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