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When I met Mr. P.N. Sharma, Chief Manager, Allahabad Bank, Rajmahal Road, Baroda office, for the purpose of summer project he wanted me to go for credit policy evaluation and formulating an integrated credit policy model for the bank.
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PROLOGUE When I met Mr. P.N. Sharma, Chief Manager, Allahabad Bank, Rajmahal Road, Baroda office, for the purpose of summer project he wanted me to go for credit policy evaluation and formulating an integrated credit policy model for the bank. I suggested that carrying out such a task within a period of 8 weeks would not yield desired results. The evaluation carried out would at best remain on paper. So we decided that the process could be broken down in two parts (this explains the long term and short term objectives - see executive summary) : firstly, understanding the current methodology being adopted for sanctioning of loans, formulating a rough credit policy model and then finally developing an integrated credit policy model, encapsulating all the parameters of a sound credit policy system. CH.1 EXECUTIVE SUMMARY OBJECTIVE: The objective of the project can be best summarized by breaking it into long term objective and a...
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