Letter of Transmittal

January 02, 2016

Head of Human Resources Division,

LankaBangla Finance Ltd
Safura Tower (Level 11), 20 Kemal Ataturk Avenue, Banani, Dhaka
Bangladesh University of Business and Technology (BUBT)

Subject: Submission of Internship Report on Credit Management of LankaBangla Finance

Ltd

Dear Sir,

With due respect, would like to inform you that, it is a great pleasure for me to submit the report
on " Credit Management of LankaBangla Finance Ltd ", as a requirement of BBA program, I
have tried my best to submit a good report with as much information as could gather during the
short time span allotted for preparing the report. There might be some error through oversight in
the report. I sincerely regret for such unintentional errors, I would be grateful to you if you
kindly consider my unintentional mistakes.

I acknowledge with thanks the wholehearted support & kind guidance received from you. So, I
hope that you would be kind enough to accept my Internship Report & oblige thereby.
Thank you again for your heartiest co-operation.

Yours sincerely,

Md. S.M. Rasel

ID: 12132101576
Intake: 30th
Department of Finance
Bangladesh University of Business and Technology (BUBT)

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 Students Declaration
I, S.M. Rasel, hereby declare that the work entitled Internship Report on Credit Management of
LankaBangla Finance Ltd. is my original work and pursued under the supervision of Shahadat
Hussain, Lecturer, Department of Finance, Bangladesh University of Business and Technology
(BUBT). I have not copied from any other students work or from any other sources except
where due reference is made explicitly in the text, nor has any part been written for me by
another person. It is merely intended to be used for educational purposes only.

Yours sincerely,

Md. S.M. Rasel

ID: 12132101576

Intake: 30th

Department of Finance

Bangladesh University of Business and Technology (BUBT)

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 Supervisors Certificate
This is to certify that Md. S.M. Rasel is a student of BBA Program, Intake: 30, ID: 12132101576
under the department of Finance of Bangladesh University of Business and Technology (BUBT).
He has successfully completed his Internship program entitled "Analysis of Credit Management
of LankaBangla Finance Limited" as a partial fulfillment for the award of BBA degree.

He has done his job according to my supervision and guidance. He has tried his best to do this
successfully. I think this will help him in the future to build up his career. I wish his success and
prosperity.

Mr. Shahadat Hussain

Lecturer

Department of Finance

Bangladesh University of Business & Technology (BUBT)

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 Acknowledgement
I would like to acknowledge with considerable appreciation those who have contributed to
complete my internship program and final internship report. First of all, I would like to convey
my salutation to Almighty Allah for enabling me to complete the report with sound health. My
special gratitude and thanks goes to my respected supervisor who motivated me to choose this
topic. He helped me in every step of my internship & report writing by giving proper guidance,
advice & inspiration. I want to express my special thanks to all employees of the Credit Risk
Management Department of LankaBangla Finance Ltd. where I was joined as an intern.

Last but not the least, I express my overall gratitude to my department that provided me the
chance to be familiar with the real organizational environment and practically experiencing the
procedure practiced at Credit Risk Management Department of LankaBangla Finance Ltd.

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 Abstract
The topic of this report is "Analysis of Credit Management of LankaBangla Finance Ltd." The
report is originated in the result of my three months internship, which I have done, as a partial
requirement of BBA program. The major objective of the report is to analyze the Credit
Management of LankaBangla Finance Ltd. Some specific objectives are to know the principles
those are followed for providing credit to the clients, lending procedure and recovery system,
growth rate of sector wise and geographical location wise credit and to examine the credit
performance of LBFL over the years. To prepare this report I have follow the methodology
which mainly contains secondary sources of data. To make this report I had to face some
limitation which I include in this report. This report gives us a detailed idea about Credit
Management of LBFL, its potential and its prospects. It shows brief description of every
departments key terms, the entire Credit Management related topic that would easily
understandable about credit disbursement and recovery system. Credit analysis is an important
part of the report.