Credit Risk Management and Green banking Of National Bank Limited: A case study of Lake Circus Branch
Hossain, Md. Alamgir
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BBA is a professional degree. To fulfill this degree Internship course is an associate course which enable the students to gather practical experience where the student wants to make his/her carrier. My internship course was assigned at National Bank Limited, Lake Circus Branch, under the supervision of M. Mokarrom Hossain , Professor, Department of Business Administration, Daffodil International University , Dhaka. My internship was on the overall banking operation of National Bank Limited. So my report title is “Credit Risk Management and Green banking on National Bank Limited”. So to recover the total financial soundness and management skill I have tried to analyze how they are operating their banking system. A company’s main objective is to gain more profit to benefit its stakeholders using a perfect management system. National Bank Limited is not different from them. So my internship report entitled of National Bank Limited refers how the bank drives its banking operation and how it benefits itself and its stakeholders. The report emphasize on the “Credit Risk Management and Green banking on National Bank Limited” highlights the wide range of banking and financial activities to individuals , firms, corporate bodies and other multinational agencies as well as products and services offered by the bank to its customers in order to maintain quality of service. The Bank earned an operating profit of Tk. 8940.60 million in 2010 which was Tk.3397.50 million in 2009 registering a growth of 163.15 percent. Net profit after tax grew by 231.34 percent to Tk.6860.34 million in 2010 after making provision for loan loss and taxation. The major portion of income generated from interest on loans and advances which grew up 37.24 percent to Tk.9,616.14 million in 2010 as compared to Tk.7006.63 million in 2009 due to growth of advances. The income from investment increased sharply by 249.37 percent to Tk. 61216.35 million in 2010 from Tk.1779.31 million in 2009. The bank's total loans and advances in the year 2010 registered an increase by 41.26% to BDT 92003.56 million from BDT 65129.29 million in 2009. National Bank, has now acquired strength and expertise ©Daffodil International University Page x To support the banking needs of the foreign investors. In short this report covers all the basic and functional activities Of National Bank Ltd, (Lake Circus Branch). Form the total period of my internship and after analyzing the data that I got from the Lake Circus Branch, the feedback that I have got that the financial soundness and management skill of National Bank Limited is quite good but no outstanding. The performance of the bank is well in some sectors than the previous year but in some sectors the position of the bank is worsen. Especially at the position of the return to the stakeholders. So the management team and the top level authority and executives of the bank should become concern about the management skillness of the bank which can benefit more and more to its stakeholders. I wish that this report would very helpful for the user.
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