Abstract:
This is the Study based on the 12 weeks short thesis program that I had successfully
completed in Sonali Bank Limited as a requirement of my MBA program on Department of
Business Administration,Daffodil International University. As being completely new to
practical, corporate world setting, every hour spent in the Bank activities gave me some
amount of experience all the time all of which cannot be explained in words. But
nevertheless, they were all useful for my career.
Though banks required both qualitative and quantitative analysis but for big loans bank
emphasizes on the lending risk analysis. But LRA is not a perfect measure of credit analysis.
The Bank cannot practices proper Sonali Bank guideline. The Sonali Bank has some
objectives but the bank can not follow all those objectives. The bank offers the different type
of loan then other bank in Bangladesh. Training and development sector, there are on-the-job
and off-the-job training techniques the bank follow some technique, but the bank can not
follow arranges off-the-job techniques video and films show. In the recruitment sector, Sonali
Bank guideline Bank Ltd. Can not follow the proper guideline of Sonali Bank
The branches should be developed. The branch's technology should be increased because the
customers are changing. The online service should be started for quick service. Branch
decoration and the customer hospitality service should be developed soon. The staff of the
Bank is not qualified about technology. The Bank should not sacrifice asset quality for
growth and set targets considering the market opportunities. No unrealistic growth target
should be fixed that will compel managers to do aggressive lending. The Bank’s share
division should be made more profit generating so that it can take off pressure for income
from the loan portfolio. The Bank’s credit policy should include common forms of credit
risks and educate its employees accordingly.
