Credit risk management of Southeast Bank Ltd. (Mohammadpur Branch)

Abstract

The Internship report has been prepared on “Credit Risk Management of Southeast Bank Ltd.” based on secondary data and information. The information used in the report has collected from various sources such as published materials like annual report, the credit manual of Bank. Daily statement of affairs of Mohammadpur branch and articles related to banking activities. I have prepared this report to represent the available product & service facilities, service quality, their efficiency to serve customer, terms and conditions etc. Southeast Bank always tries to launch new products and services according to customers taste and preference. SEBL works with the aim to achieve service excellence and maximize shareholder’s value. SEBL has not enough branches in different districts of Bangladesh. So SEBL should increases the number of their branch to get more customers. SEBL also has to consider their fees and charges & their formal procedure and should change them. And from the financial performance analysis it is found that, Southeast Bank Ltd. had some difficulties in the past, but in the last five years, it experienced growth in their operations.. Their special banking services like – Internet Banking, Online Banking etc. are very effective to create customer satisfaction. Southeast bank Ltd. had significantly reduced its various risk elements. All of its credit risk exposures show that the management has been able to reduce the credit risk. There is more Private Bank in Bangladesh and that is why competition is very high. So it becomes a challenge for SEBL to retain its existing customers .There is a hope that, SEBL is always very conscious about its consumer banking and always try to make change with time want to modernize its products and services.