a premier financial institution and contribute to the economy. The report is originated in result of my internship programme which I have done as a requirement of BBA program .This report is completed based on my three months internship in Southeast Bank Limited. That contains the real life day to day working experience of different tasks in Credit and GB dept. of Southeast Bank Ltd., Sarulia branch. The objective of this study is to analyze the credit policy and general banking activities, client’s perception towards the performance of SEBL, financial performance regarding credit and GB. To prepare this report both primary and secondary sources of data have been used. Apart from this, a questionnaire has been made and did a survey on 25 regular clients. This report contains six chapters. First chapter deals with introduction, mission and vision, objective, scope, methodology and limitations of the report. Next three chapters contain analysis of credit management and general banking activities and SWOT analysis. The remaining chapters consist of findings, recommendations and conclusion. I was assigned it in the Sarulia Branch of Southeast Bank Ltd. I present the report on the basis of knowledge and experience gained during the working period To serve the nation Southeast bank performs some activities for their clients like general banking, loan and advance, capital market operation etc. Bank collects deposit from public and provides it to other business or individual as loan. Bank pays interest to deposit holder and take interest from borrowers. Southeast bank measure all risk components before sanctioning a loan. When all the formalities completed then respective officer disburse the loan. After disburse the loan it is duty of bank to recover the disbursed loan. The overall credit management of SEBL has analyzed to give a clean idea about the policy of SEBL and implementation of that policy by various mechanism and process. After completion of analysis, it is found that SEBL’s loan processing time is quite lengthy & service charge is quite high. Bank’s credit to deposit ratio is increasing from previous year. That means bank can invest properly and utilize more funds to maximize their profit. Finally, it can say that honesty, reliability, thoroughness and willingness to be open to new ideas and new ways of meeting customer needs are most important for success. But General Banking Activities of SEBL’s is too much fast. All officers are too much sincere about their duty that’s why day by day increasing SEBL’s customer. Especially customer relationship officer is too much amicable with their customer. After all, all customers are satisfied for SEBL’s service.
- Journal of law