Past due principal or interest payments past due trade bills account excesses

Past due principal or interest payments past due

This preview shows page 29 - 34 out of 49 pages.

Past due principal or interest payments, past due trade bills, account excesses, and breach of loan covenants; Loan terms and conditions are monitored, financial statements are received on a regular basis, and any covenant breaches or exceptions are referred to CRM and the RM team for timely follow-up. Timely corrective action is taken to address findings of any internal, external or regulator inspection/audit. All borrower relationships/loan facilities are reviewed and approved through the submission of a Credit Application at least annually. Computer systems must be able to produce the above information for central/head office as well as local review . 3.2.4 Recovery Programs of MTB Establishing credit supervision and monitoring cell in the bank Re-structuring the loan sanctioning and distributing policy of the bank Sanctioning loans and advances against sufficient securities as best as possible Giving more powers to the branch manager in credit management decision making process. Giving more emphasis on short term loans and advances Imposing restrictions on loans and advances for sick industries
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Receive & print SMS/ Fax for installment deposits (SME) Check SMS data in MYSIS & resolve problems Repayment schedule checking Bad Loan Management: The Bank continued its efforts to maintain high quality assets. Besides giving emphasis on the satisfactory business performance of the customers and collateral support, the Bank geared up loan monitoring and follows up systems through Monitoring Department to check the loans from becoming non-performing loans of the Bank stood at TK 2,678.7 million at the end of 2010 compared to TK.2, 842.0 million in 2009. 3.2.5 Credit Management Structure The following chart represents the preferred management structure: Board of Director Managing Director Head of Credit Credit Risk Management () Head of SE Financing Credit Administration & Monitoring Head of Operation/ Zonal Head for approval Credit Analyst/ Departmental Officials Zonal Credit Administration & Monitoring Branch Manager / Relationship Manager/ Officers Branch Credit Administration & Monitoring
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CHAPTER 4 ANALYSIS PART
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DATA ANALYSIS OF UTTARA BANK LIMITED 4.1 Trend in Deposit (BDT in Millions) of UBL from the year 2012 to 2016 Object 3 Figure: 1 From above the chart it shows that the deposit of money is gradually increase and the financial year 2016 it is 99583 BDT in millions. This was possible due to superior customer service delivery at the branch level, expansion of branch network to rural areas where foreign remittance flow is significant. 4.2 Credit Deposit Ratio in Percentage (%): Object 5 Figure: 2
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The figure shows that UBL credit deposit ratio is fluctuating year by year. And the financial year of 2016 is very high at 80.33%, but before year of 2015 is lower at 65%.
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