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Internship Report for IBA, Rajshahi University Page- 1- - - - -

AN OVERVIE O! "#E E$UIP%EN" &EA'E !INEN(IN#) O! PUBA&I BAN* &I%I"E+

Executive Summary

I have prepare this report as a part of y pra.ti.a/ eva/ation .orse !or this I ha the

opportnity to eva/ate the 2or3 at P4a/i Ban3 &iite, %otijhee/ Bran.h "he ration of

y sty 2as 50 ays It starte on 10thAgst, 6010 an .ontine nti/ 10th O.to4er,

6010

In the General part, I have 2ritten intro.tion, O4je.tive of the sty, %ethoo/ogy,

&iitation, !inings 7 Ana/ysis

In the Part-II, I have intro.e P4a/i Ban3 Ba.3gron of P4a/i Ban3, "heir

%anageent aspe.t, ission, vision, s/ogan, o4je.tive, Interest rate, Bran.hes, Inforation

"e.hno/ogy an Atoation is es.ri4e in this Part It a/so in./es finan.ia/ high/ights of

%otijhee/ Bran.h of P4a/i Ban3, 2here I ha .op/ete y internee

Part-III in./es &oan an avan.e progra, (/assifi.ation of /oan an Avan.e, Ban3

)aranty, Re.overy of /oan et. 2here I ha .op/ete y internee

Part-IV, I have is.sse a4ot y "opi. 2hi.h is re/ate to the &ease !inan.ing, here I

a/so sho2 the &ease app/i.ation for an ne.essary a// o.ent of /ease finan.ing

In Part-V, I have is.sse a4ot the &ease finan.ing I is.sse Perforan.e of P4a/i

4an3 &iite 4y graphi.a/ representation

Part-VI,I in./e the Pro4/es of eipent /ease finan.ing ner /oan 7avan.es

An Part-VII, I is.sse re.oenation an .on./sions

In this report, I have trie to es.ri4e the pro.ts provie 4y the %otijhee/ Bran.h

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GENARAL PART

1. INTRODUCTION

Ban3 is a finan.ia/ intereiary a..epting eposits an granting /oans offers the 2iest

en of servi.es of any finan.ia/ instittions

Ban3 provies ifferent servi.es /i3e payent, .reit, savings, insran.e, se.rity

4ro3erage, investent 4an3ing, er.hant 4an3ing, .ash anageent, rea/ estate an

.onity eve/opent Ban3s p/ays a vita/ ro/e in an e.onoi. .onition of a .ontry A

nation:s e.onoi. goa/ .an 4e a.hieve throgh 4an3 4y .ontro//ing over oney, .reit an

interest rate A .ontries e.onoi. .onition 4e.oes soother if its 4an3ing syste is

stronger

P4a/i Ban3 &iite is engage in a// types of .oer.ia/ 4an3ing servi.es 2ithin thestip/ations /ai o2n 4y Ban3 (opanies A.t 1551 an ire.tives as re.eive fro

Bang/aesh Ban3 fro tie to tie It has ;51 4ran.hes a// over Bang/aesh "hrogh its

hge 4ran.hes P4a/i Ban3 is serving strong/y in the so.io e.onoi. .onition in

Bang/aesh E.onoy 4e.oes eve/ope 4y sing the overa// 4an3ing syste Ban3s

.o//e.t oney fro the epositor an give /oan to the varios investors, at soe fi


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2. OBJECTIVES OF THE STUDY

In the /ight of the a4ove is.ssions the sty is esigne to attain the fo//o2ing o4je.tives=

1 "o asses the /oan is4rseent position of P4a/i Ban3 &t %otijhee/ (orporate

Bran.h

6 "o ientify 7 eva/ate /ease finan.ing syste of P4a/i Ban3 &iite

; "o eterine the .riti.a/ ana/ysis of Eipent &ease !inan.ing of P4a/i Ban3

> "o eterine /ease vs 4y e.ision regaring eipent /ease finan.ing

? "o ientify an eva/ate .hara.teristi.s of ifferent types of /oan an Avan.es

offere 4y the Ban3 7 eterine the target ./asses of peop/e an e/igi4i/ity to

O4tain &oan an Avan.es

@ "o ientify ho2 /ease finan.ing he/ps to eet organiationa/ goa/s

9 "o ientify pro4/es of eipent /ease finan.ing ner /oan 7 avan.es 7 provie

re/ative sggestion of these pro4/es

3. METHODOLOGY OF THE STUDY

"he sty is 4ase on 4oth theoreti.a/ an epiri.a/ sty

Theoretical study:

"heoreti.a/ sty is 4ase on se.onary ata 2hi.h are .o//e.te in the fo//o2ing 2ays=

1 "he ifferent finan.ia/ ata for ana/ying prpose has 4een .o//e.te fro the

anna/ reports an prospe.ts of P4a/i Ban3 &iite

6 Avai/a4/e /iteratre s.h as 4oo3s, jorna/s, ne2s/etter, resear.h reports re/ate to

the topi.s have 4een .ons/te an e/e.troni. ateria/s /i3e ifferent 2ave sites have

4een visite to prepare the theoreti.a/ frae 2or3 of the sty

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Empirical study:

Epiri.a/ sty is 4ase on priary ata an se.onary ata 2hi.h are .o//e.te in the

fo//o2ing 2ays=

"he priary ata in./e intervie2s 2ith the 4an3ers +ring the internship perio I

is.sse 2ith the .on.erne persons 2ith the ifferent aspe.ts of the topi. ner sty

"here 2ere a/so opportnities to a3e ./oser /oo3 a4ot the ifferent po/i.y in ifferent

4an3ing systes "he ethos, o4servation an intervie2, has 4een fo//o2e in this respe.t

On the other han se.onary ata are .o//e.te fro ne2spaper, internet an ifferent

jorna/s

4. LIMITATIONS OF THE STUDY

In the tie of internee perio I got the opportnity to 2or3 in )enera/ Ban3ing +ivision,

&oans 7Avan.es +ivision Espe.ia//y I trie to 3no2 etai/s a4ot the Eipent &ease

!inan.ingC ner /oan 7 avan.es 2hi.h is y ain topi.

+e to the opportnity of pra.ti.a/ orientation to the fa.t ring the sty, the finings sho2

a very ./osest pi.tre of the rea/ sitations Bt this sho/ 4e se .onsiering the

fo//o2ing /iitations

1 ithin very short perio it is very iffi./t for iagnosing an iportant aspe.t a4ot

.reit pro.ere

6 Ban3 in:t provie a// ne.essary inforation of /ease finan.ing for their 4an3ingse.re.y

; "he Ban3 personne/ are very 4sy

> !ro se.onary sor.es 2e have not got avai/a4/e re/evant ata %oreover, I have

no proper 3no2/ege to .o//e.t se.onary ata

? P4a/i Ban3 &iite is a 4ig organiation It 2as very togh to nerstan

everything 2ithin this short tie

@ "his sty 2as .op/ete/y 4ase on offi.ia/ re.ors an anna/ reports

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9 Another /iitation of this report is Ban3:s po/i.y of not is./osing soe ata an

inforation for o4vios reason, 2hi.h .o/ 4e very .h sef/

5. NATURE OF ANALYSIS

By ana/ysis of the P4a/i Ban3 &iite I got si< parts fro these finings 2hi.h are

e


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TECHNICAL PART

Chap!"#1

5. ORGANI$ATIONAL PROFILE OF PUBALI BAN% LIMITED.

5.1.1 A& O'!"'(!) *+ Ba&,-a!/h0/ Ba&(&, E&'("*&!&

"he 4an3ing instry in Bang/aesh is ore than @0 years o/ "he (entra/ Ban3 of the

.ontry Bang/aesh Ban3 .ontro/s an onitors the 4an3ing instry At present, there are

;> D/o.a/, foreign .oer.ia/ 4an3s, ? eve/opent finan.ia/ instittion, 19 finan.e an

/easing .opanies in Bang/aesh )overnent has re.ent/y isse /i.enses to 8 er.hant

4an3s Priary e.ision has 4een ta3en to a//o2 another .op/e of /o.a/ .oer.ia/ 4an3s

soon

5.1.2 PUBALI Ba& L((!

PUBA&I BAN* &I%I"E+ is the /argest (oer.ia/ Ban3 in Private 'e.tor in Bang/aesh

It provies ass 4an3ing servi.es to the .stoers throgh its 4ran.h net2or3 a// over the

.ontry "his Ban3 has 4een p/aying a vita/ ro/e in so.io-e.onoi., instria/ an

agri./tra/ eve/opent as 2e// as in the overa// e.onoi. eve/opent of the .ontry

sin.e its in.eption throgh savings o4i/iation an investent of fns +ring the /ast ;

years the gro2th rate of 4an3Fs earnings is ore than 6?G on average

5.1.3 V(/(*& a& M(//(*& *+ h! Pa-( Ba& L.

Vision

"o e


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Mission

"o 4e the ost aira4/e private (oer.ia/ Ban3 in the .ontry "o get re.ognition as a

ynai., innovative an .stoer spportive Ban3 "o aintain .ontinos an steay

gro2th 2ith tost transparen.y an to iversify eve/opent of resor.es "o enhan.e

.ontinos eve/opent of Inforation an "e.hno/ogy to eet the ean an .ha//enges

of the tie

Slogan of P!

"o 3eep .ontine the gro2th 2ith reptation an so.ia/ responsi4i/ity, it has its o2n s/ogan

is, "#i-thi$$er path %eya arthonaytic agrogoti&

5.1.4 H(/*"6 *+ Pa-( Ba& L((!

P4a/i Ban3 &iite the s..essor of the forer Eastern %er.anti/e Ban3 &iite

in.orporate in 15?5 ner the .opany:s a.t 151; Eastern %er.anti/e Ban3 &t 2as

nationa/ie ner Bang/aesh Ban3Fs DNationa/iation Orer 1596 an 2as renae as

P4a/i Ban3 It 2as enationa/ie on ;0 Hne 158; ner the Bang/aesh Ban3Fs

DNationa/iation Aenent Orinan.e 158; In 1596, the athorie an pai p .apita/

of P4a/i Ban3 2as "3 ?0 i//ion an "310 i//ion respe.tive/y At the tie of

enationa/iation in 158;, the pai p .apita/ of the 4an3 2as "360 i//ion In 158>, the

athorie an pai p .apita/ of the 4an3 2as enhan.e to "31@0 i//ion ivie into 1@

i//ion orinary shares of "3100 ea.h In the sae year, the 4an3 .reate a reserve fn of

"36;0 i//ion !o//o2ing the e>6 i//ion in +e.e4er 1555 "he 4an3 is /iste 2ith

4oth +ha3a an (hittagong 'to.3 E0511 i//ion in +e.e4er

158> "ota/ /oans an avan.es of the 4an3 ring these t2o referen.e perios 2ere

"3>91@> i//ion an "3 >,;;;>@ i//ion respe.tive/y "ota/ /ia4i/ities Dassets of 4an3

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2ere va/e at "3 9,6;;@> i//ion on ;1 +e.e4er 158> (opare to these, the va/e of

tota/ eposits, tota/ /oans an avan.es, an tota/ /ia4i/ities Dassets on ;1 +e.e4er 6000

2as "3 65,?501 i//ion, "3 61,?966 i//ion an "3 ;;,>;@5 i//ion respe.tive/y "he

eposits .oprise savings eposits "3 11,@08@ i//ion, fi-e4er 4oar of ire.tors 2ith the anaging ire.tor as its .hief e rra/ an the tota/ n4er of its

ep/oyees 2as >,886 No2 the 4an3 has ;514ran.hes

99
http://banglapedia.search.com.bd/HT/T_0217.HTMhttp://banglapedia.search.com.bd/HT/P_0287.HTMhttp://banglapedia.search.com.bd/HT/P_0287.HTMhttp://banglapedia.search.com.bd/HT/T_0217.HTMhttp://banglapedia.search.com.bd/HT/P_0287.HTMhttp://banglapedia.search.com.bd/HT/P_0287.HTM


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5.1.7 B"a&8h N!)*" 9 O&-(&! Ba&(&,

PB& is the /argest private 4an3 in Bang/aesh "he 4an3 2ithin stip/ation /ay o2n 4y the

4an3 .opany a.t 1551 an ire.tives as re.eive fro Bang/aesh 4an3 fro tie to tie

provie a// types of .oer.ia/ 4an3ing servi.es It has ;89 4ran.hes A// over the .ontry

an a/so en/iste the +ha3a an (hittagong sto.3 e 4ran.hes

5.1.: A& *'!"'(!) *+ Pa-( Ba& C*"p*"a! B"a&8h; M*(0

A+ 'tats = A+ Bran.h

)enera/ %anager = 01 )%

%anager +)% = 01 D+)%

A)% = 0>

No of Ep/oyee = @9

'()(* F(&a&8(a- H(,h-(,h/*+ PBL. M*(


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Parti./ars Jear 6005

Agst 'epte4er O.to4er

+eposits 1@@@8 18;;; 15@86

Avan.es >9>9@ ?1586 ?;>50Profits 1606 1;9? 1?80

Iport >?>95 ?1?;8 @1006

E6@9> >95>8

In2ar Reittan.e 861 @91 1605

Ot2ar Reittan.e 1655 ?06 1>01

Per.entage of ./assifie /oan to "ota/ /oan K >?@G

Ta%le-.)'or.e= Anna/ report 6005

/omment:2e .an see in this ta4/e that, in the onth 'epte4er eposit, Avan.es, Profit,

Iport an e?65G

Iport >68G

E


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'()(0 3rgani4ational !ayout: 5ierarchy of the an:

+epty %anaging +ire.tor

)enera/ %anager

+epty )enera/ %anager

Assistant )enera/ %anager

'enior Prin.ip/e Offi.er

Prin.ip/e Offi.er

'enior Offi.er

Offi.er

Hnior Offi.er

%essenger

99

%anaging +ire.tor


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5.1.1= I&+*"a(*& T!8h&*-*,6 a& A*a(*&

!or giving i.3 .stoer servi.e a// the ;51 4ran.hes of the Ban3 have 4een .opterie

in./ing 4ran.hes sitate at the reote areas /i3e 'an2ip, 'hi4erhat, %ehigonjet. As

a res/t, i.3 an 4etter .stoersF servi.e is 4eing possi4/e 2ith /ess anpo2er

Inforation "e.hno/ogy +ivision is proviing f// tie spport servi.e for #ar2are 7

'oft2are at the Bran.hes "i// no2 Ban3 are sing Ban3ing 'oft2are prepare in o/

ethos 4y otsie venor fir Ban3 starte to eve/op an iprove %/ti ser (/ient

'erver Ar.hite.tre syste 'oft2are .a//e P4a/i Integrate Ban3ing 'yste DPIB',

ena4/ing to give one stop servi.e to its ./ients "he 'oft2are is 4eing se in RL %ission

Roa, +ha3a Rai/2ay 'tation, 'hishpar3, !a3irapoo/, %a/i4agh, 'onargaon #ote/,

E/ephant Roa, 7 Rapra Bran.hes of +ha3a (ity very s..essf//y After .op/etion of

this transition, the Ban3 2i// ta3e steps to eve/op its o2n on-/ine Ban3ing soft2are 2hi.h

2i// 4ring a ne2 era in 4an3ing se.tor As a res/t, the nae of P4a/i Ban3 &t in./e in

or/ E/e.troni. +ata4ase "o eet the ean of tie P4a/i Ban3 &t is preparing to

enter in A"% or/ In this respe.t, re.ent/y the Ban3 e


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5.1.11. 3>1 B"a&8h!/ *+ *'!"a-- Pa-( Ba&

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Chap!"#2

5.2 LOAN AND ADVANCES BAN%ING

5.2.1 L*a& a& A'a&8! P"*,"a

"his se.tion /ens the fns 2hat the 4an3 o4i/ies its varios eposit a..onts "his is

the 'e.on fn.tion of the Ban3:s t2o generi. fn.tions=

+eposit o4i/iation

(reit (reation

'in.e ajor part of 4an3:s in.oe is erive fro .reit an sin.e the 4an3s .reite its

.stoer:s fn, 4an3 sho/ ta3e e


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#d6ance:Avan.e pro.ess ain/y se for those peop/e 2ho are re/ate 2ith 4siness In

this pro.ess the 4an3 give /oan to the 4siness an, 4t not the 2ho/e eana4/e aont

at a tie Ban3 give /iit to the /oan a4/e aont an ./ient .annot .ross the /iit (/ient

.an eposit an 2ithra2 oney 2ithin this /iit

Secured #d6ances:'e.re avan.es are those avan.es 2hi.h are se.re

4y tangi4/e se.rities of aeate va/e over 2hi.h the 4an3 has either

a4so/te or .onstr.tive .ontro/ in aition to the persona/ garantee of the

.stoer here the avan.e is se.re, the se.rity .an 4e enfor.e in .ase

of efa/t 4y the 4orro2er, that is the se.rity .an 4e so/ an the sa/e

pro.ees ajste against the /oan a..ont after giving proper noti.e or

ta3ing /ega/ a.tion throgh the (ort for the prpose

7nsecured #d6ances: An nse.re or ./ean avan.e is one 2hi.h is

grante to a .onstitent of no4te staning an re/ia4i/ity an on/y in

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3n the Side of /lient: (/ient ta3es /oan fro 4an3, 4e.ase they on:t have

sffi.ient aont of oney By getting reire /oan fro 4an3 they are a4/e

to o 4siness an earn /ot of profit By sing this /oan they 4i/ p

instry, i//s, fa.tory et. an so/ve /ot of nep/oyent pro4/e in the

.ontry an ths a3e the .ontry high/y prosperos

'(2(8( !ending principle follo1ed:

"he /ast an the ost fnaenta/ prin.ip/e of /ening are the integrity an re/ia4i/ity of the

4orro2er "o avoi 4a e4t, it is the 4asi. fa.tor 4efore any /oan proposa/ .an 4e

.onsiere "he sty of a 4orro2er invo/ves the sty of the si< (:s of the Party "his si insta//ents hen any ./ients 2ant to ta3e/oan fro 6 /a. to ; /a. then he st s4it "IN paper, origina/ inforation a4ot sa/ary

(/ient a/so pr.hases a for 4y 60"3 an sign in the proissory note Agent:s gets ;G

.oission @0G of Agent:s .oission is pai in the tie of /oan perio an rest >0G

pai after re.overy the /oan In the tie of #ose #o/ /oan aont is 1 /a. to ; /a. an for

pr.hasing (ar /oan aont is at /east 10 /a. or 1? /a. Va/iity for this /oan is ain/y 6

year

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)(0 !ease Finance(

+o.ent sho/ 4e .o//e.te in the tie of &ease !inan.e=

App/i.ation for &ease !inan.ing

Persona/ net orth 'tateent of Inivia/Partner+ire.tor

&ease Agreeent

Ban3 3eeps Avan.e (hee 2ithot ate

Unerta3ing 4y &essee

+ean proissory Note Dsing/e

+ean proissory Note DHoint

&etter of (ontinity

"rst re.eipt

(ertifi.ate of &ease E


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.a//e the 'retyC or )arantorC, the person on 2hose a..ont the garantee is given is

.a//e the Prin.ipa/ +e4torC an the 4enefi.iary of the garantee is .a//e the (reitorC

Before giving a Ban3 )arantee ./ient st pai f// aont or sffi.ient fn 3eeps in

Ban3 In .ase of E


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'(2(). /redit In6estigation factors:

Before san.tioning any .reit to the Borro2er the .on.ern 4ran.h of that Ban3 first/y

investigate a4ot the Borro2er, Proje.t, a..epta4i/ity, ar3et sitation et. Varios types of

investigation are is.sse 4e/o2=

).() Purpose= Prpose sho/ 4e the priary giing prin.ip/e 2hi.h is 3ept in vie2 "he

prpose for 2hi.h /ening is ae sho/ 4e pro.tive as to ensre efinite sor.e of

repayent Ban3s is.orage for avan.es for #aring sti.3s or for spe./ative a.tivities

"here are o4vios ris3s invo/ves there in a part fro the anti-so.io natre of s.h

transa.tion "he Ban3er st ./ose/y s.rtinie the prpose is app/ie 4y ay .on.ept of the

Borro2er a..oring/y Prpose has asse a spe.ia/ signifi.an.e in the present Ban3ing

).(2 Verification of the Primary Securities= henever a oney/ener /ens oney, he

st .onsier .aref//y the .han.es of his 4eing repai 4y the Borro2er an is therefore not

nora//y .ontent to re/y on the o4/igation of the Borro2er a4ove 4t 2ants soe tangi4/e

se.rity fro 2hi.h he .an o4tain repayent, in .ase the Borro2er is na4/e to eet his

o4/igations, "he Ban3er a/so, a3es avan.es an /oans, natra//y 2ants to se.re hi 4ysoe re/ia4/e se.rity, 'e.rity is .onsiere as insran.e to fa// 4a.3 pon in .ase of

eergen.y Ban3ers ay, rea/ie it an, rei4rse these/ves if the 2e// .a/./ate ost

.ertain sor.e of repayent ne


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signe 4y an Athorie person to operate the a..ont "hese stateents are to 4e .are f//y

verifie to see the trnover of sto.3, the pri.e of the )oos, $a/ity of the )oos et. "he

pri.e st 4e ae ar3et pri.e or invoi.e pri.es 2hi.hever is /o2er A .opy of the

stateent is 3ept at the 4ran.h an the other one is sent to #ea Offi.e Regiona/ Offi.e

).(8 Verification of the /ollateral Securities= (o//atera/ 'e.rity is a se.rity, 2hi.h is

iova4/e fro one p/a.e to another A Bran.h %anager a/2ays sho/ noti.e the

verifi.ation of the .o//atera/ se.rities that a Ban3 san.tione to the Borro2ers A %anager

sho/ 4e verifie=

I &o.ation

II Possession

III 'itation

IV Present %ar3et Va/e

V !or.e sa/e va/e of the se.rity as if the Ban3 .an sa/e the

se.rity 2hen the 4orro2er fai/ to repay

'(2()) Sanction of !oan:

hen a Bran.h %anager 2rites a /etter to a..epting a// ters an .onitions of /oan, it is

.a//e /oan san.tion "he .onitions, 2hi.h in./e in the /oan san.tions these, are given

4e/o2=a &iit

4 Priary 'e.rities

. (o//atera/ 'e.rities

"he Rate of Interest

e E


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'(2()2 Super6ision:

'pervision is very iportant in the aspe.t of /oan 'an.tioning an +is4rsing pro.ess

Be.ase, if the Ban3 fai/e to ientify the rea/ 4orro2er on that tie there e


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"he Ba/an.e of a..ont reains very near or goes 4eyon the ra2ing /iit or there

is no goo trnover

"he Ba/an.e is stagnant

(hees ra2n 4y the party are retrne for storage of fn

Post-ate .hees are isse 4y the Party

(hees ra2n 4y the Party are freent/y .onterane finan.ia/ position

'(2()8 >eco6ery:

Avan.e is s.h 3in of arrangeent that its ./ients are repaya4/e this either on ean or

at the e


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hen any ./assifie /oan fa// in '4-'tanar or +o4tf/, here is possi4i/ity to re.overy

/oan 4t 2hen /oan fa// in Ba or &oss then it is so togh to re.over for the 4an3er 'o 4an3

sho/ o4serve a// tie so that no /oan .an 4e transferre into Ba &oan

'(2()' Salient features of !oans A #d6ances:

1 P4a/i Ban3 &iite offers .reit fa.i/ities to a/ost a// the se.tors of .oer.ia/

a.tivities in Bang/aesh

6 It offers .reit fa.i/ities to inivia/s, 4siness en, sa// an /arge 4siness

hoses, traers, anfa.trers, .orporate 4oies et.

; &oan fa.i/ities are a/so provie to the rra/ peop/e for agri./tra/ pro.tion

> &oan pri.ing is .heap an reasona4/e

? "he Ban3 is ensring i.3 isposa/ of /oan proposa/

@ (reit fa.i/ities are e


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Chap!"#3

L(!"a"! "!'(!) *+ !?(p!& -!a/! +(&a&8(&,

&ease finan.ing ner /oans 7 avan.es is no2 very pop/ar for 2hi.h .stoers areintereste A/thogh &easing is often thoght as a oern ays finan.ing te.hnie,

ini.ators are that /easing transa.tion too3 p/a.e aron 6000 4. 2hen 'erian farer

/ease too/s fro tep/e priest One 2ay of o4taining the se of eipents is to 4y

the ,4t an a/ternative is to /ease thePrior to 15?0s,/easing genera//y 2as asso.iate

2ith rea/ estate M&an,7 4i/ings "oay , ho2ever,it is possi4/e to /ease virta//y any 3in

of fi ore than 6?G of a// ne2 .apita/ eipent a.ire 4y

4sinesses 2as /ease No2 it is s..esse in 100G

&a2ren.e 7 )itan 'ays that,

A lease is an agreeent 2here4y the /essor .onveys to the /essee in retrn for a payent or

series of payents the right to se an asset for an agree perio of tie &ease is a .ontra.t

4et2een a /essor an /essee::

"he ter /essee is pronon.e &ess-eeC 7 /essor is pronon.e /ess-orC

!essee:"he re.eiver of the servi.es of the asset ner a /ease .ontra.t

!essor:"he o2ner of assets that they are 4eing /ease E


31/77



'(8 !ease Financing:

'(8() ;efinition of leasing:

"he pro.ess 4y 2hi.h a fir .an o4tain the se of .ertain fi


32/77



an /arge pie.es of eipent It is sii/ar to /ong ter e4t "he /ease transfers o2nership

of the property to the /essee 4y the en of the /ease ter

'(8(9 #d6antages of lease financing:

"he .oon/y .ite avantages of /easing as fo//o2s=1 In a /ease arrangeent, the fir ay avoi the .ost of o4so/es.en.e if the /essor fai/s to

anti.ipate a..rate/y the o4so/es.en.e of assets an sets the /ess payent too /o26 A /essee avois any of the restri.tive .ovenants that are nora//y in./e as part of a

/ong ter /oan; "his .an 4e avantageos for a fir that is short of 2or3ing .apita/ or in a /iiity

4in> &easing a//o2 the /essee, in effe.t, to epre.iate /an, 2hi.h is prohi4ite if the /an

2ere pr.hase

? &easing provies 100 per.ent finan.ing@ hen a fir 4e.oe 4an3rpt or is reorganie, the a If a /essee /eases an asset that s4seent/y 4e.oes o4so/ete, it sti// st a3e /easepayents over the reaining ter of the /ease "his is tre even if the asset is nsa4/e

'(8( #rticle of e?uipment lease financing:

(ash-starve 4sinesses ay 2ant to .onsier /easing, rather than 4ying, eipent

&easing affors yo a..ess to any types of eipent= .opters, .opy a.hines, fa1,0>5,855

99


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2ithin 1 year

&ease renta/ re.eiva4/e

2ithin ? year

;,0>1,;68,?;? 6,?9;,156,?1@

&ease renta/ re.eiva4/e after

? year

;,;5>,?8> 6,>>6,>19

"ota/ &ease renta/ re.eiva4/e ;,168,@>;,@?6 ;,>1@,@8>,8;6

Unearne interest re.eiva4/e 800,9>6,889 9;5,11?,58@

Net &ease finan.e 6,;69,500,9@? 6,@99,?@8,8>@

'or.e= Anna/ report 6008 7 6005Ta%le-9

/omment: #ere 2e see the tota/ aont of /ease finan.ing 6008 an 6005 of P4a/i Ban3

&t, "he a// aont are in.rease at 6005 than 6008 that eans this Ban3s &ease finan.ing

servi.es is goo

'(8(0 The Total Procedure of E?uipment lease Financing of Pu%ali an !td:-

0() Step ):At first, &essee (opany 2i// reest for /oan to %otijhee/ Bran.h of P4a/i

Ban3 &t In this reest /etter, stateent of 4oar reso/tion an stateent of passe

reso/tion st have to 4e en./ose 2ith this reest /etter

"hen, &essee (opany has to app/y for eipent /ease finan.e &ease app/i.ation for is

given 4e/o2=

>.1.1. L!a/! App-(8a(*& F*"

Th! Ma&a,!"

Pubali Bank Ltd.

99

Pi.tre


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Branceh

.

S App-(8a(*& +*" +*" p"*8"!!& *+ 8ap(a- a8h(&!"6@!?(p!& &!"

-!a/! a""a&,!!&/.

Dear sir,

I / We intend to avail of lease financing from Pubali Bank Ltd, Motiheel cor!orate

Brance. I / We furnish the follo"ing !articulars # bind m$self / ourselves to furnish

$ou "ith an$ other information # com!l$ "ith the re%uired formalities "hich $ou

ma$ need an$ time.

=1. I& 8a/! *+ C*pa&6

&. 'ame of (om!an$...B. Legal status )Individual !artnershi!, Limited com!an$*(. +ffice address "ith !hone no.D. Mill / actor$ address "ith !hone no

)Memorandum # articles of association along "ith certificate of incor!oration

are to be attached*-. Date of incor!oration ..Date of commencement of Business. hare ca!ital

i. &uthoried ca!ital0 12dividend into .share of 12

eachii. Paid u! ca!ital0 12.

=2. Pa"(8-a"/ *+ ("!8*"/ @ pa"&!"/ @ p"*p"(!*"/

'ame Position &ge 3esidential address #

Permanent address

"ith tele!hone number

hareholder

orm L456

99

Aont G


37/77



=3. I& 8a/! *+ (&('(a- @ P"*p"(!*" *+ -*a&

'ame 0 ........

ather / 7usband name 0 ............

Mother name 0 .

Date of birth 0 .

Marital status 0............. e80

...

3esidential address 0 .............................

........................................

Permanent address 0 .

+ccu!ation 0 .......... Monthl$ income0

Pass!ort no )If an$* 0 ..... Issued on0 ......... Issued b$0

Income from other source 0 ource...... Monthl$ income.

1ele!hone 0 +ffice3esidence..Mobile..

=4. I& 8a/! *+ pa"&!"/h(p +("p-!a/! aa8h 8*p6 *+ "!,(/!"! pa"&!"/h(p

!!

'ame of

the

!artners

ather9s / 7usband9s name

# Mother9s name

&ge &ddress "ith tele!hone number

=5.Date of establishment )In case of individual / !artnershi! firm*0 ..

99

Resientia/ Peranent


38/77



=7. 1rade license no..Date..:alidit$.....

=:. 1I'0 ....:&1 3egi. 'o. if

an$

=. N! )*"h *+ P"*p"(!*"/ @ Pa"&!"/ @ D("!8*"/ *+ h! 8*pa&6 a/ p!" LF#

=2

'ame of the Pro!rietor /

Partner / Director

1otal value of

asset

1otal value of

liabilit$

Personal net

"orth

=>.&ccount number # Date of o!ening0

1=.Brief descri!tion of e8isting business0 ......

11. A&&a- "&*'!" *+ h! A88*&/ @ B/(&!//

12. D!/8"(p(*& *+ !?(p!& p"*p*/! &!" h(/ -!a/!

Descri!tion of

e%ui!ment "ith

countr$ of origin

'o. of unit ;nit Price 1otal Price 3emark

13. Na! 9 a"!// *+ /pp-(!" 9 *! *+ !-('!"6

99

In !( In "*


39/77



'ame # address of

su!!lier

Deliver$

chedule

Mode of deliver$ 3emarks

)Details in se!arate sheet ma$ be furnished if necessar$*

14.Pur!ose of "hich lease is re%uired0.....

15.Place of installation of -%ui!ment/(a!ital Machiner$

17.P"*8"!!& 8*/ *+ E?(p!&

(# (ost/Procurement (ost 12

)&s !er %uotation / Indent / Performa Invoice*

Less0 Do"n Pa$ment, if an$ 12 .......

ub 1otal 12 ....

&dd0 Dut$ / :&1 / +ther (ost etc. 12 .....

T*a- P"*8"!!& C*/ T%...........

1:.&c%uisition (ost/Lease inance 12 ..............

1.-8!ected Data of Lease -8ecution0 .

1>.Lease 1erms ........... Months e8cluding ..... months of grace

!eriod.

2=.Date of 6st3ental to be !aid to the Bank .

21. Pa"(8-a"/ *+ ,a"a&*" /; (+ a&6

'ame,

ather9s/7usband9s

name# Mother9s

3esidential and

Permanent

&ddress

&ge Profession 'et

"orth

3elationshi!

"ith

&!!licant

)Details of


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ull Descri!tion of ecurities +"ner :alue of ecurit$ 3emarks

23. L(a(-(6 P*/((*& *+ h! App-(8a(*& )(h Pa-( Ba& L. ..B"a&8h

A/ *&

'ature

of Limit

&mount

of Limit

:alidit$

of Limit

+utstanding

)in crore*

1$!e and

:alue of

(ollateralecurities

&nnul

1urn

+ver)in(rore*

(lassification

tatus

)If re%uired the liabilit$ !osition ma$ be furnished in se!arate sheet.*

24. L(a(-(6 P*/((*& *+ h! /(/!" 8*&8!"& @ G"*p *+ h! App-(8a(*& )(h

Pa-( Ba& L.;.....................B"a&8h a/ *&.....................

'ame

of

Borro"

er

'ature/

1$!e of

&ccount

&mo

unt

of

Limit

:alidi

t$ of

Limit

+utstan

ding )in

crore*

1$!e and

:alue of

(ollateral

ecurities

&nnul

1urn +ver

)in crore*

(lassifica

tion

tatus

)Details of liabilities of sister concern of &!!lication "ith the Branch be furnished in

se!arate sheet*

99


41/77



25. L(a(-(6 P*/((*& *+ h! App-(8a(*& )(h *h!" "a&8h!/ *+ Pa-( Ba&

L. I+ a&6 a/ *& .

'ame of

Brunch

'ature

of Limit

&mount

of Limit

:alidit$

of Limit

+utstanding

)in crore*

1$!e and

:alue of

(ollateral

ecurities

(lassification

tatus

)Details of &!!lication "ith other Branches of Pubali Bank Ltd. be furnished in

se!arate sheet*

27. L(a(-(6 p*/((*& *+ h! App-(8a(*& a& (/ /(/!" 8*&8!"&@G"*p )(h

*h!" a&/

'ame of

borro"ing

(oncern /


42/77



rental

I/We do hereb$ declare that the !articulars furnished above are true and correct to

the best of m$/our kno"ledge. I/We authorie $ou to obtain and / or verif$ from an$

source "hatever information regarding m$/our credit "orthiness.

=ours faithfull$

S!a- 9 S(,&a"! *+ h! App-(8a(*&

Na!

A"!//

Da!

In .ase of app/i.ation for other re/ate o.ents of ea.h o2ner of /essee .o st 4e

en./ose s.h as=

a Persona/ net 2orth stateent 0f the proprietorpartnerire.tor

4 Nationa/ I+ .ar

. A .opy of otation of eipent 2hi.h in./e Bran, .o/or, pri.e per nit et. 7

It 2i// 4e .o//e.te fro se//er

!or M LV

e 'tateent of Retrn of a//otent a..oring to .opanies a.t 155> D'e.- 1?1 !ro

Hoint sto.3 .opany

f Others Ban3 /ia4i/ity position

g 'tap of 60 "a3a a..oring to Registrar 4y Hoint 'to.3 (opany

h !or LII

i Parti./ars of +ire.tors %anagers 7 o2ners a..oring to .opanies A.t 155>

Registrar of Hoint sto.3 .opany

j 'tateent of in.oe ta


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3 +o.ent of +ean +eposit transa.tion of other Ban3s s.h as Uttara Ban3,

#'B( et.

/ Ne


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7nder 2#:

Iniry !or= (IB -6A

DO2ners inforation if 4orro2er is instittion

Inforation:s are given 4e//o2=-

1 Nae of the 4an3=

6 Nae of the Bran.h=

; Uner the istri.t of =

> Bran.h (oe No=

? Referen.e no of 4ran.h =

@ Referen.e no of #ea Offi.e =

9 Borro2er .oe D If avai/a4/e=

8 !// nae of Borro2er =

5 !// nae of o2ner =

10 A44reviate nae of o2ner =

11 !ather:s nae =

16 %other:s Nae=

1; #s4an:s Nae D In .ase of inivia/

1> Aress =-

a Peranent =

4 Bsiness =

. !a.tory

1? 'tats of o2ner =

=e@t, Promise letter

After that eniry for, /essee .o 2i// s4it a proise /etterC a..oring to anne


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0(2 Step 2:Proposa/ for san.tion /etter to hea offi.e of PB& 2hi.h 2i// 4e sent 4y

%otijhee/ (orporate Bran.h of PB&

Inforation:s of this /etter are given 4e/o2=

a Nae of propose Borro2ing=

4 Nae of +ire.tors 7 'hareho/ers=

. Natre of Bsiness=

Ite of pro.t=

e &iit of fa.i/ity=

f &iit Approa.h for=

g &ease finan.e aont=

h +es.ription of eipent=

i A..ont position=

j 'e.rity=

3 'pe.ia/ .onsieration=

/ A..ont position as per #O instr.tion=

Bran.h Position 7 negative /ist=

n Re.oenation=

"he f/o2ing o.ent 7 for st 4e en./ose 2ith this /etter

i Pri.e verifi.ation report

ii (reit proposa/ an approva/ for

0(8 Step 8: 'an.tion /etter

In this step, 2e .an sho2 an e


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At first,

Bran.h has to o4tain the fo//o2ing papers 4efore is4rseent of /ease fn

I Va/i trae /i.ense

II (R) 2ith proje.te B'

Other re/ate .onitions are given 4e/o2=

.)Nae 7 aress of /essee= Virgo phara.eti.a/s /t

2(./ease finan.e fa.i/ity= "3 ?>,>0,000

2()Natre of fa.i/ity= /ease finan.e

2(2Nae of ites= An eipent D.argo tr.3

'& +es.ription of

eipent

Reg/ation

$ty nit .ost "ota/ .ost 'pp/ier

1 .argo "r.3 1 "3@800000 "3@800000 "A"A

%otors /t

2(8Prpose= to a.ire eipent D.argo tr.3

2(9Pro.reent .ost= "3 @8/a.

2(' +o2n Payent= "he /essee 2i// have to eposit "3 1;@0 /a. on/y to PB& %otijhee/

Bran.h, +ha3a as o2n Payent

2( A.isition .ost= Pro.reent .ost M o2n payent Or D"3@8/a. M "31;@0

K"3?>>0/a.

2( on/y

99


47/77



2()2%oe of payent= By @0 ea/ onth/y /ease renta/s ea.h for "3 16890>K on/y of

4a/an.e if any in / s as aortiation sheet en./ose at anne

. Persona/ garantee of the .hairan 7 a// the ire.tors of &essee (opany

"he eipent 2i// 4e registere in the sae of p4a/i 4an3 /t %otijhee/ Bran.h,

+ha3a a..ont /essee .opany /t 2ith Bang/aesh re/ate athority 7 the 4an3

offi.ia/ 2i// a3e s.h registration ner ire.t spervision of the Bran.h anager

Registration of the eipent 7 rene2a/ of registration 2i// 4e ae at the .ost of

99


48/77



the /essee "he /essee 2i// have to ta3e ./earan.e fro the 4an3 4ran.h 4efore

rene2a/ of o.ent of the /ease eipent "a< ta3en st 4e retaine at the

4ran.h for re.or

9(.E


49/77



(2Unerta3ing sha// have to 4e o4taine fro the /essee to the affe.t that they have no

/ia4i/ities 2ith any other 4an3s Ds in their nae Or in the nae of their sister a//ie

.on.ern Ds a..epting the /ia4i/ity if any e./are in the /ease app/i.ation

(8In the event of /essee fai/re to pay ; .onse.tive onth/y renta/s or 4ran.h vio/ation

of any ters 7 .onition of /ease agreeent the 4an3 reserves the right to ta3e any or a// of

the fo//o2ing=

a "a3e over the possession of the eipent spp/ie

4 "a3e appropriate /ega/ a.tion for the parttota/ es in spite of the /ease

perio entioning in this /etter

(9 Repairing 7 aintenan.e .ost of the eipent sha// 4e 4orne 4y the /essee 7 no

aitiona/ aont of the /ease ite ner nay .ir.stan.es

(' "he /essee 2i// 4e /ega//y /ia4/e for any aage of the /ease ot eipent

( "he payent 2i// 4e ae in the nae of the spp/ier throgh a payent orer Before

a3ing payent the 4ran.h anager sha// ensre that the vehi./e has 4een spp/ie as per

spe.ifi.ation entione in the /etter A satisfa.tion /etter of the 4ran.h anager is to s4it

to #O, /ease finan.ing ivision A 4oar to 4e isp/aye in .onspi.os p/a.es on the

vehi./es &ease asset of PB&, %otijhee/ Bran.h, +ha3a

(


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o4taine 7 s4itte to hea offi.e /ease finan.ing ivision 2ithin ; ays after .reation of

/ease


51/77



&ease renta/ s.he/e

&ease aont "* ?>>0 /a.

&ease ter, onth @0)ra.e perio, onth 00

&ease eposit "*1,68,90>00

Interest %onitoring Ris3 "ota/

Rate 1>9? G 00G 00G 1>9?G

!oan ammoni4ation ta%le

Sl no: Principal

amount

Monthly Installment >est

principal

amount

Monthly

rental

Interest Monitoring >is Principal

reco6ery

) '99.... )2*


52/77



2< 8''0.*9 )2*


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0(' Step 9: After the san.tion /etter Bran.h 2i// sen an avi.e /etter to the /essee a..oring

to the ters 7 .onition If /essee agrees 2ith a// .onition of PB& 7 .an sho2 other

o.ent s.h as= 1 B&A:s satisfa.tion .ertifi.ate regaring o.ents in stanar for

6 (ertifi.ate of insran.e in the nae of PB&

; Registration a.3no2/egeent s/ip of BR"A "hen, eipent /ease finan.ing

transa.tion 2i// o..r

'(8(0 Bhether lease items are sho1n in the %alance sheet:

Off-Ba/an.e 'heet refers to assets an /ia4i/ities 2hi.h are not ref/e.te on the Ba/an.e

'heet

"he ost .oon ee?uired

1 Eipent A. +r &ease &ia4i/ity (r

Une


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;&ease (hargesInterest +r

Une


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))() !eases 6s( uy: E@ample

"he eG

Retrn on (apita/= 16G

BUJ ELA%P&E 7 RE'U&"'=

"*100,000 Pr.hase Pri.e

"* ;>,000 ;>G "a,000 Rea/ (ost of Paying (ash

!E#SE >ES7!TS:

"* 6,6>8 %onth/y Renta/

"* < @0 %onths

"*1;>,000 "ota/ &ease Payents"*10,000 Pr.hase Option

"*1>>,000 Rea/ (ost of &easing

D;ecision: From the a%o6e discussion 1e can see, that company +lessee can ac?uire

e?uipment or hea6y machinery %y 1ay of lease instead of %uy(

99


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'(8()2 !ease financing helps firms to meet 6ariety of %usiness goals:

In toay:s n.ertain e.onoi. environent, 4sinesses neeing to 4y te.hno/ogy

eipent are ho/ing on to their .ash, an those /oo3ing to generate sa/es are 2ary of

offering .reit hi/e soe 2ait ot this sitation, sart .opanies are /oo3ing at ho2

finan.ing options .an he/p eet strategi. o4je.tives hether a .opany nees to se// or

pro.re eipent, /easing ay 4e a sart so/tion Earnings reports over the past t2o

years have to/ the stories of those te.hno/ogy .opanies that a//o2e eerging 4sinesses

to pr.hase on .reit %any 2o/ have 4etter srvive the ot-.o fa//ot ha they

partnere 2ith a thir party fo.se so/e/y on the finan.ia/ aspe.ts instea of the 4enefits of

the sa/e ith the thir party a4sor4ing the ris3 of e


57/77



Iproving .ash f/o2 'ii/ar to the a4ove, ./osing the sa/e faster as oney to the

4otto /ine that .an 4e rea//o.ate for aitiona/ revene generating a.tivities

+ifferentiating a .opany fro its .opetition &et:s fa.e it In toay:s .opetitive

4siness environent, .stoer servi.e a3es the ifferen.e A// things 4eing

ea/, a .stoer is ore /i3e/y to 4y fro a .opany that a3es the 2ho/e

transa.tion hass/e-free

(ontro//ing the after-ar3et of se eipent Avan.e agreeents 2ith the

/easing .opany typi.a//y have set after-ar3et r/es, re.ing the /i3e/ihoo that

yor o2n se eipent 2i// /ater 4e.oe yor ne2 .opetition "hose in nee of

eipent /i3e/y 3no2 a// too 2e// that the 2ait-an see approa.h that has pervae

for the past fe2 arters oes rea.h a point 2here a.tion is reire "his is

espe.ia//y tre 2hen .onsiering te.hno/ogy eipent, 3no2ing that .apa4i/ities

an pri.es .hange every ay

A /ease .an he/p aress this .on.ern 4y preventing o4so/es.en.e "hat:s 4e.ase 2ith a

/ease, .opanies pay for eipent se over tie, /i3e rent In ost .ases, it sip/y oes

not a3e sense to 4y assets that epre.iate in va/e An, /eases provie the f/e


58/77



2ith anything, a3ing a /ease or a .stoer /easing progra 2or3 epens /arge/y

on the right progras an partner

'(8()8 E6aluation %y the lessee

Any prospe.tive /ease st 4e eva/ate 4y 4oth the /essee 7 /essor "he /essee st

eterine 2hether /easing an asset 2i// 4e /ess .ost/y than 4ying it, 7 the /essor st

e.ie 2hether the /ease 2i// provie a reasona4/e rate of retrn In the typi.a/ .ase, the

events /eaing /ease arrangeent fo//o2 the seen.e es.ri4e in the fo//o2ing /ist e

sho/ note that a great ea/ of theoreti.a/ /iteratre e


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'(8()9 Factors that affect leasing decisions

The factors are gi6en %elo1:

1 Estiate resia/ va/e= It is iportant to note that the /essor 2i// o2n the property

pon the e


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Chap!"#4

#nalysis of the Bors:

'(9 Performance of Pu%ali %an !imited

5.4.1. P!"+*"a&8! *+ Pa--( Ba& A88*"(&, * A&&a- R!p*"

ey Financial as at 8)st;ecem%er 2..0

Particulars 600? 600@ 6009 6008 6005

Athorie (apita/ ?,00000 ?,00000 ?,00000 ?,00000 ?,00000

Pai-p (apita/ >0000 160000 610000 65>000 ;86600

Reserve !n 7 other

Reserve

6>8161 ;;69?0 ;8;605 >@0@86 ?@896?

+eposits >>>>;0; >8@9?5;?955@86 9;01@?1

88>@@@@

Avan.e;6@;5@8 >0;8@@? ?0?>519 @19881?

9>60;;;

Investents??;@8> >58610 ???@?8 8;9??5

161@8@?

Iport Bsiness6@0;;80 ;9;1@?0 >8;>?>1 ?800510

@0>5;8?

E95?@? 6>9;5@?

Brige !inan.e965 91> @85 @85

@85

"ota/ In.oe>>;?50 ?>5>>5 9089@; 50056?

10@@;81

"ota/ E>; >1>?@@ ??@;;5

@86>;>

Pre-ta< Profit 10>6@; 18100@ 65>159 ;>>?8@ ;8;5>9

Net Profit?9;>? 8>??; 1;?;?1 1?1?6;

60566;

"ota/ Assets?6@91>> ?8>011> 91?@0@@ 8588>90

109?95@0

!i@>8 1;@509 1;@96; 1;8;;@

1>>;?0

Other Inforation:s

N4er of Ep/oyees ?088 ?1>1 ?690 ?;61 ?;9?

N4er of 'hareho/ers9?51 11@59 15005 6>1?;

;0855

N4er of Bran.hes;?0 ;?@ ;@1 ;91

;51

Earning per orinary share1>;;@ 90>@ @>>? ?1?>

?>09>

'or.e= Anna/ report 6005

Ta%le-

99


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ey Financial as at 8)st;ecem%er 2..0

Graph-)

/omment: #ere pai p .apita/ 2as /argest aont of this year 6005 then the se.on

/argest aont 2as eposit, then avan.e aont Iport 4siness a/so satisfa.tory aont

4t tota/ in.oe, Iport 4siness, Investent an reserve fn aont 2as very poor On

the other han e


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Graph-2

/omment: P4a/i Ban3 is a p4/i. /iite Ban3 'o fro this graph 2e .an see that p4/i.

share is @09?G 2hi.h is the /argest aont than other On the other han +ire.tors has

11;G an )overnent has on/y 0006G

99

Percentage of Shareholding


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Graph-8

/omment: #ere pai p .apita/ 2as greater than other 2hi.h 2as >1G an then stattoryreserve is ;;1?G )enera/ reserve 2as 1>G an other reserve 2as 16G so the 4an3

perforan.e is .h 4etter

99

Percentage of Shareholders E?uity


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'(9(2 The performance and e6aluation of different facts and figures of Profit and !oan

and #d6ance are as follo1s:

=et profit of Pu%ali an !imited

Figure in Million

Graph-9

(oent= !ro this graph 2e see that Net Profit of the year of 600? is so /ess "hen it 2as

in.reasing respe.tive/y an in 6005 it gone to the highest aont 6000 i//ion "his

in.reasing aont .an 4ring the s..essf/ ftre for a Ban3

99


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#d6ance of Pu%ali an !imited

Graph-'

/omment: "his )raph sho2s the Avan.e se.tor of P4a/i Ban3 &iite !ro this graph

2e see that the year 600? the Avan.e aont is so /ess, then it 2as in.reasing respe.tive/y

'o the year 6005 the Avan.e aont .rosse 90000 i//ion An avan.e aont 4ring

ore 4enefit than eposit aont 'o this res/t is goo for a 4an3ing se.tor

99


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/redit +;i6ision 1ise A +Sector Bise of Pu%ali an !imited:

Graph-

Graph-ecommendations:

By ana/ying the 2ho/e report .on.te for P4a/i Ban3 &t the re.oenations .o/

4e ae of the fo//o2ing isses to iprove the po/i.ies 7 pra.ti.es of eipent /ease

finan.ing of p4a/i 4an3 /t

2.1 R!8*!&a(*&/ * h! a&

It .an re.e Averse trens in the /easing epartent

It .an intro.e the aea.y of the 4an3:s po/i.ies or pra.ti.es regaring eipent

/ease finan.ing

E


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"here st 4e a ./ear a//o.ation of responsi4i/ities, athority an a..onta4i/ity

'.ope sho/ 4e given for i.3er e.ision a3ing "op o2n .oni.ation st

o..r at a f// pa.e of .oitent

It .an re.e interna/ .ontro/ efi.ien.ies or e


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EFE>E=/ES

Anna/ Report of P4a/i Ban3 &t

Anna/ 'tateent of Affairs of P4a/i Ban3 &t,

+ifferent offi.ia/ re.or of the 4ran.h

Rose Peter ', 600>-0?(oer.ia/ Ban3 %anageent !ifth Eition Ne2 Jor3=

%. )ra2-#i//, In., pp >-11

A/i % Oar, 6000 Bsiness (oni.ation= "heory an App/i.ation "a/aiari=

%rs A3htar Hahan, In., pp 68>-685

%anageria/ finan.e= &a2ren.e 7 )itan

P4/ai Ban3 &iite 6008-6005Anna/ report

Essentia/s %anageria/ finan.e= '.ott Bes/ey, Egene f Brigha

222p4a/i4ang/a.o

2224ang/aesh info.o

222Arti./esof eipent /ease finan.ing.o

222goog/e.o

Ne2spapers= "he Bang/aesh O4server, "he Inepenent

'N %ahesh, 6001Ban3ing /a2 7 Pra.ti.e Revise 7 pate Eition *a/yani

P4/ishers, In., pp@-69

Heft %ara !inan.ia/ %ar3ets 7 Instittions 'i


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;imension )- Staff /onduct Employee eha6ior Employees /ustomer 5andling (

)( +o "hing P4a/i Ban3 &t Is %oern Ban3ing 'ervi.esS

Agree +isagree +on:t *no2

2( "he Ban3 Bran.h staffs are 2i//ing/y to a..ept yo


8( "he Ban3 Bran.h staffs have the 2i//ingness to #e/pyo


9( 'taffs never sho2 that they are too 4sy to respon to yor estions


'( "he 4ran.h staff gives yo a i.3 servi.e DProptness of servi.e fro 4ran.h staffAgree +isagree +on:t *no2

( 'taffs a/2ays re.eive 2ar greetings fro the staffs ring yor trn of servi.e



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)'( 'taffs are sin.ere enogh for proviing satisfa.tory servi.e to yo


)( 'taffs a/2ays aintain a professiona/ appearan.e an attite


;imension 2 - /redi%ility: Maintaining staff-customer trust %y rectifying mistaes,

eeping customers informed and 1ith their professional attitude(

)


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2( )iving yo iea ho2 yo .an 3eep yor .harge /o2


2

overall internship report for

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