“Loan and Advance of Agrani Bank PLC”

Abstract

This report aims to provide knowledge on products, activities and operation of Agrani Bank PLC. Before going to the analysis, it is mandatory to know something about the organization, its core products that it offers to its customers; about the loan & advances, its classifications and the whole of its process starting from loan sanction to recovery and closing of the loan. That's why, first of all, I made an overview of the organization, Agrani Bank PLC, where I had completed my internship program. Here I tried to focus the bank's history of origination, its mission and vision, major departments and business units and major products and services. Then I said something about, the department where I was to perform my job responsibility. Credit department is the next section where I gave my concentration. Here I focused on the terms and conditions of giving loan, enterprise selection criteria and documentation. Then talked about the procedure of loan where I delineated the sanction, disbursement, repayment and closing of loan. After talking about the whole process of loan, I tried to analyze the repayment behavior of borrowers. Then I have chosen eight major variables which have an impact on the recovery rate of loan. That is, these are the variables which may change the repayment behavior of borrowers. I found some significant variable like age, experience and income of the entrepreneurs which might have an impact on repayment of the loan. Finally, I got some findings from the analysis of the repayment behavior of loan borrowers. Then I conclude my report saying some policy implications. vii viii

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