Abstract:
Uttara Bank Limited is one of many private banks who are operating properly with abiding by all the rules being set by Bangladesh Bank. The whole bank is divided into many sub-committees who divides the whole work in different segments. At the top they have Directors and later they got different committees such as Credit Committee, Finance Committee etc. Along with the directors there is CEO/Managing Director who has centered all the works and kept a harmony in all departments for the betterment and efficiency of the bank. The objective of this study is to gain information about the credit branch of Uttara Bank Ltd. To set up this report both essential and optional wellsprings of information have been utilized. The main segment of this report comprises of an initial part that has been created for the correct execution of the whole report. The subsequent segment portrays the organization profile including Uttara Bank'sset of experiences, their vision, mission and methodology, items and administrations, and operational organization organogram. Section three spotlight on the credit branch of Uttara Bank Limited. This is the primary piece of the task. It incorporates credit strategy, credit standards, and FICO score of Uttara Bank Limited. The bank is inefficient in generating profit from its assets and owner equity and the percentage of ROA and ROE are very low. The cost to income Ratio is increasing continuously after 2017 which is not good sign for the bank. To reduce cost to income ratio the bank either needs to increase its operating income or decrease its operating expenses. Employee expenses and administration expenses come under the operating expenses. The last part includes recommendations and conclusions. Suggestions can be given to overcome the problems of Uttara Bank. In a general sense, this study finds a very promising and positive tone of credit risk management for Uttara Bank.
