Business Startegy

1.0 INTRODUCTION

1.1 Origin of the Report

Our respected faculty Mr. Ali Salman asked me to do a report on Synovus. After a brain storming session I decided to do SWOT analysis and cover all the corporate level strategy of Synovus.

1.2 Background of the Report

Bangladesh economy is growing rapidly. All the organizations are taking loans from banks and expand their business portfolio. For this reason, the banks corporate lending process and lending risk analysis has become an important issue. Bangladesh bank has some rules and regulations for the lending procedure. On top of that, each bank has their individual written policy. We did survey on Dhaka Bank Limited and try to focus on their Corporate Lending Procedure and Lending Risk Analysis in this report.

1.3 Scope of the Report

The study would focus the overall Corporate Lending Procedure and Lending Risk Analysis of Dhaka Bank. It would cover services provided under corporate banking, classification of credits on the basis of time, objective and qualitative judgment, credit policy, Principalss, approval authority, and evaluation Principalss, steps in lending process, credit administration, lending risk analysis and non-compliances of Dhaka Bank Limited to Bangladesh Bank guideline.

1.4 Methodology of the Report

 Nature of the study: Exploratory

 Sources of information: Both primary and secondary information sources were used to complete this study.

o Primary sources: We took interview from the personnel of Dhaka Bank Limited.

• Information collection instrument: Structured questionnaire for the interview.

o Secondary sources: Secondary information was collected from those company’s web sites and some other Internet based research.

1.5 Limitation of the Report

This report will only consider Corporate Lending Procedure and Lending Risk Analysis of Dhaka Bank. It will not cover the overall Lending Procedure and Lending Risk Analysis of Dhaka Bank. Beside this, we are unable to get all the information because of their internal restriction and security purpose.

2.0 COMPANY OVERVIEW

2.1 HISTORY, DEVELOPMENT AND GROWTH OF SYNOVUS

Synovus was founded in the 1880s on a single act of kindness. A mill worker at Eagle & Phenix Mill in Columbus, Georgia caught her dress in a piece of machinery. As her dress tore, her life savings, which she had sewn into her edge thinking it was the safest place for her money, spilled across the floor.

G. Gunby Jordan, the mill’s secretary and treasurer, happened by and offered to keep her money in the mill safe and pay her monthly interest on the deposits. He soon offered the same service to all the mill workers. These first deposits inspired Mr. Jordan to establish the institution that years later became Columbus Bank and Trust Company, Synovus’ lead bank.

After that, Mr. Jordan and a group of banking pioneers built the company’s foundation on integrity, character, and the principle of treating people right and doing the right thing. Throughout the years, that foundation has remained, and these basic values have led them down the path of growth and financial strength.

There are lots of acquisitions, and a few