CREDIT RISK MANAGEMENT OF SONALI BANK LIMITED (COLLEGE GATE BRANCH), DHAKA

Abstract

An internship program is very important & essential for acquiring experience through learning and spreading the scope of Knowledge. I have done my internship program in Sonali Bank Ltd. (College Gate Branch), Dhaka. This internship report is aimed at providing a comprehensive picture to the areas of Credit Risk Management of Sonali Bank Ltd .The report has been divided in to eight Chapters. From the study we will get a clear picture of overall credit performance of Sonali Bank Ltd, College gate branch, Dhaka. I observed that the customer satisfaction level & quality of service is better than any other nationalized bank. After completion of analysis, it is found that Sonali Bank Ltd. credit policy is quite lengthy & service charge is quite high. In Analysis part, I have tried to find out the risk and ratio related to credit management, Sonali Bank Ltd. is gradually developing but College Gate Branch with a higher ratio is at a vulnerable situation. In 2015 Return on Credit (ROC), Return on Total Assets (ROA), Return on Equity (ROE), Advance Deposit (AD) are 8.07%, 1.42%, 17,79% and 65.29% respectably which is quite well. My investigation show that SBL capital adequacy is 12.60% which is Strong, asset quality is 5.62% which is at satisfactory level, level of earnings is 1.43%, which is strong, level of liquidity is 19.33%, which is fair and bank rating 1.8% which also is at satisfactory level. So, I can say that, SBL performance is sound. Although the study has some shortcoming like lacks of knowledge to such type of survey, time limitations, and respondents’ unwillingness to cooperate and limited sample size. But I believe that this report will help the reader to understand credit risk management process of Sonali Bank Ltd.