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Here I got chance to work different section of this branch. I got an opportunity to work as an intern in this banks Kalighat Road Branch. Pubali is the largest commercial bank in Bangladesh which has over 400 branches all over the country. The scope of the study is entire Pubali Bank Limited. Therefore, as a 1st generation bank, Pubali Bank Limited should give much attention to this area and this study will attempt to analyze their efforts and draw a complete picture of their practices. So management of credit portfolio is one of the major operations of the banks. People are taking loans to start different types of businesses. The usage of banking service for any type of financial activities is increasing day by day. #Artha rin adalat ain 2003 bangladesh pdf files manuals#Bank's reputation is a critical factor for its success and therefore modern banks must follow appropriate guidelines, policies and relevant manuals regarding credit extension and recovery. Their depositors' money, they have even more responsibility to manage their credit portfolio smoothly. Like other financial intermediary, commercial banks also intermediate between the savers and borrower to mobilize the financial surplus of the savers and allocate these savings to the creditworthy borrowers of different sectors of the economy. Sound lending practice therefore, is very important for profitability and success of a bank. Lending comprises a very large portion of a banks total activities. The principal function of the bank is to lend. To this consequence Pubali Bank Ltd has established its own credit policy to guide them in achieving their target of maximum value addition through an efficient and effective credit risk management. So, Banks and Financial Institutions have high exposure to credit risk. Credit Risk Management process permits the banks to proactively manage loan portfolios in order to minimize losses and earn a satisfactory level of return for shareholders. As such, credit portfolio not only features dominant in the assets structure of the Bank, it is crucially importance to the success of the Bank also. The failure of a commercial Bank is usually associated with the problem in credit portfolio and its less often the result of shrinkage in the value of other assets. A prudent bank management should always try to make an appropriate balance between its return and risk involved with the loan portfolio. On the other hand, loan is also the major source of risk for the bank management. Loans comprise the most important asset as well as the primary source of earning for the banking financial institutions. In achieving the aforesaid objectives of the Bank, Credit Operation of the Bank is of paramount importance as the greatest share of total revenue of the Bank is generated from it, maximum risk is centered in it and even the very existence of Bank depends on prudent management of its credit portfolio. Pdf), Text File (.txt) or read online.Credit Risk Management of Pubali Bank Limitedįinancial institution like Bank is committed to provide high quality financial services/ products to contribute to the growth of the country through stimulating trade and commerce, accelerating the pace of industrialization, boosting up export, creating employment opportunity for the youth, poverty alleviation, raising standard of living of limited income group and overall sustainable socio-economic development of the country. ![]() #Artha rin adalat ain 2003 bangladesh pdf files download#Artha Rin Adalat Ain 2003 Bangla 01 - Download as PDF File (. The thinkers on the subject gave second thoughts to frame a new law and ultimately the legislature passed 'The Artha Rin Adalat Ain, 2003' (hereinafter Adalat) by repealing the earlier one. The law brought changes to a great extent in the administration of justice delivery system for regulating those suits but it failed to fulfil the expectation of the legislators/bankers to recover the dues expeditiously from the defaulters. Artha Rin Adalat Ain 2003 English Version Pdf To remove this difficulty, the government enacted a special piece of legislation named 'The Artha Rin Adalat Ain, 1990' which had gone under some changes by way of amendments since its inception. The delay caused made the bank sector suffer for non-realisation of dues in time and the bankers gathered bitter experience in realising the same. The civil courts were burdened with other businesses and such suits of banks consumed time for disposing of. When due for default, is realised through money suits, suits for foreclosure, mortgage by instituting the same to competent civil courts. ![]() Star Law analysis The Artha Rin Adalat Ain/2003: A review Syed Jahed Monsur In our legal system, money lent by financial institutions/banks to individuals, private limited companies, public limited companies, corporations, partnership firms, societies, co-operatives, proprietorship firms etc.
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