An Appraisal of Credit Financing Performance of IFIC Bank Limited

Abstract

The report is prepared to evaluate The Credit Financing Department of IFIC Bank. As a private commercial bank all the sectors of credit financing department are not highlighted in ·this report. The main ideas and which are more performed in the bank those analyzed. In the report there are five chapters are mentioned. At first the in the introductory part mainly emphasized the overview of the bank, capital and surplus, scope and methodology, which is chapter one. In chapter two the performance evaluation of overall banking is highlighted and in it the items are analyzed such as - deposit amount, total and fixed assets, dividend and bonus share, time interest earn, etc. are evaluated. In the chapter three there are all the credit financing different type, .terms and conditions, rules, loan sanctioned criteria, loan disbursement amount, recovery rate etc. are emphasized. There are also more two chapters - chapter four is for problem finding of overall banking system and also the problem of the credit department. And the last chapter five is for suggestions to improvement of the overall banking system and the credit department. There are also the limitations to collect the data, conclusion, appendix, bibliography are mentioned to fulfill the report. All over the report there are many rules and regulations, problems are identified. with all those the solutions are given to improve the overall and the credit financing department so that the services of the bank will be more quick and unique, reduce the risk of providing loans by refund on time, consider the borrower's criteria etc. which will help the bank to develop their performance