Credit risk management of southeast bank limited: A study on Shyamoli branch
Khan, Md. Saifur Rahaman
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A bank is a government-licensed financial institution whose primary activity is to lend money. Many other financial activities were allowed over time. For example banks are important players in financial markets and offer financial services such as investment funds. In some countries such as Germany, banks have historically owned major stakes in industrial corporations while in other countries such as the United- States banks are prohibited from owning non-financial companies. Banks have influenced economies and politics for centuries. Historically, the primary purpose of a bank was to provide loans to trading companies. Banks provided funds to allow businesses to purchase inventory, and collected those funds back with interest when the goods were sold. For centuries, the banking industry only dealt with businesses, not consumers. Banking services have expanded to include services directed at individuals, and risk in these much smaller transactions is pooled. Banks today are under great pressure to perform towards achieving the objectives of their stockholders, employees, depositors and borrowing customers, while somehow keeping government regulators satisfied that the bank policies, loans and investment are sound. But the principal reason banks are chartered by state and federal authorities is to make loans to their customers. Indeed, making loan is the principal economic function of banks to fund consumption and investment spending by individuals and businesses.
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