Credit Risk Management of National Bank Limited, Bangladesh

Chapter 01 Introduction 1.1 Foundation of the Report: MBA program of University of Dhaka, Department of Accounting and Information Systems is organized and tailored to provide the students with the conceptual, theoretical and practical tools of analyses. Special stresses are given on theory and practice them under an organization. Therefore, as an internee I have completed my practice session and prepared this required report based on investigations carried out by me in National Bank Limited (NBL). As an internee student I have tried my level best to cover the contemporary credit risk management system of National Bank Limited in this report. 1.2 Objectives: Broad Objective: To analyze the Credit Risk Management policy. Specific†¦show more content†¦With this end in view, NBL has continued its efforts to provide prompt and improved services together with proper counseling in financial to all clients. NBL’s objective has been identifying the proper sector and extending best investment consultancy. Keeping the idea of middle and lower middle class in mind the bank has introduced consumer credit schemes, providing small credit to such borrowers who repay in easy installments. The bank is earning significantly by managing liquid assets. NBL mainly caters to the trade finance market. Its principal areas of financing are trade business, export-import, setting up mills factories, garment, knitwear, supply of working capital, shrimp culture, real estate, rural development program, etc. Credit facilities are also allowed to contracting firms to support proper execution of work/supply, orders relating to overall development including infrastructure of the country received by them from the government and different important organization. NBL earned international reputation for its success in different banking activities especially in foreign transaction. Since the very beginning, the Bank exerted much emphasis on overseas operation and handled a sizeable quantum of homebound foreign remittance. The Bank established extensive drawing arrangement network with Banks and Exchange Companies located in important countries of the world expatriatesShow MoreRelatedCentral Bank And The Role Of The Bank Of Formulating Monetary Policy And Its Management Essay1312 Words   |  6 PagesUnderstanding central bank and the role of bb as central bank in formulating monetary policy and its management Introduction- The Central Bank is the utmost authority that is employed by the government to formulate monetary policy to guide the economy of a country. Monetary policy is defined as the regulation of the money supply and interest rates by a central bank. Monetary policy also refers to how the central bank use the interest rates and the money supply to guide economic growth and controlRead MoreIntern Report on Credit Risk Management of Ncc Bank Limited8134 Words   |  33 Pageswith NCC Bank Limited; a well reputed private sector commercial bank has been assigned to prepare a project paper on â€Å"Credit Risk Management of NCC Bank Limited†. 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Development Technical Department Of Nigeria And Nigeria

Between 2003 and 2009, poverty fell from 22% to 7% in Brazil. In the same timeframe, income among the poor in Brazil increased seven times as fast as that of the rich. These results came, in large part, because of Brazil’s cash transfer program, Bolsa Familia which presented the country’s poorest households with cash transfers conditional upon meeting health and education standards for their children. Thanks to results like these, the world paid attention to CT programs and began to copy them, including in Africa. The results have been mixed but more hopeful than not. CT programs offer a qualified hope for African development provided that the programs have an adequate scope, proper accountability measures and institutional strength as seen through the case studies of Malawi and Nigeria. Many African governments chose to adopt CT programs in the last decade and a half. Charity Moore, a lead at Harvard Kennedy School s Evidence for Policy Design and Marito Garcia a lead Economist at the Human Development Technical Department of World Bank’s Africa Region conducted research for the World Bank on CT programs. They found that 120 programs have been implemented in Africa between 2000 and 2009. Despite variances in size, scope and structure, the fundamental premise of the programs remain the same. They aim to provide the poorest households with the funds needed to meet basic needs. This then creates the necessary margin and stability for poor households to make wise long-termShow MoreRelatedThe History of Agriculture in Nigeria from the Colonial Era to the Present Day4122 Words   |  17 PagesHISTORY OF AGRICULTURE IN NIGERIA FROM THE COLONIAL ERA TO THE PRESENT DAY The agricultural history of Nigeria is intertwined with its political history. 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Unit Assignment free essay sample

There are many different ways to go about this topic the one I am going to pick Is a public key Infrastructure (PKZIP). One of the security options that we are going to use is Privacy or confidentiality. This will keep all information secret from all people unless you are authorized to see it. This will help with employees not finding things that they should not see like social security numbers, address, and sensitive documents for the company and so on. Having this as a security options is great. I would implement this on all of the networks that I would manage.The next feature that I will suggest to Irishman Investment would be Access control. Access control restricts access to network resources and would require the user to have privileges to the resources. This would go hand and hand with the first feature that I suggested. You will need this for the first feature that I picked to give the users proper permissions to resources and this will help keep users out that should not have access to the resource. Issue 3: There was a lack of urgency in notifying the Secretary of Veterans Affairs by his immediate staff. They did not notify the Secretary until 16 May 2006 a full 13 days after the theft of data.This was not clearly identified as a high priority incident and there was a failure to follow up on the Incident until after they received a call from the Inspector General (Offer, 2006). Issue 4: Information Security officials failed to effectively trigger appropriate notifications and begin an Investigation of the stolen data. The Information security officials Incident report contained omissions and escalating errors. This resulted in missed opportunity to re-create the contents of the laptop ND external drive and to recognize the severity of the potential loss of data.The subjectivity operations officials failed to ensure a timely investigation and notifications were made regarding the severity of the lost data (Offer, 2006). Issue 5: VA Policies, procedures and practices were not easy to identify, were not current, nor were they complete. The VA policies and procedures for safeguarding against disclosure of private information were inadequate with regard to preventing the data loss incident. The policies and the procedures for reporting and investigating lost or toluene private data was not well-defined In the VA policies (Offer, 2006). Recommendations: 1 . Implement a centralized Agency-Weld Information Technology (IT) security program. 2. Implement a patch management program to ensure programs and applications are up-to-date with security patches. 3. Implement effective monitoring and correct security vulnerabilities. 4. Deploy and install Intrusion Detection Systems (IDS). 5. Implement and use Configuration Management. 6. Utilize application program/operating system change controls. 7. Install more triggering physical access controls. 8.Utilize penetration testing to test the security of the wireless network. 9. Encrypt sensitive, personal and proprietary data on VA networks. 10. Implement training for VA employees and contractors by utilizing training modules which are up-to-date (Offer, 2006). 11. Establish one concise and clear VA policy on safeguarding protected data when stored and not stored on a VA automated system. Ensure this policy is easily and readily accessible to employees. Hold employees accountable for non- compliance (Offer, 2006). 2.Establish a VA policy and procedures which provide clear and consistent standards for reporting, investigating, and tracking incidents of loss, theft, or potential disclosure of protected data. Include specific timeshares and responsibilities for reporting within the VA chain-of-command, Office of the Inspector General (If appropriate or applicable) and other law enforcement agencies. Ensure the policy and procedure specifies when it is appropriate to notify individuals whose protected data may have been compromised (Offer, 2006)

Reflection Paper on Alcohol free essay sample

Considering the fact that drinking affect rational thought, and causes people to act stupid, it can annoy and distract other residents from studying or sleeping when they really need to. It also makes us spend less time focusing on our school work ourselves. In order to ensure that the TJ community is conducive to education, I plan on not partying any more in the dorm rooms and to lso keep a watch on how loud we are being otherwise. If some friends are about to do the same things we were involved in, I will try to warn them of the consequences they could face for it. My involvement in this situation has taught me to take resident hall policy seriously, and to not try and break the rules to have a good time. I will also make sure that I completely understand all the rules before I move in next year. We will write a custom essay sample on Reflection Paper on Alcohol or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page As I stated above, I plan on not partying anymore in the dorm rooms and to obey the rules completely in order to prevent this sort of thing from happening again. I have had a rude awakening that taught me to think about what might happen instead of the â€Å"just go for it† attitude that I had previously. Some additional thoughts I have are that I would like to apologize for being a little rude in the interview, and I’m sorry that all of this happened.

Destination attributes and motivations between first

Introduction Tourism has undergone significant growth over the past few decades as illustrated by the emergence of various forms of tourism across the world. Examples of the new forms of tourism include sports and volunteer tourism. Both local and international tourists are becoming more interested in urban tourism, which comprises the aforementioned forms of emerging tourism forms. Cities across the globe are putting efforts in developing and improving their tourism industry.Advertising We will write a custom essay sample on Destination attributes and motivations between first-time and repeat travellers in the international and interstate tourism: Melbourne specifically for you for only $16.05 $11/page Learn More Melbourne is one of the cities in Australia that is focused on improving urban tourism. As a result, tourism is one of the fastest growing economic activities in Melbourne. The city has one of the highest liveability indexes in the world. Conse quently, the residents’ wellbeing and the visitors’ level of enjoyment are relatively high (Prideaux Moscardo 2006). The city is characterised by a number of factors that attract both interstate and international tourists as various factors attract travellers to visit certain tourist destinations. This paper outlines the various destination attributes and motivations between first time and repeat travellers in Melbourne. The paper focuses on interstate and international context of tourism. The study will provide stakeholders insight on the most appropriate marketing strategies for Melbourne. Analysis.  Destination attributes and motivations Art and culture Ritchie and Crouch (2003) argue that art is an important component of many tourists especially in urban areas. Thus, it is important for parties charged with the responsibility of promoting urban tourism to focus on developing arts and culture. One of the ways through which this goal can be achieved is by nurturin g the development of live entertainments, the film industry, cultural festivals, and art galleries. Despite the fact that only local tourists mainly attend cultural events, they may also attract foreign tourists as illustrated by the case of the West End cultural event in London and the Broadway in New York (Ritchie Crouch 2003). In addition to the well developed residential conditions and the region’s ecological environment, Melbourne serves as headquarter to numerous multinational corporations that specialise in art and culture (Campo-Martà ­ne, Garau-Vadell Martà ­nez-Ruiz 2009).Advertising Looking for essay on communications media? Let's see if we can help you! Get your first paper with 15% OFF Learn More The city is considered as Australia’s cultural capital. The city harbours well renowned local and international cultural and arts organisations. The city also plays a critical role in supporting both local and international film industry. Its at tractiveness arises from the numerous sceneries that are best suited for shooting film. In an effort to promote tourism in Melbourne, the Victorian government has constructed public cultural facilities (Prayag Ryan 2011). Consequently, the city’s impression as a cultural capital amongst domestic and international tourists has been strengthened. Development of cultural facilities has developed a strong cultural atmosphere, and thus Melbourne is positioned effectively to highlight its unique cultural image and cultural characteristics. Moreover, the city’s reputation has improved its ranking with regard to holding international events such as the World Congress of Genetics and the Australian Tennis Open. The Wonders of Ancient Mesopotamia is one of the greatest arts events that were held in Melbourne in 2012. During the event, stunning artefacts associated with ancient civilisation were showcased (Richards Palmer 2012). In 2008, the city was conferred the title of the world literary capital by UNESCO. Consequently, the city attracts a substantial number of local and international writers, students, researchers and artists. Shopping and leisure opportunities According to Ritchie and Crouch (2003), shopping is one of the major tourism activities. It accounts for a substantial proportion of the tourists’ expenditure. Prideaux and Moscardo (2006) argue, â€Å"Shopping is a key tourist activity and government agencies such as the City of Melbourne have made shopping a major element in their marketing campaign for Melbourne† (p.21). Melbourne has a strong retail industry. The industry offers local and international tourists an opportunity to shop for high quality products. Thus, the retail industry complements the city as a major tourist destination in Australia. For example, the L’Oreal Melbourne Fashion Festival (LMFF) attracts a large number of interstate and international tourists. In 2008, the event attracted over 362,000 part icipants. Demand for fashion products in Australia is increased by the state’s seasonal climate and the fact that it hosts numerous events such as the Melbourne Cup.Advertising We will write a custom essay sample on Destination attributes and motivations between first-time and repeat travellers in the international and interstate tourism: Melbourne specifically for you for only $16.05 $11/page Learn More Sports events A number of factors attract first time and repeat travellers to Melbourne. Melbourne is characterised by various tourist attraction destinations that motivate first time travellers. The city is characterised by well-designed sporting facilities. Hinch and Higham (2011) assert, â€Å"Melbourne has continued to gain immense exposure as a sport tourism destination† (p.79). The city’s infrastructure is well developed. Consequently, it is can cater for the travellers lodging, transportation, and other sporting needs. The ci ty has well established restaurants and hotels, and thus it can address the tourists’ food and entertainment needs. Currently, Melbourne can be described as a sport city. Some of the major sports facilities include Melbourne Cricket Ground, Australian Tennis Centre, Flemmington Racecourse, Telstra Dome, Melbourne Swimming, and Aquatic Centre. In addition to the above facilities, the city has a number of hospitality and entertainment joints such as the Southbank and Crown Casino. The city’s transportation system plays a critical role in attracting and developing repeat tourism behaviour amongst interstate and international sports tourism. Melbourne has managed to develop a strong infrastructure network after holding major and recurring sporting events. The effective sporting infrastructure has improved Melbourne’s strength in bidding for major sporting events such as the Olympic Games, Rugby Leagues, and International Cricket Matches. Food and wine Melbourne has developed a strong reputation with regard to offering tourists good taste and high quality food and wine. The city hosts the Annual Food and Wine Festival, which is attended by approximately 300,000 local and international visitors (O’Toole 2011). As a result, the city provides customers with an opportunity to celebrate internationally acclaimed wine and food products. The large numbers of visitors who attend the event fill the city’s restaurants and basement bars. The festival is graced by famous winemakers and chefs. Moreover, renowned local chefs, winemakers, artisans, and restaurateurs are recognised during the event.Advertising Looking for essay on communications media? Let's see if we can help you! Get your first paper with 15% OFF Learn More Melbourne has a well-developed coffee tradition and cafe traditions, which have made a considerable contribution to the development of tourism in the area (Frost et al. 2010). Wildlife, zoos, national parks and reserves The city has a number of zoos and museums, which attract local and international tourists. Effective management of the zoos has improved Melbourne’s reputation, as the tourists are in a position to observe various types of wildlife such as birds. The zoos and the museums have continued to attract a large number of tourists. Moreover, the zoos provide tourists with a unique experience hence developing the intention to revisit. In addition to the zoos, the city is characterised by attractive beaches, park gardens, wildflowers, coastlines, and scenic lookouts (Frost et al. 2010). Limitations This study mainly focuses on tourism in Melbourne and thus the findings cannot be generalised to other tourist attraction destinations in Australia. Tourist attraction in Aus tralia can change in accordance with the tourists’ tastes and preferences. Therefore, this study is not conclusive. Another limitation of the study arises from the fact that it concentrates on destination-based attributes or the pull factors. Consequently, the pull factors are not taken into account. Conclusion The study shows that destination based attributes play a vital role in attracting domestic and international tourists. Moreover, the attributes influence the tourists’ level of satisfaction and hence the likelihood of revisiting the specific destination. The paper shows that the uniqueness of a particular tourist destination influences the tourists’ behavioural intention to revisit. Melbourne is characterised by a number of attributes that position it as a tourist attraction destination. The city is increasingly being perceived as a modern city with effective transport network, great shopping options and leisure opportunities, arts and culture, and food a nd wine. Moreover, there are various tourist attraction destinations such as zoos, national parks, museums, and reserves in Melbourne. The city’s attributes have contributed towards the development of a unique experience amongst local and international tourists. Understanding the relationship between the destinations’ attributes and the level of satisfaction amongst first time and repeat travellers in Melbourne will give stakeholders tourism insight on the most appropriate strategies to integrate in marketing Melbourne as a tourist destination. As a result, Melbourne will position itself as one of the most attractive destination amongst interstate and international tourists. Reference List Campo-Martà ­nez, S, Garau-Vadell, J Martà ­nez-Ruiz, M 2009, ‘Factors inï ¬â€šuencing repeat visits to a destination: the inï ¬â€šuence of group composition’, Tourism Management, vol. 31 no.6, pp. 1-9. Frost, W, Laing, J, Wheeler, F Reeves, K 2010, ‘Coffee c ulture, heritage and destination image: Melbourne and the Italian model’, Coffee culture, destinations and tourism, vol. 3, pp. 89-99. Hinch, T Higham, J 2011, Sports tourism development, Channel View Publication, Bristol. O’Toole, W 2011, Events feasibility and development: from strategy to operations, Routledge, Oxford. Prayag, G Ryan, C 2011, ‘The relationship between the ‘push’ and ‘pull’ factors of a tourist destination: the role of nationality – an analytical qualitative research approach’, Current Issues in Tourism, vol. 14 no.2, pp. 121-143. Prideaux, B Moscardo, G 2006, Managing tourism and hospitality services: Theory and international applications, CAB International, Wallingford. Richards, G Palmer, R 2012, Eventful cities, Routledge, Oxford. Ritchie, J Crouch, G 2003, The competitive destination: a sustainable tourism perspective, CABI Publishers, Wallingford. This essay on Destination attributes and motivations between first-time and repeat travellers in the international and interstate tourism: Melbourne was written and submitted by user Brylee Franklin to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

effects of govt. on poland essays

effects of govt. on poland essays The government, whether we think about it or not, plays a very significant role in all of our lives regardless of our ethnic background. Though there are many differing forms of government, they affect our lives in the same way. Changes in how the government works slowly begin to effect how we carry out our daily actions and over time an entire culture can be changed. For this reason, I chose to take a critical look at how the change of government in Poland from Communism to Democracy affected their culture. In order to do this, I had to examine communism and its creators. I had to find out what happened to cause communism to take power in Poland and why it eventually crumbled. First, I looked at what communism was all about. Communism began in the early 19th century in response to the problematic beginnings of modern capitalism (Bottomore 11). At that time communism was the basis for many political settlements, most of which eventually failed. The concept itself was created by Karl Marx and Fredrich Engels, the concept, though, proved only to be effective in theory. Karl Marx was born on May 5, 1818, in a place called Trier, in Prussia. His parents were of Jewish descent, however they did not practice Judaism (Payne 17). In 1824, Karl's father adopted Protestantism. Marx attended the university of Bonn and later the university at Berlin, where he studied in law, while majoring in history and philosophy. Marx eventually married his childhood friend Jenny von Westphalen, in 1843 (Payne 27). After his education, Marx began to associate himself with a group of people who were known for having revolutionary ideas. In 1842 Marx was asked to contribute to the Rheinische Zeitung, a German paper, in Colog ne (Payne 83). At the time Marx started, the paper had only 400 subscribers. Shortly after Marx became editor-in-chief and decided to move from Bonn to Cologne. As the paper became more and more revolutionary and widely...

Body Politics Coursework Example | Topics and Well Written Essays - 250 words

Body Politics - Coursework Example The mothers influence their daughters to begin thinking about how they could shape their bodies. According to the article, a section of mother complains about their body appearance in front of the children (Heidi). Notably, weight tops the list of the complaints. Heidi asserts that a huge percentage of women intend to lose. The women associate heavy weights to poor body shape. The article raises an interesting question whether the contemporary culture places emphasis on only women’s physical attributes and disregards the body shapes of men. The complaints about the body shape are prevalent in the society. Women seem to focus more on their appearance. Edlin and Eric contend that some women skip meals in order to attain the perceived right image (50). It appears that the world tends to promise girls and women that the societal judgment is based on their looks. The girls have learned to be self-critical, and will do everything to keep their image presentable (Heidi). The article connects well with the lecture for this week. Notably, the article shows that body image is a concern of one gender. The contemporary body fashion seems to be small-breasted, slimness, and narrow-hipped. Flabbiness is associated with poor body shape. The media have affected the women’s perception of their body configuration. In essence, the article has extended on what was covered in the lectures about the women’s preoccupation with their image. Heidi , Stevens. â€Å"When moms dis their own looks, their daughters are listening-too well†. Chicago Tribune 21 May 2014. Web. 6th Nov 2014