A Case Study Of Bangladesh Commerce Bank Ltd

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Deposits

Fixed Deposit Account 21%

Time Deposit

9% 70%

Demand Deposit

Credit Division This department exercises the lending function; therefore, distribute its funds among various investments in a manner as to drive sufficient income. This division of the branch performs following tasks: •

Except the proposal of different loan from the customer

Investigate the customers and its work place.

Lending Risk Analysis (LRA)

Send report to the CIB for bigger loans

Issuing loan for the customer

Collecting Charge documents from the customers

Issuing CCS, SOD, small loan, Doctors credit scheme etc.

Monitoring the recovery

Report to the head office about recovery rate of different

Sending letters to the defaulter

Contact with defaulters etc.

Credit Risk Grading (CRG)

Sector wise allocation of credit during 2008 Table -6.7 Sector wise allocation of credit Sector

Total Account

Million (Taka)

% on total loan

Consumer Credit Scheme

111

657.52

13.3

Secured Overdraft

514

9249.97

46

18

36.08

10.2

Personal Loan


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