JB Genaral Banking

8/12/2019 JB Genaral Banking

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INTERNSHIP REPORT INTERNSHIP REPORT

ON ON

GENERAL BANKING SYSTEM OFGENERAL BANKING SYSTEM OFJANATA BANK&FOREIGNJANATA BANK&FOREIGNEXCHANGEEXCHANGE


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INTERNSHIP REPORTINTERNSHIP REPORTOn

ENERAL BANKIN SYSTEM OF JANATA

BANK&FOREI N EXCHAN E

Submitted to:

Sagib Kumar Ghosh

Asst. Professor

De t of M!r"et#n$ St% #es &

Intern!t#on!' M!r"et#n$

(n#)ers#t* of C+#tt!$on$

Submitted By

Md. Ataur Rahman

MBA Pro$r!,

Sess#on- //01 //2

E3!, Ro'e4 //2125

De t of M!r"et#n$ St% #es &

Intern!t#on!' M!r"et#n$

University of Chittagong

Date of Submission: 5 th ebruary !""#


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$etter of ubmission

D!te4 6t+ Fe7r%!r* //6

Sagib Kumar GhoshAsst. Professor De t. of M!r"et#n$ St% #es !n Intern!t#on!' M!r"et#n$(n#)ers#t* of C+#tt!$on$.

Sub: Submission of internshi% Re%ort.

De!r S#r8

I !, 9r#t#n$ #n :onne:t#on 9#t+ t+e #nterns+# re ort n!,#n$ &Genera' Ban(ing andoreign )*+hange of ,anata Ban( $imited - A Study on ,A A/A Ban( $imited 0120 Moti3hee' Cor%orate Bran+h0 Moti3hee'0Dha(a.

(n er t+e st!te of t+e re ort8 I +!)e 7een $#)en re'e)!nt #nfor,!t#on fro, t+e e, 'o*eesof JANATA B!n" Lt . for :o''e:t#n$ r#,!r* !t!. ; !'so +!)e $one t+ro%$+ )!r#o%s

%7'#:!t#ons re'!t#n$ 9#t+ J!n!t! B!n" Lt . !n #ts o er!t#on.

T+#s re ort ro)# es ,e !n #ns#$+t on t+e :%sto,er ser)#:e e !rt,ent of J!n!t! B!n". Int+#s re ort I +!)e tr#e to f#n o%t so,e ro7'e, !re!s re'!te to Genera' Ban(ing andoreign )*+hange of ,anata Ban( $imited tr#e to f#n o%t so,e oss#7'e so'%t#on to

t+ose !rt#:%'!r ro7'e,s.

I +!)e en


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To !*>s 9or' #s :+!n$#n$ )er* r! # '* !s ne9 7%s#nesses !re e,er$#n$ 7* '!:#n$ t+e o' ones. In t+#s ne9 ,#''enn#%,8 eo 'e fee' ! $ro9#n$ %ne!s#ness!7o%t t+e f%t%re. M!n* :o%ntr#es s%ffer fro, :+ron#: +#$+ %n-e, 'o*,ent8 !

ers#stent ef#:#t !n eter#or!t#n$ %r:+!s#n$ o9er. L#"e t+e ot+er 7%s#nesses8 7!n"#n$ r!:t#:es !re !'so :+!n$#n$ !t !n #n:re #7'e !:e.

In t+e 7!n"#n$ #n %str*8 :o,,%n#t* 7r!n:+ 7!n"s +!)e 'on$ 7een t+e ,!r"et#n$:+!nne's t+ro%$+ 9+#:+ :%sto,ers e os#t ,one* !n ,!"e !*,ents. B%t t+e

7r!n:+ 7!n"s ,!* soon 7e:o,e ! t+#n$ of t+e !st. As ! res%'t of ! )!n:es #n

7!n" !%to,!t#on fro, !%to,!t#: te''er ,!:+#ne ?ATM@ to te'e +one 7!n"#n$ser)#:es-fe9er t+!n +!'f of 7!n" :%sto,er ?5 @ #n t+e (n#te St!tes no9 %se

7!n" 7r!n:+es. H!'f of t+e :o%ntr*>s 0 // 7r!n:+ off#:es ,!* #s! e!r 9#t+#n !e:! e.

No9 #t #s not e!s* to o er!te t+e 7!n"#n$ r!:t#:es '#"e tr! #t#on!' ! ro!:+es of; // or ;6// A.D. To !*>s 7!n"s nee to re:o$n# e t+!t t+e* !re no 'on$er$eo$r! +#:!''* 7o%n 8 !n t+!t t+e #ntro %:t#on of e'e:tron#: !%to7!+n re resents! 9+o'e ne9 e'#)er* :+!nne' for f#n!n:#!' ser)#:es.

M* +onor!7'e s% er)#sor MR. Sa3ib Kumar Ghosh. Assistant 6rofessor0De%artment of Mar(eting0 University of Chittagong.0 @ #re:te ,e !'' t+e 9!* to re !re t+#s re ort. #t+o%t +#s +e' !n "#n :o-o er!t#on #t #s not oss#7'e for,e to re !re t+#s re ort.


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)*e+utive Summary

As t+e MBA ro$r!, #s ! ter,#n!' e$ree8 #t #s re %#re to +!)e !n #nterns+# ro$r!,for ! er#o of t9o ,ont+s on ! re %t!7'e or$!n# !t#on 9+ere I :!n $!#n r!:t#:!'

e3 er#en:es 9+!t I 'e!rne !t ,* t+eoret#:!' :'!sses. I 9!s "een to +!)e ,* #nterns+# ro$r!, !t 7!n"#n$ se:tor t+!t #s 9+* I s :+e %e8 fore#$n e,!n r!ft8 en orse,ent of (S #n !ss ort

et:.

T+ro%$+o%t t+e re ort I ,! e ,* e)er* effort to 7e !s :%rrent !n % -to- !te !s oss#7'e#n t+e resent!t#on of t+eor#es8 :on:e ts !n e3!, 'es.


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S1' No T#t'e P!$e No

;. B!:" $ro%n 1 Intro %:t#onO7


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8.8 7 /R9DUC/79

To !*>s f!st $ro9#n$ :o, !n#es nee 7%s#ness 7!n"#n$ ser)#:es t+!t f%''* ,eett+e#r e3 e:t!t#ons for s ee 8 :on)en#en:e8 eff#:#en:* !n se:%r#t*. To ens%re t+e#r

o t#,%, 'e)e' of s!t#sf!:t#on8 re$!r #n$ t+e#r ne:ess#t* for t+#s t* e of !ff'%ent 7!n"#n$ ser)#:es #fferent t* es of 'o:!' !s 9e'' !s ,%'t#n!t#on!' 7!n"s !re :o,#n$% 9#t+ #)erse !n *n!,#: :or or!te 7!n"#n$ ser)#:es .

T+e ter, B!n" or#$#n!''* referre to !n #n #)# %!' or or$!n# !t#on8 9+#:+ !:te!s ! ,one*:+!n$er !n e3:+!n$e one :%rren:* for !not+er. A::or #n$ to6rof. Sayers - B!n"s !re #nst#t%t#on 9+ose e7t %s%!''* referre to !s B!n"De os#t>- !re :o,,on'* !::e te #n f#n!' sett'e,ent of ot+er eo 'es e7ts .

A::or #n$ to t+e Ban(ing Regu'ation A+t0 8#1# B!n"#n$ ,e!ns t+e !::e t#n$,one* for t+e %r ose of 'en #n$ or #n)est,ent of e os#t of ,one* fro, t+e

%7'#: re !*!7'e on e,!n or ot+er9#se !n 9#t+ r!9 !7'e 7* :+e %es8 r!ftsor er or ot+er9#se .

B!n"s !re '!*#n$ ! )#t!' ro'e #n t+e e:ono,#: ro$ress of o%r :o%ntr*. No9-!-!*s8 t+e 7!n"s tr* to $#)e r#or#t* #n t+e ers e:t#)e of o%r n!t#on!' #nterest. T+eB!n"#n$ In %str* #n B!n$'! es+ #s one :+!r!:ter# e 7* str#:t re$%'!t#ons !n,on#tor#n$ fro, t+e :entr!' $o)ern#n$ 7o *8 t+e B!n$'! es+ B!n". T+e :+#ef:on:ern #s t+!t :%rrent'* t+ere !re f!r too ,!n* 7!n"s for t+e ,!r"et to s%st!#n. As! res%'t8 t+e ,!r"et 9#'' on'* !::o,,o !te on'* t+ose 7!n"s t+!t :!n tr!ns #rest+e ,ost :o, et#t#)e !n rof#t!7'e ones #n t+e f%t%re.

B!n" erfor, t+e #n #s ens!7'e t!s" of #nter,e #!t#n$ 7et9een t+e t9o $ro% s!n offer#n$ :on)en#ent f#n!n:#!' ser)#:e to s%r '%s-s en #n$ #n #)# %!'s !n#nst#t%t#ons #n or er to !ttr!:t f%n !n t+ese 'o!n#n$ t+ose f%n s to ef#:#t-s en #n$ #n #)# %!'s !n #nst#t%t#ons. Anot+er :ontr#7%t#on of 7!n" ,!"e t+e#r9#''#n$ness to !::e t r#s"* 'o!n fro, 7orro9er8 9+#'e #ss%#n$ 'o9 r#s" se:%r#t#es tot+e#r e os#tors. B!n" !'so s!t#sf#es t+e stron$ nee s of ,%:+ :%sto,er>s '# %# #t*.It #s tr%e t+%s :'e!r t+!t t+e %n er'*#n$ r#n:# 'e of ! 7%s#ness of 7!n"#n$ #s t+!t t+ereso%r:es ,o7#'# e t+ro%$+ t+e !::e t!n:e of e os#t ,%st :ontr#7%te t+e ,!#nstre!, of f%n s8 9+#:+ !re to 7e %t#'# e for 'en #n$ or #n)est,ent %r ose.


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8.1 7M69R/A C) 9 /;) S/UDs !::o%nt.


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/ota' AmountF6rin+i%a' amount 7nterest Bonus amount

T+e ,one* 9#'' 7e !# o%t on ,!t%r#t* !::or #n$ to t+e t!7'e !7o)e8 7%t T!3 1 D%t* !n

ot+er :+!r$es ,!* 7e !


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eatures of the MDS A++ount:

T+e e os#t %n er SBDS 9#'' 7e !ffe:te !fter e3 #r* of e!:+ er#o !s er t+e :+!rt

ro)# e 7e'o94

Mont+'* Inst!'',ent %!nt%,?MI @ TK.

Mone* !t t+e en of 0 *e!rs er#o . TK.

0// 0;/// 05 0/// ;566///// 5 0/5/// 6 660/// 562/// 55 ///// 0 ;56/// 0620666/// 2 ;/ 6;//// 50 6

T+e ,one* 9#'' 7e !# o%t on ,!t%r#t* !::or #n$ to t+e t!7'e !7o)e8 7%t T!3 1 Le)*1

E3:#se !n ot+er :+!r$es !s ! '#:!7'e 9#'' 7e !


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Certain ty%es of do+uments are needed for s%e+ia' +ustomers. /hese are:

6ro%rietorshi% A++ount:

Do:%,ent re %#res for ro r#etors+# 7%s#ness to o en !n !::o%nt !re4Intro %:ers 9#t+ !::o%nt n%,7er.!'# tr! e '#:ense fro, D+!"! C#t* Cor or!t#on8 Atteste :o * s+o%' 7es%7,#tte .Re:e# t of T!3 re)en%e :o * fro, D+!"! C#t* Cor or!t#on.

6artnershi% A++ount:

Do:%,ents to 7e o7t!#ne for o en#n$ !n !::o%nt of !rtners+# f#r, !re4Tr! es '#:ense or 7o!r reso'%t#on.

Dee s of !rtners+# s#$ne 7* !'' !rtners.S#$n!t%re of !t 'e!st t9o 9#tnesses.T9o :o #es +oto$r! + of e!:+ !rtner.P!rtners+# reso'%t#on s#$ne 7* !'' !rtners to o en !::o%nt.Reso'%t#on ,%st #n #:!te !%t+or# e erson 9+o o er!tes t+e !::o%nt.

$imited Com%any A++ount :

Do:%,ent re %#re for L#,#te Co, !n* !::o%nt to o en !n !::o%nt !re4Me,or!n %, !n Art#:'es of Asso:#!t#on of Co, !n*.Po9er of Attorne*Reso'%t#on of Bo!r of D#re:tor.Cert#f#:!te of #n:or or!t#on.Cert#f#:!te of :o,,en:e,ent of 7%s#ness #n :!se of %7'#: '#,#te :o, !n*.L#st of #re:tor.T9o :o #es of !ss ort s# e +oto$r! + of !::o%nt o er!tors.Ot+ers4 n!,e #re:tor s 9#t+ s#$n!t%re8 ,#n%tes of 7o!r of #re:tor.


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Re,#tt!n:e Se:t#on4

/ +e ,!


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Genera' %ra+ti+es of an A++ounts De%artment:

BASIC ,!#nt!#ns s'# s*ste, of !::o%nt#n$.

S+rutiniHing ou+hers:

A t t+e !* en !'' )o%:+ers !re sent to t+e !::o%nts e !rt,ent 7* t+e res e:t#)ee !rt,ent fro, 9+ere )o%:+ers !re or#$#n!te . On t+e ne3t !* !n !:t#)#t* re ort> #sre:e#)e fro, :o, %ter e !rt,ent. T+e !:t#)#t* re ort #s t+e et!#' st!te,ent of !'' t+etr!ns!:t#ons :!rr#e 7* t+e 7r!n:+ of ! !rt#:%'!r !te. It #s t+e s%,,!r* of !'' !::o%nt

os#t#on. It !'so #s '!*s :!s+8 :'e!r#n$8 tr!nsfer os#t#on8 #n #)# %!' e os#t !::o%nt os#t#on et:.

6rovisioning:

A ::o%nts e !rt,ent ,!"e ro)#s#on for #fferent e os#t !::o%nts. Pro)#s#on#n$ ,e!ns"ee #n$ t+e re:or of e3 ense8 9+#:+ +!s o::%rre 7* non-:!s+ 9!*. T+#s e !rt,ent!'so ,! e e re:#!t#on of !ssets t+!t #s one "#n of non-:!s+ e3 ense

Statement 6re%ared in A++ount Se+tion:

/ +e fo''o9#n$ 9ee"'*1 ,ont+'*1 %!rter'* !n +!'f-*e!r'* st!te,ents s+o%' 7es%7,#tte to Centr!' A::o%nts D#)#s#on of He! Off#:e4

SL No

P!rt#:%'!rs of St!te,ent Per#o L!st !te of s%7,#ss#on to HO.

/; ee"'* Pos#t#on ee"'* B* e)er* S!t%r !*

/ S.B.S. ; Mont+'* ;/ t+ ne3t ,ont+

/ Se:tor Cor . Mont+'* ;/ t+ ne3t ,ont+/5 S.B.S. %!rter'* 0 t+ ne3t ,ont+

/0 %!rter'* St!te,ent of S:+e %'eB!n"

%!rter'* t+ ne3t ,ont+

/2 St!te,ent of Be!rer Cert#f#:!te ofDe os#t

%!rter'* 0 t+ ne3t ,ont+

/ St!te,ent of De os#t L!n #n$!n Borro9#n$

H!'f Ye!r'* t+ ne3t ,ont+

/ B%s#ness Perfor,!n:e re ort Mont+'* ; st ne3t ,ont+/6 SLR St!te,ent Mont+'* ; st ne3t ,ont+


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/ +e ,!"#n$ of 'o!ns !n ! )!n:es +!s !'9!*s 7een ro,#nent !n rof#t!7'e f%n:t#on of! 7!n". S!n:t#on#n$ :re #t to :%sto,ers !n ot+ers o%t of t+e f%n s !t #ts e os!' #sone of t+e r#n:# 'e ser)#:es of ! ,o ern 7!n". A )!n:es 7* JANATA B!n" !re,! e #n #fferent for,s. S%:+ !s4

O)er r!ftC!s+ :re #tTer, 'o!nB#''s Portfo'#oP!:"#n$ Cre #tB!n" G%!r!nteeCo,,er:#!' Lo!n

9verdraft 9D :

T+e o)er r!ft #s ! "#n of ! )!n:es !'9!*s on ! :%rrent !::o%nt o er!te % on 7*:+e %e. T+e :%sto,er ,!* 7e s!n:t#one ! :ert!#n '#,#t % on 9+#:+ +e :!n o)er r!9 +#s:%rrent !::o%nt 9#t+#n ! st# %'!te er#o . Here8 9#t+ r!9!' or e os#ts :!n 7e ,! e !n*n%,7er of t#,es of t+e :on)en#en:e of t+e 7orro9er ro)# e t+e tot!' !,o%nt 9#t+ r!9noes not8 !t !n* t#,e e3:ee t+e !$ree '#,#t. Interest #s :!':%'!te !n :+!r$e on'* ont+e !:t%!' e7#t 7!'!n:e on !#'* ? ro %:e @ 7!s#s. +#'e #n ! :%rrent !::o%nt :+e %es !re+onore #f t+e 7!'!n:e #s #n :re #t8 t+e OD !rr!n$e,ent en!7'es ! :%sto,er to r!9 o)er!n !7o)e +#s o9n 7!'!n:e % to t+e e3tent of t+e '#,#t st# %'!te .

For e3!, 'e8 #f t+ere #s ! :re #t 7!'!n:e of TK. ;/8///1U #n ! :%sto,er>s :%rrent !::o%nt!n !n OD '#,#t of TK. ;/8 ///1- #s s!n:t#on to t+e :%sto,er8 t+en +e :!n r!9 :+e %es% to TK. /8///1-. T+ere #s no restr#:t#on %n'#"e #n :!se of 'o!n8 on r!9#n$ ,ore t+enon:e. OD f!:#'#t#es !re $ener!''* $r!nte to 7%s#ness,!n for e3 !ns#on of t+e#r 7%s#ness.

It #s essent#!' t+!t ! 'etter of :ont#n%#t* ,%st 7e o7t!#ne #n :!se of OD !::o%nt. T+e 'etter,!"es t+e :%sto,er '#!7'e to t+e f#n!' 7!'!n:e of +#s !::o%nt 7* :onf#r,#n$ t+e#nter)en#n$ e7#ts !n :re #ts #n +#s !::o%nt.

JANATA B!n" +!s t+e fo''o9#n$ t* es of OD4SOD !$!#nst f#n!n:#!' o7'#$!t#onSOD !$!#nst FDR SOD $ener!'Ot+ers


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ise 9verdraft 6osition of the,A A/A Ban(0120 Moti3hee' Cor%. Bran+h.

?A,o%nt #n M#''#on T".@

Ye!r // //2 //0

SOD !$!#nst f#n!n:#!' o7'#$!t#on -SOD !$!#nst FDR SOD $ener!'

Tot!'

Cash Credit C.C :

A C!s+ Cre #t #s !n !rr!n$e,ent 7* 9+#:+ t+e :%sto,er #s !''o9e to 7orro9 % to !:ert!#n '#,#t. T+#s #s ! er,!nent !rr!n$e,ent !n t+e :%sto,er nee not 7orro9 t+es!n:t#one !,o%nt !t on:e8 7%t r!9 t+e !,o%nt !s 9+en re %#re . He :!n %t 7!:" !n*s%r '%s !,o%nt8 9+#:+ +e ,!* f#n 9#t+ +#,. T+%s :!s+ :re #t #s !n !:t#)e !n r%nn#n$!::o%nt to 9+#:+ e os#t !n 9#t+ r!9s ,!* 7e e'e:te fre %ent'*. Interest #s :+!r$eon'* for t+e !,o%nt 9#t+ r!9n !n not for t+e '#,#t !,o%nt. If :%sto,er oes not %se t+e:!s+ :re #t '#,#t to f%'f#'' e3tent8 t+e 7!n" ,!"es ! :o,,#t,ent :+!r$e. C!s+ Cre #t

ro)# es e'!st#: for, of 7orro9#n$ s#n:e t+e '#,#t f'%:t%!tes !::or #n$ to t+e nee s of 7%s#ness,!n. C!s+ Cre #t #s f!)or#te ,o e of 7orro9#n$ 7* '!r$e :o,,er:#!' !n#n %str#!'#sts for ,eet#n$ t+e#r 9or"#n$ :! #t!' re %#re,ents. T+e '#,#t of :!s+ :re #t #s!''o9e $ener!''* for one *e!r.

Interest r!tes for C!s+ Cre #t4

C!s+ Cre #t Interest R!tes

C.C.?In %str#!'@ or"#n$ :! #t!' re %#re,ent ;C.C. Co,,er:#!'1 Tr! e ;

,A A/A BA K %rovides three ty%es of Cash Credit CC fa+i'i ties. /hese are ----

C!s+ Cre #t ?H* ot+e:!t#on@C!s+ Cre #t ?P'e $e@C!s+ Cre #t?E3 ort@


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Ter, Lo!n4

/ +e 'o!n 9+#:+8 #s re !*!7'e #n f#3e f#3t%re !te8 #s :!''e ter, 'o!n. T+#s 'o!n #s ,! eto '!r$e 9e''-est!7'#s+e 7%s#ness enter r#se for f#n!n:#n$ :! #t!' e3 en #t%re.

B%s#ness,!n re %#res t+#s 'o!n for %r:+!se or reno)!t#on of f%n s8 7%#' #n$s8 !nf!:tor* s+e s8 !n ,!:+#ner* et:. t+e 'o!n #s to 7e re !# for !::or #n$ to ! s:+e,e ofre !*,ent 7* #nst!'',ents. Inst!'',ents ,!* 7e ,ont+'*8 %!rter'*8 se,#!nn%!''*8!nn%!''* e en #n$ on t* e of 'o!n. T+#s t* e of #s $#)en for 'on$ ter,8 ,# ter,8 s+ortter, !n re %#res '!r$e #n)est,ent. M!r"et st% * !n en)#ron,ent #s ne:ess!r* 7efore!''o9#n$ s%:+ 'o!n. SO(THEAST :+!r$es ; #nterest for s%:+ 'o!n.


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T+#s t* e of :re #t f!:#'#t#es #s ,!#n'* re'!te to ost #, ort f#n!n:#n$. It #s $#)en fors+ort er#o . PAD8 LIM8 LTR !re f!'' #n t+#s :!te$or*. A et!#' !7o%t t+ese :re #ts +!s

7een #s:%sse #n fore#$n tr! e !r 6AD:

/ +#s ,e!ns !*,ent !$!#nst o:%,ents. After $ett#n$ o:%,ents fro, ne$ot#!t#n$ 7!n"-o en#n$ 7!n" #nfor,s #, orter for :'e!r t+e o:%,ents !n 7!n" :re!tes ! 'o!n !::o%nt./ !*s !re !''o9e for t+#s t* e of 'o!n. B!n" :+!r$e #nterest Q ; #n t+#s :re #tf!:#'#t*. T+e B!n" t+!t est!7'#s+es t+e 'etter of :re #t #s 7o%n to +onor #ts :o,,#t,ent to

!* for #, ort 7#''s 9+en t+ese !re resente for !*,ent8 #f r!9n str#:t'* #n ter,s oft+e 'etter of :re #t. T+e fore#$n :orres on ent8 9+#:+ ne$ot#!tes t+e o:%,ents8 $ets

!*,ent !s er st# %'!te re#,7%rse,ent ter,s of t+e L1C to t+e e7#t of t+e !::o%nt oft+e L.1C o en#n$ 7!n">s F. C !::o%nt. T+e o en#n$ 7!n" 'o $e t+e s+# #n$ o:%,ents #nt+e#r 7oo"s !n res on s to t+e e7#t ! )#:e or#$#n!te 7* fore#$n :orres on ent to t+ee7#t of !*,ent !$!#nst o:%,ents ?PAD@ !::o%nt. In f!:t8 t+e !,o%nt st!n s !s! )!n:e to t+e #, orter8 9+#:+ #s ! $o o9n !fter :'e!r fro, Port. C%sto,er +!s to !


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Ye!r // //2 //0P!*,ent A$!#nst Do:%,ents ?PAD@ ; 0 5/Lo!n !$!#nst Tr%st Re:e# ts ?LTR@ ; ;22 ;

Tot!' 55/ 6; ;;;


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Credit 7nvestigation and $oan A%%raisa':

After $ett#n$ Lo!n ! '#:!t#on fro, t+e :%sto,er8 7!n" st!rte ! r!#s!' of t+e 'o!n.

For t+#s 7!n"

F#rst :o''e:t ne:ess!r* #nfor,!t#on !7o%t t+e :'#ent.

An t+en 9#t+ +e' of t+#s #nfor,!t#on 7!n" ! r!#s!' t+e 'o!n ! '#:!t#on.

F#rst Infor,!t#on S+eet

Lo!n A '#:!t#on Fro,

Cre #t In)est#$!t#on

Lo!n A r!#s!'

Cre #t L#st Pro os!'

S!n:t#on Letter

Lo!n Do:%,ent!t#on

Lo!n D#s7%rse,ent

Fo''o9 (

Lo!n A


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Co''e+tion 9f Credit 7nformation:

For t+e %r ose of !ssess#n$ t+e :re #t9ort+#ness of ! 7orro9er ! 7!n"er +!s to :o''e:tt+e !7o)e-,ent#one #nfor,!t#on fro, ! n%,7er of so%r:es. E)er* 7!n" ,!#nt!#ns !Cre #t #n)est#$!t#on e !rt,ent !t #ts +e! off#:e !n ,!#n off#:es #n '!r$er :#t#es to

:o''e:t #nfor,!t#on re$!r #n$ t+e f#n!n:#!' os#t#on of #ts 7orro9ers. At ot+er :enters8 7r!n:+ ,!n$ers erfor, :re #t #n)est#$!t#on. T+e :re #t #nfor,!t#on #s :o''e:te t+ro%$+t+e fo''o9#n$ so%r:es4

Borro>er: Most of t+e #nfor,!t#on ,!* 7e se:%re fro, t+e 7orro9er #re:t'*. T+e'o!n ! '#:!t#on for, see"s 7!s#: #nfor,!t#on !7o%t t+e 7orro9er !n +#s 7%s#ness. T+e

7!n"er ,!* e3!,#nes +#s !::o%nts 7oo"s !n note +#s !st e!'#n$s 9#t+ ot+er 7!n"s or !rt#es :

Mar(et Re%orts: B!n"s tr* to f#n o%t t+e :re #t9ort+#ness of t+e !rt* 7* ,!"#n$

en %#r#es fro, t+e 7ro"ers8 tr! ers !n 7%s#ness,en #n t+e s!,e tr! e or #n %str*.

T+e#r #n #)# %!' o #n#ons ,!* #ffer 7%t ! 7!'!n:e o #n#on ,!* 7e for,e !7o%t t+e 7orro9er on t+e 7!s#s of t+e fee'#n$s e3 resse 7* ! n%,7er of s%:+ ersons.

)*+hange of Credit 7nformation amongst Ban(s: It #s t+e r!:t#:e !n

:%sto,!r* %s!$e !,on$st 7!n"s to e3:+!n$e :re #t #nfor,!t#on re'!t#n$ to t+e

:onst#t%ents #n t+e#r ,%t%!' #nterest. B%t t+e :re #t re orts e3:+!n$e 7* 7!n"s !re

7r#ef !n s% erf#:#!'. T+e* !re #n $ener!' !n $%!r e ter,s. B!n"s !re re'%:t!nt to

e3:+!n$e ,e!n#n$f%' :re #t #nfor,!t#on 7e:!%se t+e* ! re+en t+!t 'e$!' rote:t#on

!)!#'!7'e to t+e, 9#'' 7e 'ost #f ,ore f!:ts !re #)%'$e to t+e en %#r#n$ 7!n"s. A

st% * Gro% ! o#nte 7* t+e Reser)e B!n" :on:'% e t+e e3#st#n$ 'e$!' rote:t#on

#s ! e %!te to er,#t 7!n"s to e3:+!n$e ,e!n#n$f%' :re #t #nfor,!t#on on t+e#r

:onst#t%ents. T+e st% * Gro% 8 t+erefore8 s%$$este t+!t4

#@ T+ere s+o%' 7e free !n fr!n" e3:+!n$e of :re #t #nfor,!t#on !,on$st t+e 7!n"s

!n

##@ T+ere s+o%' 7e %!'#t!t#)e :+!n$e #n t+e :ontents of :re #t re orts8 9+#:+ s+o%'

+#$+'#$+t t+e ,!n!$e,ent r!:t#:es of t+e :%sto,ers8 t+e#r 7e+!)#or!' !ttern 9#t+

t+e#r 7%*ers8 se''ers !n 9#t+ t+e 7!n" #nste! of :on:entr!t#n$ ent#re'* on t+e 9ort+

of !ssets !n f#n!n:#!' stren$t+. S#,#'!r'*8 t+e :%sto,er>s !7#'#t*8 7%s#ness !:%,en

!n #nte$r#t* !n 9#''#n$ness to +onor :o,,#t,ents s+o%' !'so 7e :o)ere #n t+e

Cre #t Re orts.


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###@ A :entr!' !$en:*8 to 7e :!''e Cre #t Infor,!t#on Tr%st 8 #.e.8 CREDIT> 7e

est!7'#s+e for or$!n# e :o''e:t#on8 :o''!t#on8 stor!$e !n e3:+!n$e of :re #t

#nfor,!t#on !,on$st t+e 7!n"s.

$oan a%%raisa':

#t+ t+e +e' of t+e !7o)e #nfor,!t#on t+e 7!n" ! r!#se t+e 'o!n ro os!' 7* t+e

fo''o9#n$ o#nts4

Cre #t ort+#ness of t+e :'#ent on t+e 7!s#s of 0 C>s.

#@ C! #t!'8 ##@ C+!r!:ter8 ###@ C! !:#t*8 #)@ Contro' !n )@ Co''!ter!'

B!:"$ro%n of t+e C'#ent>s f!,#'*.

N!t%re !n s:o e of t+e 7%s#ness of :'#ent.

M!r"et re %t!t#on of t+e :'#ent.

T%rno)er of t+e 7%s#ness of :'#ent. De!'#n$s of :'#ent 9#t+ t+e 7!n" !n t%rno)er #n :'#ent>s 7!n" !::o%nt.

C'#ent>s 7%s#ness e3 er#en:e.

ort+ & ro ert* of t+e :'#ent.

Lo:!t#on of 7%s#ness1f#r,1#n %str*.

A,o%nt !n P%r ose of t+e 'o!n.

T%rn o)er of t+e s#ster :on:ern ? #f !n*@.

Ris( a+tors:Before Lo!n sett'e,ent t+e B!n"er ,%st :!ref%''* re,e,7er t+e R#s" F!:tor. T+e

fo''o9#n$ s#t%!t#on !n :#r:%,st!n:es ,!* te'' % on t+e :o, !n*>s erfor,!n:e.

!@ (nforeseen s#t%!t#ons !n :#r:%,st!n:es 'e! #n$ to 7! #n)est,ent.

7@ S% en :+!n$e #n so:#!' e:ono,#: en)#ron,ent.

:@ Cont#n%e o'#t#:!' %nrests 'e! #n$ to #sr% t#on #n 7!n"#n$ 7%s#ness.

@ Lo!ns ro)# e to t+e !rt#es ,!* t%rn 7! to so,e e3tent 'e! #n$ to re %:t#on of

rof#t8 9+#:+ ,!* re %#re t+e B!n" to ,!"e +#$+er ro)#s#on. T+#s 9#'' res%'t #n 'o9er rof#ts.

e@ If :ont#n$ent '#!7#'#t* t+en net rof#t 9#'' 7e ! )erse'* !ffe:te . It 9#'' !'so! )erse'* !ffe:t t+e :!s+ f'o9 of t+e B!n".


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f@ B!n"#n$ se:tor !rt#:%'!r'* n!t#on!'# e :o,,er:#!' B!n" +!)e 5/ B! Lo!n 7%t #n

r#)!te se:tor B!n"8 t+#s r!te :o, !r!t#)e'* 'o9er !t resent. In t+#s e)ent #f #n)est,ent

t%rns 7! t+#s er:ent!$e to % t+erefore 7e!r r#s".

$@ In t+e e)ent of #ntro %:t#on of !n* ne9 '!9s1re$%'!t#ons 7* !n* re$%'!tor* 7o * of t+e

:o%ntr* ,!* 'e! to r#s".

+@ Potent#!' :+!n$es #n $'o7!' or n!t#on!' o'#:* ,!* #, ose r#s"

6re%aration of $oan 6ro%osa' and San+tion:

Br!n:+ #f s!t#sf#e 9#t+ t+e :'#ent !n 9!nt to s!n:t#on :re #t to t+e :'#ent t+en #t re !re

! 'o!n ro os!' 9#t+ !'' et!#'s !s #s:%sse !7o)e !n sen to t+e +#$+er !%t+or#t* for

! ro)!'.

Cre #t ro os!' #s #n:'% e 9#t+ t+e fo''o9#n$4

A '#:!t#on of t+e 7orro9er

Sto:" Re ort

(n ert!"#n$ fro, t+e 7orro9er

!'%!t#on re ort of Co''!ter!'

If +#$+er !%t+or#t* ! ro)e t+en 7r!n:+ 9#'' s!n:t#on :re #t to t+e :'#ent.

e+essary do+uments for $oan Sett'ement :

or S9D against .D.R 6.S.6. Saving S+heme Genera' $oan:

!@ De,!n ro,#ssor* ?D.P.@ note.

7@ Letter of Arr!n$e,ent.

:@ Letter of L#en.

@ Letter of C

or S9D Genera'0 Cash Credit C.C. ;y%othe+ation:

!@ De,!n ro,#ssor* ?D.P.@ note. 7@ Letter of Arr!n$e,ent.

:@ Letter of H* ot+e:!t#on. @ Letter of :ont#n%#t*.

S% 'e,ent!r* Arr!n$e,ent.


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or Staff $oan:

!@ De,!n ro,#ssor* ?D.P.@ note. 7@ Letter of (n ert!"#n$.

:@ Letter of A%t+or#t*. @ Letter of #nst!'',ent.

e@ Letter of D#s7%rse,ent. f@ Letter of Arr!n$e,ent.

$@ Letter of H* ot+e:!t#on. +@ S% 'e,ent!r* 'etter ofH* ot+e:!t#on1 'e $e

or 6ub'i+ $imited Com%any:

#t+ t+e !7o)e o:%,ents Person!' G%!r!ntee of !'' #re:tors #s

$oan Disbursement

Lo!n #s !''o9e for ! s#n$'e %r ose 9+ere t+e ent#re !,o%nt ,!* 7e re %#re !t ! t#,e

or #n ! n%,7er of #nst!'',ents 9#t+#n ! er#o of s+ort s !n. After #s7%rse,ent of t+e

ent#re 'o!n !,o%nt8 t+ere 9#'' 7e on'* re !*,ent 7* t+e 7orro9er. A 'o!n on:e re !# #n

f%'' or #n !rt8 :!nnot 7e r!9n !$!#n 7* t+e 7orro9er. Ent#re !,o%nt of 'o!n #s e7#te to

t+e 'o!n A1C #n t+e n!,e of t+e :%sto,er !n #s !# to +#, t+ro%$+ +#s STD1CD

A::o%nt. So,e t#,es 'o!n !,o%nts !re #s7%rse #n !s+ .

o''o> u% and re+overy of the $oan:

After #s7%rse,ent of 'one to ! :'#ent #t #s t+e so'e %t* of t+e #s7%rs#n$ 7r!n:+ to fo''o9

% 'o!n8 9+et+er #t #s ro er'* %t#'# e or not. So re ort on e)e'o ,ent !n s%7,#t t+e

s!,e to t+e ,!n!$er1s!n:t#on#n$ !%t+or#t*. If 'o!ns ro er'* fo''o9 % 7* t+e #s7%rs#n$ 7r!n:+8 t+en t+e r#s" of ef!%'t 9#'' ,#n#,# e.

JB Genaral Banking

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