welcome to my presentation

Presented by Hasan Md. Khalid ID:08-11024-2

Supervised By M. Taseen Chowdhury Assistant Professor

A Presentation
On Loan Disbursement and Recovery System Of National Credit and Commerce Bank ( NCCBL)

Company Overview
National Credit and Commerce Bank limited came to reality through

the National Credit limited.

It made its January on 25th November 1985 at its registered office and

first branch at 7-8 Motijheel with initial authorized capital of tk. 30 crores.
It has 87 branches all over the country.

Objective of the Report

To get real life experience from the organization To assess the credit structure of the bank in practice. To identify the recovery performance of the bank. To compare the credit supervision of the bank. To find out problems and suggesting recommendations for further

improvement.

Methodology
Primary sources Face to face conversation with the respective officer. Informal conversion with clients. Exposure on different desk of the bank Secondary sources Annual reports of NCCBL Research paper Official website

Organizational Hierarchy

Products & Services of NCCBL

Deposits Loan & advances Credit card SME banking Remittance services International trade/Foreign exchange Other services (Internet banking, Locker service,etc)

Lending Products of NCCBL

Cash credit (CC) Loan against Investment Housing Loan Project Loan Transport Loan Small Business Loan Scheme House Repairing/Renovation Loan Scheme Commercial and industrial loans Other Loans (farmers, other bank, non bank financial institutions )

Credit Policy of NCCBL

Eligibility to get loan Amount of loan Purpose of lending Where to finance Possibility of recovery loan

General Procedure of Loan Disbursement

Getting Credit Information Information Collection Analyzing These Information Lending Risk Analysis (LRA) Proposal Analysis Final Decision about the Project Proper Supervision of the Project Documentation of the Loan Preparations/Processing of Credit Proposal Credit Disbursement

Interest Rate

Particulars
Cash Credit House loan Fixed Deposit Savings Bank Deposit A/C Small Business Loan 13%

Rate
13% p.a. Up to tk. 50 lac (Maximum) 12% p.a 6.00% - 7.00% 17%

Recovery Procedure of Loan

Reminder Notices Telephone Calls Physical Visit Social Pressures Legal Notice Legal Action

Loans & Related Performance of NCCBL (2007 - 2011)

SWOT Analysis Strength:

Competitive Salary Training institute Efficient management

Weakness: Limited workforce Reluctance to advertisement campaign So many areas in the country are still out of their network

Opportunities:
Huge business area Evaluation of E-Banking

Threats: Political unrest Emergence of competitors Poor telecommunication infrastructure

Recommendation
NCCBL have to more conscious about market study prior to lending

credit and maintain industry related data as well

NCCBL should improve its internal accounting system as well as

encourage business firms to keep financial records as per prevailing standard of accounting.
The NCCBL can encourage investment in small and cottage industry

in rural area.
The NCCBL might take to go for on-line banking system more widely

to its client all over Bangladesh.

 The NCCBL also need to encourage investment in agricultural sector to

stay in competition with other private banks.

Measures should be taken for the NCCBL to create awareness among

the borrowers regarding the importance of credit facilities