Royal University of Dhaka

Internship Report
On
Credit Evaluation Process in Premier Bank
(A study on B. Baria Branch)

Submitted To:

Dr. Md. Abdul Hakim

Associate Professor
Department of Business Administration
Royal University of Dhaka

Submitted By:

Md. Ashrafur Rahman

ID:15-01-50-0053
Program: BBA
Batch: 2nd
Major in Finance
Department of Business Administration
Royal University of Dhaka

Date of Submission: 22 November 2018

 Letter of Transmittal
Date: 22nd November, 2018

Dr. Md. Abdul Hakim

Associate Professor
Department of Business Administration
Royal University of Dhaka

Subject: Submission of internship report on “Credit Evaluation Process in Premier Bank”

Dear Sir,

Which was assigned to fulfill the requirement of BBA program It has facilitate for me to
acquire knowledge and expertise in request of the “Credit Evaluation Process in Premier
Bank”

I have connected my best efforts to achieve the objective mission of project and hope that I
endeavor shall always purpose. However, I shall always be ready to provide any further
clarification that you may require.

Thanking you,

-------------------------
Md. Ashrafur Rahman
ID:15-01-50-0053
Program: BBA
Batch: 2nd
Major in Finance
Department of Business Administration
Royal University of Dhaka
 Student’s Declaration

I am Md. Ashrafur Rahman, student of BBA program under “Business Administration”,

major in Finance of Royal University of Dhaka do here by declare that the internship work
on “Credit Evaluation Process in Premier Bank” has not been submitted by any one for
any degree, diploma, title, or recognition.

So, I hereby declare that the submitted project paper is true to the best of my knowledge.

Your sincerely,

------------------------

Md. Ashrafur Rahman

ID:15-01-50-0053
Program: BBA
Batch: 2nd
Major in Finance
Department of Business Administration
Royal University of Dhaka
\
 Letter of Authorization
The Internship Report entitled “Credit Evaluation Process in Premier Bank” has been
submitted to the office of the Chairman in partial fulfillment of the requirements for the
degree of Business Administration, Major in Finance, Department of Business
Administration, Royal University of Dhaka, on by Md. Ashrafur Rahman, ID:15-01-50-
0053, The report has been accepted and may be presented to the Internship Defense
Committee for evaluation.

(Any opinions, suggestions made in this report are entirely that of the author of the report.
The University does not condone nor reject any of these opinions or suggestions)

-------------------------------

Dr. Md. Abdul Hakim

Associate Professor
Department of Business Administration
Royal University of Dhaka
 Acknowledgement

First of all, I would like to express my gratitude to Universal and almighty Allah, Who enables me to
accomplish the Internship Report successfully with in a dedicated time farm.

I have the immense pleasure and satisfaction to write a few words on the eve of submitting the report
on Internship Report that I have been assigned by my supervision Dr. Md. Abdul Hakim,
Associate Professor, Department of Business Administration, Royal University of Dhaka.

It would be unwise on the part of me if I don’t acknowledge the superb support of all the
officers, especially of all the officers, especially those with whom I worked. In this
connection I must name Md. Nasir Uddin. Manager obviously friendly manager Airin Akter
Credit in-charge.

I must mention the excellent working environment and the positive group behavior of this
bank, which helped me tremendously, observe the banking activities, work with staffs and
stay long for three months without hesitation.

However. To my best, I tried very hard and worked sincerely on this report to make an
informative one. At least my sincere apology goes to the readers for my conceptual and
printing mistakes, if there is any.
 Table of Contents
Contents Page No.

CHAPTER-1: INTRODUCTION 01-04

CHAPTER 2: OVERVIEW OF THE PREMIER BANK LTD 05-06
CHAPTER-3: CREDIT EVALUATION PROCESS IN PREMIER BANK 07-13
CHAPTER-4: CREDIT RISK MANAGEMENT 14-32
CHAPTER-5: RECOMMENDATION & CONCLUSION 33-34
References 35