Analysis of Credit Management System of Bangladesh Krishi Bank (BKB): Study on Kawran Bazar Branch,Dhaka

Abstract

Bangladesh Krishi Bank (BKB), the largest specialized bank of the country, was established under the President Order No. 27 of 1973 to finance climate-dependent uncertain and perilous agriculture sector. BKB performs all sorts of banking activities including deposit, loan and foreign exchange transactions has introduced Online Banking, Computerized Banking and automated foreign remittance system. As a specialized state owned institution, the bank has been discharging its nation-building task by undertaking different socio-economic ventures as well as money market projects of its own volition, covering all aspects of the agriculture based economy. It has 1301 branches spread throughout the country which carries all its banking tasks. In this report I have discussed in detail about the "Credit Recovery and Disbursement" of Bangladesh Krishi Bank. The objectives of the study have been outlined to know the different types of credit schemes, lending procedure & approval process, credit assessment & risk management process, identify problems related to credit management, and make some recommendations to solve those problems of BKB. The report is separated in different chapters. The first chapter contains introduction, origin of report, objectives, scope and methodology and limitations of the study. The second chapter contains the overview of Bangladesh Krishi Bank in details along with Types of Deposit and Credit. In the third chapter, the appraisal of Credit policies and activities of credit management system of Bangladesh Krishi Bank is described deeply. Chapter four and five contain Key profitability Ratio and SWOT analysis. In Chapter 6 problems are mentioned out and some recommendations were given including conclusion. In this whole report the discussion about the credit management system of Bangladesh Krishi Bank are designed in step by step.