“Credit Risk Management of Southeast Bank Limited”

Abstract

This internship report titled “Credit Risk Management of Southeast Bank Limited” has been prepared as a partial fulfillment of the requirements for the degree of Bachelor of Business Administration (BBA). The primary objective of the report is to analyze the credit risk management system, policies, and practices followed by Southeast Bank Limited. The report is mainly based on secondary data, including annual reports of Southeast Bank Limited, Bangladesh Bank guidelines, relevant journals, textbooks, and online resources. Some practical insights have also been gathered through observation and discussion with bank officials during the internship period. The study discusses the concept of credit risk, principles of credit risk management, credit appraisal procedures, risk grading systems, and preventive measures against non-performing loans (NPLs). The analysis reveals that Southeast Bank Limited follows a structured and systematic credit risk management process in line with Bangladesh Bank regulations. The bank maintains a comparatively low level of non-performing loans, indicating effective monitoring and recovery mechanisms. However, the report also identifies certain limitations such as time constraints, restricted access to confidential data, and reliance on secondary information. Based on the findings, several recommendations have been proposed to enhance credit risk monitoring, diversification of loan portfolios, and technological advancement. Overall, the report concludes that Southeast Bank Limited has a sound credit risk management framework, but continuous improvement and strict compliance are essential to cope with the dynamic banking environment.