Loan Management of Jamuna Bank PLC

Abstract

This internship report presents a comprehensive evaluation of Jamuna Bank PLC's loan performance, focusing on essential financial indicators, loan risk management strategies, and operational procedures. The overarching goal is to assess the bank's loan portfolio, pinpoint areas of strength and weakness, and propose feasible recommendations for enhancement. The analysis encompasses a range of key aspects, including trends in classified loans, provisions for both classified and unclassified loans, contingent liabilities, non-performing loans, loandeposit ratio, return on assets, return on equity, and debt-equity ratio. These financial metrics offer valuable insights into the bank's liquidity, profitability, risk management practices, and leverage positions observed over the preceding five-year period. Additionally, the report scrutinizes the bank's loan approval processes, monitoring mechanisms, and recovery strategies. It emphasizes the significance of adopting a client-centric approach, maintaining a diversified loan portfolio, and implementing robust loan risk management practices to ensure the bank's financial resilience and sustained viability. Based on the analysis, several significant findings and recommendations have been outlined to bolster Jamuna Bank PLC's loan performance. These recommendations encompass enhancing loan risk assessment methodologies, refining monitoring and recovery protocols, strengthening customer engagement initiatives, and diversifying the loan portfolio to effectively mitigate risks. In conclusion, this report serves as a valuable resource for diverse stakeholders, including bank management, regulatory authorities, investors, and scholars. By offering insights into Jamuna Bank PLC's loan performance and actionable strategies for sustainable growth and success, it aims to facilitate informed decision-making and contribute to the bank's long-term prosperity.