The impacts of loan default on bank performance: A case of Grameen Bank before and during the pandemic

Abstract

The report is from my internship program, which is required as part of the BBA curriculum. This will be completed during my three-month internship at Grameen Bank. This orientation document includes day-to-day real-life work experience with numerous duties at the Grameen Bank Head Office, Mirpur2, Dhaka-1216. Primary and secondary data sources were used to compile this study. Before approving a loan, Grameen Bank assesses all risk variables. The loan will be issued by the appropriate authority once all requirements have been completed. The loan is disbursed once all of the prerequisites have been completed. In proportion investigation, a yearly review is performed to represent my association's prosperity from 2016 through 2020. Besides, in a correlation study, I contrast the accomplishment of Grameen Bank and the exhibition of two other microfinance organizations. It ought to be noticed that these two banks were picked in the wake of talking with hierarchical specialists. Asha, Proshika, and BRAC are the essential contenders for Grameen Bank. In any case, BRAC and Krishi Banks’ hierarchical activities are not satisfactorily recorded. As per the proportion study, the association's presentation is steady from 2016 to 2020, demonstrating that the organization is monetarily steady. This current association's NPL proportion, Provision for advance misfortune proportion, Credit Deposit Ratio, and different insights are really surprising. In any case, the organization's ROA and ROE are lower than those of its rivals. In Chapter 3, a few ideas are made for how the bank may improve its presentation measurements.