loan evalution

Table of Content
Details
Letter of Submission
01
Student declaration
02
Supervisor's declaration
03
Preface
04
Executive Summary
05
Chapter 1 :

Introduction

1.1 Introduction
06
1.2. Overview of the bank
07
1.2.1. Mission of the bank
09
1.2.2. Vision of the bank
10
1.2.3. Strategies of DBBL
10
1.2.4. Objectives of DBBL
11
1.3. Objective of the study
11
1.4. Methodology of the study
07
1.5. Scope of the study
12
1.6. Limitations of the study
12
Chapter 2 :

Evaluation of the authorities involved in loan & advance DBBL
14
2.1. Authorities involve in loan and Advance
15
2.1.1. Authorities involved in credit risk management
16
2.2. Credit risk management unit
16
2.2.1. Function of credit officers posted at credit risk management unit
17
2.3. Credit administration unit
18
2.3.1. Objectives
18
2.3.2. Duties and responsibility
18
2.4. Directors
20
2.5. Credit risk officers
21
2.6. Credit involved in the lo
21
2.7. Relationship managers
21
Chapter 3 :

Evaluation of the Loans and Advancement Management policies and Procedures followed by DBBL

23
3.1. Credit policy of DBBL
24
3.1.1. Principles of lending
24
3.1.2. Ability
25
3.1.3. Source of repayment
25
3.1.4. Character and ability of the borrower
26
3.1.5. Purpose of the facility
27
3.1.6. Terms of the facility
28
3.1.7. Safety
29
3.1.8. Information requirements
29

3.1.9. Types/nature of advances and loan DBBL
30
3.1.10. Continuing advances
33
3.1.11. Brief particulars of loans & advances

3.2. Processing of credit proposals
37
3.2.1. Credit reports
39
3.2.2. CIB report
39
3.2.3. Visiting client
40
3.2.4. Post sanctions process
43
3.2.5. Disbursement
44
3.2.6. Monitor/control of credit operations
45
3.3. Renewal of limits
46
3.3.1. Recovery of advances
46
3.3.2. Accounting procedures of interests of classified loan
47
3.3.3. Reservation of provision
48
3.3.4.Eligible