Credit Management & Credit Risk Analysis of National Credit and Commerce Bank Limited

Abstract

Historically, commercial banks have been playing a vital role in the world economy and financial system. lt is the place where the people with surplus fund can deposit the money with fund trust and safety and also the people who are in deficit position can borrow money to fulfill their needs. Bank is not only a financial institution, it is a helping hand for the common people, different organizations and also for the government. Bank's services are not only limited in deposit and loan services, the functions of commercial banks have changed as the needs of the economy have changed. There are other financial institutions that also provide the service of deposit and loan. But there are some difference between other financial institutions and banks. Other financial institutions do not provide the withdrawal service of money through demand deposits and they also do not concern about the basic financial needs of the @nsumers like fund remittances inside and outside the country. And they also do not have foreign exchange service, which is one of the most important service that banks provide.