WELLCOME TO THE PRESENTATION ON

Application of Management theory and Practice of Robi Axiata Ltd

Group 4

Prepared By 1.Kazi mamun 1201141 2.Shafiqul Islam 1201142 3.ArfanulKarim 1201144 4.Ruhana Afrin Chy 1201147 5.Asif Chowdhury 1201148 Supervised By: Mr.ShahidulQuader Asistant Professor Dept.of Marketing & International marketing Faculty of Business Studies Chittagong University

Introduction
First private sector bank under joint venture Started its operation from April 12, 1982 Joint Venture with Dubai Bank Limited, UAE Opened * 82 Branches in Bangladesh * 1 in Mumbai, India * 1 in Hong Kong named AB International Finance Ltd.

Objectives of the Study

To know about ABBL at a glance. To know the credit instrument of the bank. To know about credit operations of the bank To critically evaluate the credit performance

of ABBL Bahaddarhat branch. To identify the areas of improvement in credit operations To recommend the bank for improving its credit performance.

ACTIVITIES OF THE BANK

Corporate Banking Corporate Lending Structured Finance Cards Brokerage Service Custodial Service Islamic Banking Foreign Trade Retail Banking

Unsecured Loans Secured Loans

CCS Loan Products

1. 2. 3. 4. 5. 6.

Q-Cash Staff Overdraft (unsecured) Q-Cash Customer Overdraft (unsecured) Auto Loan (unsecured) Personal Loan (secured) Personal Loan (unsecured) Personal Overdraft (secured)

SME Loan Products

1. 2. 3. 4. 5. 6. 7.

Gati Proshar Digun Sathi Choto Puji Uddog Awparajita

ABBL Sectorwise Outstanding of LODs as on December 30,2010 Special Scheme Others 100% Secured Loans Loan 1% 6% 4% Energy & Mining 2% Trading Contractual Works 25% 2% Services 11% Manufacturing 38% Agriculture 11%

Trading Agriculture Manufacturing Services Contractual Works Energy & Mining Others 100% Secured Loan Special Scheme Loans

Sector Wise LODs Position as on December 30, 2010

Industrial Sector
Trading Agriculture Manufacturin g Services Contractual Works Energy & Mining Others 100% Secured Loan Special Scheme Loans Total

Limit
15,064,919 6,444,920 23,816,061 6,427,150 1,693,475 1,016,647 393,408 2,633,006 2,095,618 59,585,204

%
25% 11% 40% 11% 3% 2% 1% 4% 4% 100%

Outstand ing
12,130,869 5,477,990 18,695,354 5,376,696 1,108,986 945,776 350,843 2,098,487 2,730,863 48,915,864

%
25% 11% 38% 11% 2% 2% 1% 4% 6% 100%

Growth in Loans and Advances

Total Loan Outstanding in the Year 2008-10
52,716 60,000 50,000 40,000 Amount 30,000 20,000 10,000 0 YEAR-2010 YEAR-2009 Year YEAR-2008 40,915.40 31,289.30

Series1

Interest Spread (%) of AB Bank

Particulars
Interest Paid Average Deposit Cost of deposits (%) Average Loans, Advances & Bills Interest Earned Interest Yield (%)

2010
3,774.74 48,496.77 7.78% 34,734.44 4,873.49 14.03%

2009
2,486.17 32,800.55 7.58% 25,365.32 3,201.25 12.62%

Credit Recovery

NPL Account Management Account Transfer Non Performing Loan (NPL) Monitoring NPL Provisioning and Write Off

MAJOR FINDINGS

Lack of interest in investing in agricultural sector Bad intention of customers default culture to pay regular loan installments. The branch is non-AD branch No Recovery Unit Bad/loss loan has increased from 2009 to 2010. Loan to employees is not retained
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RECOMMENDATIONS

Should increase investment in the agricultural sectors Should initiate extra facilities for early payers Reduce loan processing time Should reduce the dependency on zonal office and head office Should build up a strong credit recovery unit Should increase the volume of loan to the employee

THANK YOU ALL