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Loans and Foreign
Exchange Activities of
The City Bank Ltd.
Internship Report Presentation
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CEO
Head-Marketing Head- Corporate Head -GB
Branch
RM
Organizational Structure
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Learning partLoan Activities of The City Bank Ltd.
Types of Loans and Advances in CBL
Continuous Loan
Demand Loan
Term Loan
Agricultural & micro credit
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Overdrafts
SOD against Financial Obligations (FO)
SOD against Work Order (WO)Cash Credit
Cash Credit (Pledge)
Cash Credit (Hypothecation)
Continuous Loan
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LIM (Loan against Imported Merchandise)
LTR (Loan against Trust Receipt)
PCC (Packing Cash Credit)
ECC (Export Cash Credit)
Cash Incentive
EDF (Export Development Fund)
Demand Loan
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Short Term Industrial Loan, Mid Term Industrial Loan,and Long Term Industrial Loan
Transport Loan
House Building Loan (Commercial)
Loan against Fixed Deposit Receipt/ Eligible Financial Instrument
Term Loan
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Foreign Exchange Activities
equirements for doing export import business:
Import registration certificate. Export registration certificate. An account with a bank. Tax identification number certificate. VAT Membership certificate from the chamber of commerce.Business association and other required documents.
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Operations of a DocumentaryCredit
Step- 1
Customers written request of issuance of letter of credit.
Step-2Submission of necessary papers & documents along
with standard and approved L/C application form
duly signatory.
tep-3
crutiny of papers 7 documents submitter by the importer following documents be
submitted:
Indent/ Performa invoice
Insurance cover note with money receipt
Tax identification number (TIN) certificate
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Operations of a DocumentaryCredit
Step-4
Preparation of L/C proposal. Proposal to be placed to the competent authority for approval.Step-5
Approval of L/C proposal by the competent authority and terms & conditions there to.
Step-6
Allotment of L/C number.
Step-7Realization of margin and commission as per approval & schedule of charges.
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Operations of a DocumentaryCredit
tep -8
Transmission of L/C. Before transmission following things to be checked:
Whether the item applied for import is duly coded.
Price and demand of the importable item in the wholesale market.
Whether the queried price is competitive.
Confidential report/ opinion about the importer.
Germaneness of IRC.
Full descriptions of goods, quantity, unit price, total value inco-terms, derailed terms & conditions to be
checked.
Validity date of proforma Invoice/ indent to be checked.
Indenters registration number, genuineness of indenter.
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Operations of a DocumentaryCredit
Step-9
Advising of L/C.
Step -10
Confirming of L/C.
Step -11
Amendment of L/C.
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Conclusion
Commercial Banks play a vital role in the overall economic development as well socio-
economic development of any country. It also has a great impact on the economic system
of any country. It helps to make a strong relationship among the different units of theeconomic system.
As a first private sector Bank in our country, The City Bank Ltd. Plays a vital role in our
national economy, including employment generation, industrial development,
development in foreign exchange business, capital formation, implementation of monetary
policy etc.
In this report I tried my level best to focus all the functional are of CBL. The areas are deposit
collection, loans and advances and foreign exchange business.
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Ashis BanikPresented by
Thank you
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BBA
Daffodil International University