Loan activities and customer service satisfaction of Bangladesh Commerce Bank Limited (Pragati Sarani Branch)

Abstract

The paper is an in-depth look at how loans work and how happy customers are with Bangladesh Commerce Bank Limited's customer service. Credit is a significant asset offered by financial institutions. The success of a financial institution is heavily contingent upon the proficient administration of credit. One notable aspect of financial intermediation in Bangladesh is the prevalent and concerning default culture. The financial sector has been influenced by it. The primary factor contributing to non-performing loans is the insufficient assessment of perceived risk prior to granting loans or extending credit. This deficiency can be addressed through a comprehensive and efficient lending risk analysis framework, which serves as a guideline for banks in Bangladesh. By adopting such a framework, banks can actively manage their loan portfolios, aiming to minimize losses and achieve a satisfactory level of return. This study examines the various aspects related to credit, including its nature, different types, credit risk, management system, policies, credit approval procedure, management committee, credit risk monitoring, and the performance of Bangladesh Commerce Bank Limited. This study looks at how Bangladesh Commerce Bank Limited works and how it handles credit risk. The Bangladesh Commerce Bank Limited's view of the banking business is given in the first part of this report. This paper goes on with details about the Institute. What the business wants to do and why. This question is about how to use a key management profile. The third part of this study talks about the idea behind credit risk management. In the fourth chapter of the study, Bangladesh Commerce Bank Limited's loan and advances, loan to deposit ratio, standard loan, sub-standard loan, bad loan, and loss loan results are all looked at. Chapter five of the final report has the results of the research and suggestions for how to improve credit performance.