LETTER OF TRANSMITTAL

Date: 3rd April, 2010 To Sohani Islam Lecturer & Internship Supervisor Department of Business Administration Stamford niversit!, Ban"ladesh Subject: Solicitation for acceptance of the Internship Report Dear #adam, $ere is the Internship %eport on & Mort!a!e Len"in! S#stems of Stan"ar" $hartere" %an& %an!la"esh Lt" '( I am ver! much pleased to su)mit the report on this *hich is pivotal re+uirement for the completion of BBA pro"ram ,#a-or in .inance/ from .acult! of Business Studies of Stamford niversit!( This report is a result of m! practical *or0 that I have conducted durin" specified time of internship( All the *or0s presented here is done *ith m! utmost sincerit! and honest!( I have tried m! level )est to ma0e this report holistic and informative enou"h( Besides this, there ma! )e shortcomin"s( I *ould )e "rateful if !ou consider those from e1cusa)le point( Sincerel! !ours M" Moshiur Rahman ID2 BBA 02303403' Section ( )*+E,' Batch2 23 #a-or2 .inance, Department of Business Administration Stamford niversit! Ban"ladesh

$ERTIFI$ATE

This to certif! that #d( #oshiur %ahman, student of Bachelor De"ree in Business Administration, )earin" the ID 5o( BBA 02303403 undertoo0 the pro-ect *or0 on -Mort!a!e Len"in! S#stems of Stan"ar" $hartere" %an& %an!la"esh Lt" . in fulfillment of the re+uirement for the a*ard of Bachelor of Business Administration ,BBA/ De"ree, Stamford niversit! Ban"ladesh under m! "uidance( The student is found to )e intelli"ent, sincere and hard*or0in" and he has put in lot of *or0 and also )rou"ht his ideas to comparin" other companies *ith Standard 6hard Ban0 Ban"ladesh Limited( $e is permitted to su)mit the internship report( I *ish him ever! success in his life(

Sohani Islam Lecturer Department of )usiness Administration Stamford niversit! Ban"ladesh

ST/DENT0S DE$LARATION

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I here)! declare that the report of internship namel! -Mort!a!e Len"in! S#stems of Stan"ar" $hartere" %an& %an!la"esh Lt" . completed )! me after the completion of 3 ,three/ months of internship in Stan"ar" $hartere" %an& %an!la"esh Lt" and a comprehensive stud! of the e1istin" activities of Stan"ar"
$hartere" %an& %an!la"esh Lt"

I also declare that this paper is m! ori"inal *or0ed and prepared for academic purpose *hich is a re+uirement of BBA and the paper ma! not )e used in actual mar0et scenario(

#d( #oshiur %ahman ID BBA 02303403 23th Batch Department of Business Administration Stamford niversit! Ban"ladesh

Super1isor0s DE$LARATION

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Mort!a!e Len"in! S#stems of Stan"ar" $hartere" %an& %an!la"esh Lt" is an ori"inal *or0 )! M" Moshiur Rahman' ID No( %%A 2)*2*324 , #a-or in .inance, Department of Business Administration, Stamford niversit!, Ban"ladesh, completed his internship under m! supervision and su)mitted for the partial fulfillment of the re+uirement of the de"ree of Bachelor of Business Administration ,BBA/ at Stamford niversit! Ban"ladesh(

Sohani Islam Lecturer Department of Business Administration Stamford niversit! Ban"ladesh

Ac&no5le"!ement
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The outcome of theoretical stud! is )loomed in its practical field( And as students of BBA *e are ver! much related *ith practical field alon" *ith theoretical( This Internship %eport )ecomes possi)le for m! honora)le sir Sohani Islam' Lecturer, Department of Business Administration So I speciall! than0 her ver! much for her supportive thou"ht I also e1press m! foremost "ratitude to 6hon"o&er Ra&ib 7ai"er +$re"it Mana!er' $re"it Initiation8mort!a!e $onsumer %an&in!' S$%, #r( De5an Imtia9, +$re"it Analist' S$%, and #r( %a7iur %ahman8Departmental $ead, #5A Loan Department of Standard 6hartered Ban0, for providin" me different data and information for preparin" this internship report( B! doin" this internship report I speciall! "ot much pleasure and "athered a lot of e1perience a)out Standard 6hartered Ban0 speciall! #ort"a"e Lendin" S!stems of Standard 6hartered Ban0(

E:ecuti1e Summar#

In the contemporar! )usiness *orld steadfastness & precision of information has )een *ell thou"ht8out as one of the decisive piece of information( .inancial information preservin" & communicatin" has )ecome much easier in these da!s( As the conse+uences of developed & easier communication s!stem, %an&in! %usiness is no* "lo)ali7in"( This "lo)ali7ation of )an0in" )usiness sternl! depends on -ust the thin" & fla1en arran"ement of mana"erial information that enhances the trust*orthiness and e1tra value added service to the tar"et customers( These are the ma-or differential factors that lead Stan"ar" $hartere" %an& to "ive "lo)al )an0in" service *ith e1cellence( As the part of m! internship re+uirement I had a chance to drill *ith the mort"a"e loan facilities provided to its customers( This report is a clustered format of Standard 6hartered Ban09s #ort"a"e Lendin" S!stems( In the %eport entitled *ith &Mort!a!e Len"in! S#stems Of Stan"ar" $hartere" %an& %an!la"esh Lt"'- I have tried e1clusivel! to emphasi7e on S6B9s #ort"a"e Lendin" S!stems ela)oratel!( This report is divided into ; ,Seven/ ma-or parts( In the first part, there is overall presentation of report :ri"in, %ationalit! of reportin" on the topic, :)-ective, Scope, Limitations that I faced in preparin" the report are reported( In the second part, there is methodolo"! adopted in preparin" the report( In the third part, here is the $istor! of S6B, S6B in Ban"ladesh, ;ision, #ission :)-ective, <oal, Brandin" =romise, >e!s .actors of Success of S6B, ;alues, S?:T Anal!sis of S6B, :r"ani7ational Structure, 6hain of 6ommand, various products and services of S6B etc are presented( The fourth part of the report consists of mort"a"e loan, t!pes of mort"a"e loan, "eneral process of mort"a"e loan s!stems( In the fifth part, there is a detailed focus on the #ort"a"e loan Standard 6hartered Ban0, different mort"a"e loan offered )! S6B, Loan Sanctioned =rocedures etc( The si1th part of this report includes overall findin"s8 positive & ne"ative aspects of S6B is the end of m! report, I had some findin"s from the stud! as *ell as practical e1perience at the )an0 The seventh part, end of m! report includes conclusion & recommendations for ne"ative aspects of lendin" s!stems of S6B(

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