ICRRS of cement manufacturing clients of corporate banking division – Habib Bank Limited, Bangladesh

Abstract

The report focuses on the risk rating of business from a particular industry by the Corporate Banking division of Habib Bank Limited- Bangladesh by the credit risk assessment method ICRRS. The Internal Credit Risk Rating System (ICRRS) is an approach introduced by Bangladesh Bank, that is being used for evaluating the creditworthiness of borrowers. Chapter 1 of this report is about the information about the student along with the experiences and learnings. In the second chapter, the overview of the organization is shared including the analysis of the financial performances of HBL Bangladesh over the last five years. Chapter 3 of this report is about the project part. A thorough evaluation is conducted by the bank to present the practical execution of the credit risk rating on a client. The client's internal credit risk assessment is conducted and the results are illustrated step by step which demonstrates the extensive view of the financial position and condition. Moreover, the challenges faced by HBL are stated along with the probable recommendations for further enhancement.