Report on Premier Bank-1

Internship Report

On









“Critical Analysis of Credit Approval Process in Premier Bank”












Date of Submission: 28th January 2008



Internship Report On:
“Critical Analysis of Credit Approval Process in Premier Bank”



Prepared for:
Mr. Abu-Zahid Zaglul Pasha
Chairman
Department of Business Administration
Mohammadpur Central University College.

Prepared by:
Rasel Babu
ID # 05-015
Program: BBA

Department of Business Administration
Mohammadpur Central University College
Noorjahan Road, Mohammadpur
Dhaka.


Date of Submission: 28th January 2008




7th January, 2009
To,
Md.Zahir Uddin Arif
Course instructor,
City University, Bangladesh.


Subject: submission of business strategy for case study on Pepsi Cola.

Dear Sir,
It is our pleasure to submit the report on business strategy of soft drinks: A case study on Pepsi which has been prepared as a partial fulfillment of business strategy course. We have tied our level best to follow the guidelines that you have provided. The whole analysis of this case study program enabled us to get an insight into the real life situation.


We will be always available for answering any quires on the paper. We hope you will consider the mistakes that may take placed incase in the study in spite of our best effort.

Thank You

Sincerely Yours



__________________
Md. Anisur Rahman


Chapter: 01
Company Profile










1.0 The Premier Bank Limited- At a Glance:

The banks play an important role in the economy of the country. After liberation expects the foreign banks all banks were nationalized. These banks were merged and grouped into six commercial banks. Of the total six commercial banks Uttara and Pubali were transferred to private bank on 1985. The financial system of Bangladesh consists of Bangladesh bank (BB) as the central bank, 4 nationalized commercial banks (NCB’s), 5 government own specialized banks, 30 domestic private, 10 foreign banks and 28 non-bank financial institutions are existing in our economy.


1.1 Profile of the Premier Bank Ltd:

The Premier Bank Limited (PBL) is incorporated in Bangladesh as banking company on 10th June 1999 under Companies Act 1994. Bangladesh Bank, the central bank of Bangladesh, issued banking license on 17th June 1999 under Banking Companies Act.1991. The Head Office of The Premier Bank Limited is located at 42 Kemal Ataturk Avenue, Banani, Dhaka, one of the fast growing commercial and business areas of Dhaka city. Now It is operating with thirty one Branches all over the country. The Premier Bank also incorporated Islamic Banking division along with normal banking facilities to meet the demand of all types’ customers in Bangladesh. The Premier Bank also introduced on line banking facilities to enhance customers’ facilities all over the country. People can draw and deposit money from any part of the country. Visa Credit Card facilities also a fascinating product of PBL. It has both local and international credit facilities for the customers. PBL came in the banking sector in Bangladesh with complete service. It is the most successful and fastest growing third generation in Bangladesh. Service is the first priority for Premier Bank Limited.


1.2 Corporate information:

The Premier Bank Limited is managed by a group of dynamic Board of Directors drawn from different segments. They hold very respectable positions in the society and are from highly successful group of business and Industries in Bangladesh. The bank has a very competent Management Team who has enough knowledge and experience in domestic and international banking. The bank uploads and strictly abides by good corporate governance practices and is subject to the regulatory supervision of Bangladesh bank.

The Authorized Capital of the Bank is: BTD 2000.00 Million
Capital Funds is: BTD 1312.63 Million including
Paid-up Capital is: BTD 557.55 Million

The Capital Adequacy ratio is 10.69% as against required 9%. The bank is full fledged Commercial Bank and licensed by Bangladesh Bank. The bank has a strong capital base, with no insider lending and low non-performing loans (0.43%).

1.3 Board of Directors:

The board of directors of PBL consists of 13(thirteen) directors. The members of the Board of Directors of the Bank hold very respectable positions in the society. They are come from highly successful group of business and industries in Bangladesh. Out 13 members one is from Taiwan. Each members of the board of directors plays an impotent and significant role in the socio-economic domain of the country.




1.4 PBL’s Value:

PBL’s value statement is “Service First’ PBL’s hold the following value:
Strong customers focus and build relationship based on integrity superior service and mutual benefits-
Ø Work as a team to serve the best interest of the group.
Ø Relentless in pursuit of business innovation and improvement and empowerment.
Ø Value and respect people and make decision based on bank interest.
Ø Recognitions and rewards based on performance.
Ø Open and honest communications.
Ø Responsible trust worthy and law abiding in every activity.