Abstract:
Sonali Bank Ltd. is the largest state bank of Bangladesh. Sonali bank Ltd follows the rules
and regulation prescribed by the Bangladesh bank. The function covered a wide range of
banking and functional activities. The main intention of the Bank is to provide all of banking
services at the doorsteps of the people.
This is an orientation report conducting A Study on “An Analysis of the Credit Management
of Sonali Bank Limited: A Study on NCTB Branch”. The objective for making this report is
to identify the credit products and services, analyze credit appraisal, and explain loan
disbursement and recovery system of Sonali Bank Limited. After analyzing problems must be
identified and proper recommendation is to be given for solving the problems. Various
sources are be used to collect the proper information and achieve the goals. Observations,
team work, discussions methods are used to gain information needed.
Sonali Bank provide a safe and convenient way to accumulate savings and offer services for
managing money. The bank provided customer with a safe lending opportunity and the
recipients are liable to pay interest. It is an incentive for the bank to engage in the loan. They
follow liable way to disburse the loan and finally to recover the payments.
After analyzing it is founded out that the bank is not concerned about publicity , maximum
loan are given to long-term sector,, huge overdues,customer relations is little-bit poor, have
not enough skilled employees. These types of lakings must be reduced. Bank must imposed
necessary steps against the problems. They can employ more skilled person. Bank should
give sufficient support to SME and other micro-credit sectors. They should be more aware
about their potential customer.
