Abstract:
Bangladesh is a developing country in banking sectors plays a vital role in the economic
development of the country. Banking system of a country can well be said as a barometer of
its economic prosperity. Well-developed banking system is indispensable for modern trade
and commerce. Now-a-days, banks not only act as custodian of public money but also are
indispensable as vital agent for maintenance of sound financial position of a country.
Dhaka Bank Limited is a leading commercial bank in Bangladesh. The main objective of the
bank is to maintain the reputation and at the same time they have very simple application
form, which is very simple to understand and as well as to fill the form. Besides, general
banking activities the bank runs a successful brokerage house as a member of both Dhaka
Stock Exchange Limited and Chittagong Stock Exchange Limited.
The study not only focuses on the activities of Dhaka Bank Limited, but also highlights the
all management system of the bank. It also contains information about all credit proceedings
in an easy and simple manner. The study also includes whether some models and tools
proposed by various analysts those can help to reduce the non-performing loans to increase
bank‟s profitability.
The researcher conducted in-depth interview with various clients and officials of the banks to
collect necessary information. The findings show that to satisfy the customers and retain them
for long time. The study was conducted to know Dhaka Bank‟s application of financial and
non-financial information during the process of credit extension and the use of non-financial
information by questionnaire.
The banking sector of Bangladesh is passing through a tremendous reform under the
economic deregulation and opening up economy. Currently this sector is becoming extremely
competitive with the arrival of multinational banks, technological infrastructure, effective
credit management, higher performance level and utmost customer satisfaction. Dhaka Bank
Limited follows the all policy and practices set by the management and the guideline set by
the Bangladesh Bank. As a result, they are performing well in reducing the high classification
rate and achieving the profit target of the bank.
