Internship Report on "Analysis of Credit Risk Management at NCC Bank PLC"

Abstract

This report is part of the BBA program at Daffodil International University and focuses on "Analysis of Credit Risk Management at NCC Bank PLC." It looks at how the bank handles risks related to giving loans and credit. The report starts by explaining the purpose, goals, and methods used to gather information, along with the challenges faced during the study. It sets the foundation for analyzing how the bank manages credit risks. Next, it gives an overview of NCC Bank PLC, including its history, mission, vision, values, and management structure. It also discusses the bank’s products, services, employee grading system, and a SWOT analysis that highlights the bank’s strengths, weaknesses, opportunities, and challenges. The report then explains the basics of credit risk management, including the tools and strategies the bank uses to manage risks. It also looks at how the bank categorizes its customers and reviews its financial performance over the last five years, using key financial ratios to assess its approach. It further analyzes the bank’s credit risk performance using important ratios like the NonPerforming Loan (NPL) Ratio, Loan Loss Provision (LLP) Ratio, and Capital Adequacy Ratio (CAR). This helps to understand how well the bank manages its credit risks. Finally, the report shares the findings from the analysis, suggests ways to improve credit risk management, and concludes with reflections on the bank’s current performance and future potential. This report combines theory and practical analysis to give a clear picture of how NCC Bank PLC manages lending risks and plans its strategies for the future.