Agrani Bank Ltd is a state owned scheduled bank in Bangladesh. It has a vital contribution towards lending and investment in economy because Agrani Bank Ltd. has been participating at all sectors (from industrial sector to microfinance).
Here main purpose of preparing this report to make clear idea about credit risk management of Agrani Bank Ltd and gather enough knowledge to deal with these functions. We know that The Bangladesh Bank (BB) has placed few banks in the category of problem banks. Main reason of this is bankruptcy. Many time borrowers are not conscious about procedure of all activities of loan. A problem bank emerged from its past poor management of loan portfolio and operational inefficiency.
According to the BB requirement Agrani Bank Ltd has been coordinating their procedure for short term or long term financing. I have made this report on credit risk management of this bank. And this is why I named the topic as ‘Credit Risk Management of Agrani Bank Ltd ’
1.2 Objectives Of The Study
Preparation and presentation of this report contains few specific objectives. These are:
1. Primary objective is to fulfill the requirement of the MBA program. 2. To achieve the difference between theoretical and practical knowledge. 3. To have an exposure on the function of credit risk management of Agrani Bank Ltd.
4. To get significant knowledge about how the effective of loan and sanction procedure are conducted on the evaluation of credit risk management
1.3 Methodology of The study
I. Sources of data
The study is based on primary and secondary sources of data. Data have been collected from office records, discussions with employees and from different paper circulars and annual report of Agrani Bank Ltd. For the report preparation, concepts and techniques are gathered from bank manuals and relevant books. ii) Data collection
Data were collected personally from Agrani bank