Acknowledgement iv-v Table of Contents vi-ix Acronyms x Chapter Two : Introduction 1-4 1.1 Background of the e!ort " 1." #b$ectives of the e!ort " 1.% ðodology of the e!ort " 1.' Limitations of the (tudy ) 1.* #rgani+ation of the e!ort % Chapter Two : Overview of the Bank & Branch 5-16 ".1 Background information * "." &ain ,unctions * ".) Cor!orate (trategy - ".% #rgani+ational .oals - ".' #rgani+ational (tructure - ".* esources and Ca!abilities / ".- &onerary0 ,inancial esources 11 ".2 3uman esources 11 "./ 4rogress at a glance 1" ".11 Brief descri!tion of &ir!ur Branch 1' ".11 4erformance of &ir!ur Branch 1* Chapter Three : Loans & dvances !epart"ent 1#-45 ).1 5ntroduction 1/ )." Credit !olicy of BA(5C Bank Limited "1 ).) Loans and Advances offered by BA(5C Bank with little elaboration "* ).% .eneral !rocedure for loans 6 advances "- ).%.1 ,irst 5nformation (heet "- ).%." A!!lication for Credit Line "2 ).%.) Collecting C5B re!ort from Bangladesh Bank "2 ).%.% &aking credit line !ro!osal )1 ).%.' 4ro$ect a!!raisal )1 Techni7ues of !ro$ect a!!raisal )1 Technical 8iability )1 Commercial 8iability )" ,inancial 8iability )" 9conomic 8iability )* ).%.* A!!roval of 3ead #ffice )* ).%.- (anction Letter )- ).%.2 :ocumentation )- &odes of charging securities )2 Common documents )/ Category wise other documents )/ ).%./ :isbursement %" ).%.11 ,ollow u! %" ).%.11 ecovery %" Loan classification %) 4rovision %% Legal framework %% ).' .uarantee %% Bid bond guarantee %% 4erformance .uarantee %% Advance 4ayment .uarantee %' Chapter $our : %enera& Bankin' !epart"ent 46-(6 %.1 5ntroduction %- 4)1 ccounts Openin' *ection 4( %.1.1 Ty!es of Accounts with Terms 6 Conditions %- (avings Bank Account %2 Current Account %2 (ort Term :e!osit ;(T:< Account %/ %.1." Common formalities re7uired for every account '1 %.1.) :ocuments re7uired for each Account se!arately '1 %.1.% 5ssuing Che7ue book '" %.1.' Account 9n7uiry ') %.1.* Transfer of Account ') %.1.- Closing of Account ') 4)+ $!, and nci&&ar- *ervices *ection 54 %.".1 ,ixed :e!osit ecei!t ;,:< '% %."." (anchay!atra '* %.".) Locker (ervice '- 4). Loca& ,e"ittance *ection 5# %.).1 4ay #rder ;4#< '2 %.)." :emand :raft ;::< *1 %.).) Telegra!hic Transfer ;TT< *) %.).% Call :e!osit ecei!t ;C:< *' 4)4 Co&&ection and C&earin' 66 %.%.1 Collection ** eceiving checks for collection *- Ty!es of bills for collection *- A. #utward bills for collection *- B. 5nwards bills for collection */ %.%." Clearing -1 Ty!es of checks for clearing -1 A. 5nward Clearing Bills -1 B. #utward Clearing Bills -1 4)5 Cash *ection (+ %.'.1 Cash ecei!t -" %.'." Cash 4ayment -) 4)6 ccounts *ection (5 %.*.1 :etails of (tatements -' Chapter $ive : $orei'n /0chan'e !epart"ent ((-111 5ntroduction -2 Background of Bank=s involvement -2 '.1 I"port *ection -/-/1 '.1.1 Letter of Credit -/ Ty!es of L0C -/ 4arties to L0C -/ >ecessity of L0C for 5m!orting goods 21 '.1." 5m!ort 4rocedure 21 '.1.) 5m!ort &echanism 21 '.1.% 5m!orters A!!lication for L0C Limit 21 '.1.' L0C A!!lication 2" '.1.* (crutiny of L0C A!!lication 2" '.1.- Amendment of L0C 2% '.1.2 Advising the im!ort L0C 2' '.1./ Adding Confirmation 2' '.1.11 4resentation of :ocuments 2* '.1.11 (crutiny of :ocuments 2* '.1.1" Lodgment of :ocuments 22 '.1.1) etirement of the :ocuments 2/ '.1.1% 4ayment 4rocedure of 5m!ort :ocuments 2/ '.1.1' Loan Against Trust ecei!t /1 5)+ /0port *ection 21-111 5)+)1 Back to Back L3C 21 '.".1.1 :ocuments e7uired for #!ening a Back to Back L0C /" '.".1." ?ey check !oints in &aster L0C /" '.".1.) 4ayment of Back to Back L0C /) '.".1.% e!orting to Bangladesh Bank /% 5)+)+ /0port Letter of Credit 24 '.".".1 ,ormalities re7uired for 9x!ort L0C /' '."."." 4rocedure for ,:B4 /- '.".".) ,oreign :ocumentary Bills for collection /- '.".".% 5nland L0C /2 '.".".' &odes of 4ayment of 9x!ort Bills // '.".".* Advising L0C 111 '.".".- Test ?ey Arrangement 111 Chapter *i0 : Internationa& !epart"ent 111-116 5ntroduction 11" #rganogram of 5: 11" '.1 9xchange ate in ,oreign 9xchange Transactions 11" '.1.1 (@5,T #!eration in BA(5C Bank Limited 11' Chapter *even : Conc&usion 11(-# Conclusion 112 Bi4&io'raph-
List of Ta4&es Ta4&e no) Tit&e 5a'e Ta4&e 6o) Title 4age 1)1 (howing Aob otation during orientation !eriod ) +)1 (howing !rogress at a glance 1" +)+ #ut-standing !osition of loans 6 advances of BA(5C 1) +). Bear wise !osition of classified advance 1% +)4 4erformance of &ir!ur Branch 1* +)5 :e!osit mix of &ir!ur Branch 1* +)6 Branch=s foreign exchange !osition 1* +)( #ut-standing !osition of loans 6 advances of &ir!ur Branch 1- .)1 (howing loans 6 Advances offered by BA(5C Bank ltd. ") .)+ (howing different ty!es of Lending offered by BA(5C with revised interest rate "' .). ,inancial ratio wise normal standard values )% .)4 Category wise loan classification %) 4)1 9xercise duties a!!licable for all kinds of de!osits ') 4)+ 4re-mature encashment of ,: '* 4). :ifferent ty!es of shanchay!atras '- 4)4 Locker service at a glance '2 4)5 (howing different ty!es of statements !re!ared by the Br. -' 5)1 (howing accounting treatment the time of L0C o!ening 2% List of Charts $i'ure 6o) Tit&e 5a'e $i'ure 1)1 :uration of works in different de!artments ) $i'ure 6)1 Com!arison of BA(5C Bank in 1/// and "111 2/ $i'ure 6)+ Bearwise 4osition of Classified Advance of BA(5C Bank Limited. 2/