An Evaluation of Credit Policies & Foreign Exchange Operation of NBL

Abstract

The report entitled with An Evaluation of Credit Policies & Foreign Exchange Operation of National Bank Limited" is based on the three months Internship Program in National Bank Limited, Mohakhali Branch. There are seven chapters in the report. Each chapter has been discussed with separate issues. In the first chapter the objectives, scope and methodology and limitation are described. In the second chapter, I have described the overview of NBL including traditional heritage, mission, vision, objectives of NBL, capital structures, products and services, types of credit, types of deposits etc. Chapter three is basically the credit polices and activities of NBL. In this chapter the credit policies of NBL, credit schemes of NBL etc are described. Moreover there are some analysis related to credit activities have focused in this chapter such as: deposit/credit ratio, recovery of credit and volume of non performing loan of NBL. For this chapter I have used the growth percentage analysis. The chapter four is related with the foreign exchange activities of National Bank Limited. Export procedure, import procedure and foreign remittance procedure are described in this chapter. Also the trends of foreign exchange activities of NBL have illustrated in this chapter. In the chapter five I have used the ratio analysis for the financial performance of the National Bank Limited. Return on equity, return on assets, net profit margin ratio, equity multiplier ratio, fixed asset turnover ratio, total asset turnover ratio, price earning ratio etc are calculated in this chapter. From this ratio analysis we can describe the financial performance of NBL. The chapter six is problem relating to credit activities, foreign exchange activities and also general problems of NBL which I have found during my internship program. Then I have described the suggestions of those problems in the chapter seven.