Analyzing credit risk management techniques of United Commercial Bank

Abstract

This internship program helped for gaining knowledge about how the corporate thigs works. This also helped to learn about how to deal with customers. This internship provided me with an outstanding opportunity which will assist me grow in my career. My trust and capacity to speak with a wide range of officials has grown as a result of the internship. It also allowed me to improve and expand my skills. In order to enhance its long-term efficacy, UCBL should concentrate on numerous important areas. It needs to update the IT system in order to get quicker server speeds using the latest innovations. Expanding deposit options for lower-income persons can help to expand the client base. Employee development is ensured through regular instruction and performance evaluations. Client satisfaction depends on the efficient agreement of customer issues. Loan applications should be approached with care. To acquire a prominent market position, competitive services must outperform competitors. The credit risk management of UCBL is examined from three perspectives. To begin, a theoretical evaluation of the 16 principles mentioned in "Credit Operation and Management" is performed to examine UCBL's compliance with these standards. Loan proposal documents, information collecting, and security analysis are all reviewed for compliance with these criteria. Furthermore, ratio analysis shows the credit risk performance of UCBL in comparison to other banks. With a rise in overall advances and loans in 2022, an increase in non-performing loans indicates more default rates. When compared to other leading banks, UCBL has a significantly greater ratio of non-performing loans to total loans in 2022 than City Bank, Brac Bank, Mutual Trust Bank, Prime Bank, and Bank Asia.