Loan and advances of Sonali bank limited
Robbany, Md. Athikhor
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This is the Study based on the 12 weeks short thesis program that I had successfully completed in Sonali Bank Limited as a requirement of my MBA program on Department of Business Administration,Daffodil International University. As being completely new to practical, corporate world setting, every hour spent in the Bank activities gave me some amount of experience all the time all of which cannot be explained in words. But nevertheless, they were all useful for my career. Though banks required both qualitative and quantitative analysis but for big loans bank emphasizes on the lending risk analysis. But LRA is not a perfect measure of credit analysis. The Bank cannot practices proper Sonali Bank guideline. The Sonali Bank has some objectives but the bank can not follow all those objectives. The bank offers the different type of loan then other bank in Bangladesh. Training and development sector, there are on-the-job and off-the-job training techniques the bank follow some technique, but the bank can not follow arranges off-the-job techniques video and films show. In the recruitment sector, Sonali Bank guideline Bank Ltd. Can not follow the proper guideline of Sonali Bank The branches should be developed. The branch's technology should be increased because the customers are changing. The online service should be started for quick service. Branch decoration and the customer hospitality service should be developed soon. The staff of the Bank is not qualified about technology. The Bank should not sacrifice asset quality for growth and set targets considering the market opportunities. No unrealistic growth target should be fixed that will compel managers to do aggressive lending. The Bank’s share division should be made more profit generating so that it can take off pressure for income from the loan portfolio. The Bank’s credit policy should include common forms of credit risks and educate its employees accordingly.