Credit Risk Management System of Some Commercial Banks

in Bangladesh
Executive Summary
The report is originated in result of my Thesis which I have done as a requirement of MBA
program. The objective of this study is to analyze the credit policy client!s perception
towards the performance of "rime Ban# $imited %ha#a Ban# $imited Brac Ban# $imited
&nited 'ommercial Ban# $imited and (ational 'redit and 'ommerce Ban# $imited
financial performance regarding credit etc.
Ban#s are e)posed to five core ris#s through their operation which are*credit ris#
asset+liability ris# foreign e)change ris# internal control , compliance ris# and money
laundering ris#. Among these ris#s management of credit ris# gets most attention. 'redit ris#
arises due to the possibility that the borrower may fail to repay the loan. -ollowing the recent
global financial crisis which originated from poor management of credit ris# credit ris# is
the most discussed topic in ban#ing industry.
After completion of analysis it is found that the 'redit Appraisal system of "rime Ban#
$imited %ha#a Ban# $imited Brac Ban# $imited are much efficient than &nited
'ommercial Ban# $imited and (ational 'redit and 'ommerce Ban# $imited.
Although all five ban#s are successfully operating credit ris# management they should
improve in some areas which will ta#e help the Ban# to become the leader of ban#ing sector.
-inally it can say that honesty reliability thoroughness and willingness to be open to new
ideas and new ways of meeting customer needs are most important for success.
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