Theoretical Background of Lending System

in that paying attention Is a meticulous proverb around the brinks bring -If you owe the beach build problem. To be frank, lending to the commercees, brasss, and Individuals Is one of the most(prenominal) Important processs avows and their closest competitors provide, and It Is the riskier. The hint reason banks and many competitor lenders ar issued charter of incorporation by government is to make bestows to their customers. believes, thrift institutions, and sepa localise chartered lenders ar expected to support their local immunities with an adequate supply of credit for every last(predicate) legitimate production line and consumer financial necessitate and to price that credit reasonably in line with competitively determined grocery interest rate. Indeed, making loans to fund consumptions and investment spending Is the principal economical act of banks and their closest competitors. How well a lender performs In fulfilling the lending function has a gre at deal to do with the economic health of Its region, because loan support the harvest-festival of unsanded business and line of works wealth the lenders administer territory.Despite completely the benefits of lending for both the institutions that makes loan and for their customer, the lending process bears careful inbred and external monitoring at only the times. When a bank or other lender gets into serious financial trouble, its problems commonly spring from loans that earn become unconvertible due to mismanagement, illegal manipulation, misguided landing place policies or an unexpected economic downturn. No wonder, then, that when examiners appear at a bank or other regulated lending Institution they conduct a double-dyed(a) review of its loan portfolio.Usually this Involves detailed digest of the documents and collateral for the largest loan, a review of a sample of small loans, and an evaluation of loan polices to ensure their sound and prudent In order to protect the public funds. 1. 2 Background of National extension &038 mercantilism shore Ltd (UNCLE) National Credit and trade bank Limited bears a unequaled history of its own. The organization started its Journey in the financial sector of the country as an investment company back in 1985.The aim of the company was to mobile resources from indoors and invest them n such authority so as to develop countrys industrial and trading Sector and playing a catalyst role In the composition of capital market as well. Its social status with the bourse helped the company to a great purpose In this regard. The company operated up to 1992 with 16 branches and thereafter with the permission of the Central deposit converted In to a full-fledged scheduled private commercial bank In May 1993 with remunerative up capital TX. 39. 00 join to serve the area from a broader platform.During providing sincere personalized service to its customers in a technology- ground environment. The Bank has or der up a new touchstone in financing in the Industrial, Trade and Foreign Exchange business. Its various touch on and credit products have in like manner attracted the clients-both collective and individuals who feel comfort in doing business with the Bank. The initial authorized capital of the Bank was TX. 75. 00 core and, paid-up capital TX. 19. 50, core at the time of conversion, which is now raised, to TX. 9. 00 cores. The hand over authorized capital is TX. 250. 00 core and paid up capital is TX. 60. 78 core. The sponsors of the new bank consisted of 26 (Twenty six) Members, who comprised the iris come on of Directors. The share price of the bank is currently being quoted at both Dacha and Chitchatting Bourse at an average price of TX. 320/- against per value of TX. degree centigrade/-. NC Bank based upon its commendable business performance for the year ended 2004, has in the meantime declared stock dividend at the rate of 30%.The Bank which started with 16 branches i n 1993, has at present 41 (forty one) branches and 03 (three) Booths find in prime commercial areas of Dacha, Chitchatting, Sylphs, Fine, Chula, Josser and Ranging territory Headquarters, out of which as many as 17 seventeen) are Authorized head teacher Branches, fully equipped for dealing in direct foreign exchange businesses. 1. 3 Scope of the Report This hatch has been vigilant through extensive discussion with my colleagues and with the clients.While preparing this report, I had a great opportunity to have an in depth association of all the banking activities practiced by the NC Bank limited. It also helped me to acquire a first-hand perspective of a leading private bank in Bangladesh. This report covers overall areas of UNCLE. It can be grouped into the allowing sections Origin and historical footing of UNCLE. Theoretical description about the products and services, oecumenical banking activities and departments of the bank.Analysis of the performance of UNCLE through s ome ratios. 1. 4 Objectives of the Report Primary Objectives The primary objectives of the report are to orient the real life history nature of the bank and to measuring the Job contentment of the staffs of the NC Bank Ltd, Mailbags branch, Dacha. Secondary Objectives To measure the level of Job satisfaction of employees with respect to the company. To understand the components that trigger Job satisfaction of the staffs.To know the reasons behind the Job dissatisfaction of the employees from the findings. To hear the level of Job satisfaction of employees on various parameters Working Conditions Rewards and other benefits alliance with employees of company Job Security 1. 5 Methodology This report is made based on my theoretical and practical knowledge and as project report. National Credit Bank Limited is one of the well-known(a) private commercial bank in Bangladesh. Its public reporting system is appreciable. selective information are well managed.This arrangement is ten acious that helps easy application of analytical tool. deuce sources are used to collecting data. These are Primary reservoir Secondary Source Primary Source Face to brass section conversation with the bank officers and staffs require of dissimilar files of different section of the bank. Un-official discussion with bank official. Secondary Sources Annual report of NC Bank limited (2009-2013). Website. Literature summery. 1. 6 Limitations of the Study 1. Data Insufficiency 3. Lack of Updated Information.