Table of Contents

Description Letter on Transmittal Acknowledgement Executive Summary Chapter 1: Introduction 1.1 Importance of the Study 1.2 Objective of the Study 1.3 Historical Background of the Study 1.4 Methodology of the Report 1.5 Scope and Limitations of the Study Chapter 2: Evaluating the Authorities Involved in Credit Management of the City Bank 2.1 Organogram of Credit Department of City Bank 2.2 Individuals Responsibility of Organogram. 2.2.1 Directors 2.2.2 Credit Risk officer 2.2.3 Relation Ship Manager 2.2.4 Head of Credit Admin Chapter 3: Evaluating the Credit Policy and Procedures Followed by City Bank 3.1 Credit Policy of City Bank 3.2 Approval Process 3.3 Flow Chart of Approval Process 3.4 Services Offered by Credit Department 3.5 Credit Evaluation Principles 3.6 Most Important Features of City Banks Credit Policy 3.7 Determinants for Selection of Borrower 3.7.1 The Cs of Good & Bad Loan 3.7.2 Collection of Credit Information 3.8 Documentation of the Loan 3.8.1 Objectives of Documentation Against Loan/Advance 3.8.2 Steps for Documentation 3.8.3 When Document is Become Invalid
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Chapter 4: Evaluating the Financing Pattern of Credit Facilities of City Bank 4.1 The Scenario of Deposit Portfolio Chapter 5: Evaluating the Sector Wise Credit Offered by the City Bank 5.1 Sector-Wise Credit Offered by City Bank 5.2 Sector-Wise Loans / Investment Including Bills Purchased and Discounted Chapter 6: Evaluating the Securities Offered by the Client Against Credit Facility 6.1 Security Against Advances 6.1.1 Types of Securities 6.1.2 Attributes of a Good Security:

6.1.3: Securities Against Loans/ Investments:

Chapter 7: Evaluating the Recovery Position of the Credit Facilities of the City Bank 7.1 Recovery Position of Credit Facility of City Bank Chapter 8: Find Out the Problems and their Probable Solution 8.1 SWOT Analysis of City Bank 8.2 Problems 8.2.1 Lack of Deposit for Credit Extensions 8.2.2 Mentally of not to repay the loan 8.2.3 Defective Legal System 8.2.4 Delay in Loan Sanction 8.2.5 Higher Rate of Interest for Credit 8.2.6 Changes in Policies 8.2.7 Irregularity in Providing Loan 8.3 Strength 8.4 Weaknesses 8.5 Opportunities 8.6 Threats

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Chapter 9: Evaluation of Impact of Credit Management on the Profitability of the City Bank 9.1 Maintaining Capital Adequacy 9.1.1 Capital Adequacy Ratio 9.2 Maintaining Satisfactory Liquidity 9.3 Value Added Statement 9.4 Market Value Added 9.5 Profitability Ratio 9.5.1 Return on Equity 9.5.2 Return on Asset Chapter 10: 10.1 Recommendation 10.2 Conclusion References: Table: Table 1: Scenario of Deposit Table 2: Sectors Wise Credit Offered by City Bank Table 3: Sectors Wise Loans/Investment Table 4: Securities Against Loans and Investments Table 5 : Recovery Position Table 6: Capital Adequacy Ratio Table 7: Value Added Statement Table 8: Return on Equity Table 9: Return on Asset Graph: Graph-1: The Scenario of Deposit of City Bank Graph 2: Recovery Position of Loan Graph 3: Capital Adequacy Ratio Graph 4: Market Value Added (MVA) Flow Chart: Flow chart1: Organogram of Credit Department Flow chart2: Approval Process

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