LONE MANAGEMENT OF STANDERD BANK LIMITED(SBL). (CASE STUDY OF JESSORE BRANCE.

The term paper submitted to the department of Accounting Upashahar Mahila College, Jessore in partial fulfillment of the requirement for the Bachelor of Business Administration (BBA)program in Accounting 2012. Supervised By MD.Asaduzzaman Associates Professor Department of Accounting Upashahar Mahila Collage, Jessore. Submitted By Nusrat Jahan BBA (Hons) 2nd Year Class Roll-2533 Examination Roll-9580891 Registration No.-1517654 Session: 2009-2010 Department of Accounting Upashahar Mahila Collage, Jessore.

Department of Accounting Upashahar Mahila College, Jessore.

DEDICATED TO MY BELOVED PARENTS.

ACCEPTANCE LETTER
This is to certify that Nusrat Jahan, a student of BBA 2012, bearing Examination Roll-9580891, Class Roll-2533,has completed her Term Paper in Standard Bank Limited, Jessore branch, successfully. Her Term Paper has been accepted.

MD. Asaduzzaman Associate Professor Department of Accounting Upashahar Mahila College, Jessore.

PREFACE
Books are the principle source of knowledge my study. My knowledge is not effective and productive without training. In other world training is a process that involves acquiring skills or learning concept too increase the performance. The economy of Bangladesh is basically bank based and the competitions and services in the banking business have dramatically changed in the last decade with the globalization. So, to acquire practical knowledge about banking business the term paper program for us as partial fulfillment on academic curriculum, for this purpose I am assigned to study in Standard Bank Limited (SBL) Of Jessore Branch about the present status of Loan Management of Standard Bank Limited (SBL). I have participated in a 4 weeks Term paper Program from 10/12/2012 to 10/01/2013.I have to complete my program within a short period of time. 28 days Term paper Program is not sufficient to acquire a complete knowledge about Loan Management. So, there are some limitations in my study.

Nusrat Jahan B.B.A (2nd Year) Department of Accounting Upashahar Mahila College, Jessore.

ACNOWLEDGEMENT
First I foremast I am grateful to almighty Allah, for giving me patience, strength and ability to perform this work. I would like to express my grateful thanks to my supervisor Md. Asaduzzaman, Associates Professor and Head of Department of Accounting, Upashahar Mahila Collage, Jessore, for his kind co-operation, scholastic guidance and content encouragement through out the work. I am thankful the Manager of Standard Bank Limited, Jessore Branch, for giving me opportunity to my term paper program in his Branch. I am also thankful to all the officers and staffs of Standard Bank Limited, Jessore Branch, for their cordial co-operation and constructive suggestion.

Yours obedient Nusrat Jahan BBA (Hons) 2nd Year Session: 2009-2010 Examination Roll-9580891 Department of Accounting Upashahar Mahila Collage, Jessore.

CONTENT
Chapter # 1
Introduction:
1.1 Definition of Loan 1.2 Types of Loan 1.3 Objectives of Loan 1.4 Definition of Loan Management 1.5 Kinds of Loan Management 1.6 Interest Rate of Loan 1.7 Securities of Loans

Page No. 1-4

Chapter # 2
Conceptual Issues:
2.1 Standard Bank Limited at a glance(SBL) 2.2 Objective Of Standard Bank Limited(SBL) 2.3 Risk Management of Standard Bank Limited(SBL) 2.4 Graphical presentation of Shareholders Information. 2.5 Pattern of Shareholdings as at 31st December, 2011. 2.6 Loan and Advance of Standard Bank Limited(SBL)

4-12

Chapter # 3
Database:
3.1 Scope of Application 3.2 Capital Structure

13-16

Chapter # 4
About The Loan Activities of this Bank (SBL):
4.1 Analysis of Loan sanction and Graphical Presentation 4.2 Loan sanction activities 4.3 Recovery 4.4 Legal Actions Taken for Recovery Loan 4.5 The Amount of Loan Disbursement of SBL, Branch Office,Jessore.

16-29

4.6 Policy of Loan Recovery 4.7 The amount of Loan Recovery of SBL, Branch Office, Jessore. 4.8 Non-Recovered Loan. 4.9 The amount of non-recovered Not due and over due loan 4.10 Loan & Advances (SBL) 4.11 Valuation of Assets (SBL)

CHAPTER # 5
Conclusion

30