Credit Risk Management (CRM) Practices in Commercial Banks of Bangladesh: “A Study on Basic Bank Ltd.”

Raad Mozib Lalon

doi:doi:10.11648/j.ijefm.20150302.12

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Credit Risk Management (CRM) Practices in Commercial Banks of Bangladesh: “A Study on Basic Bank Ltd.”

Raad Mozib Lalon

Published in International Journal of Economics, Finance and Management Sciences (Volume 3, Issue 2)

Received: 8 January 2015 Accepted: 6 February 2015 Published: 15 February 2015

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Abstract

This Paper is not only a way for getting acknowledged about the efficiency in managing credit risk of Bangladeshi Banks, but also a conclusive reference for studying how CRM practices helps to increase profitability and long term sustainability of commercial banks. Credit risk management encompasses identification, measurement, matching mitigations, monitoring and control of the credit risk exposures. For conducting this research, I have to collect secondary data relating to the financial status of Basic Bank Ltd.In my analysis I have divulged a comprehensive overview about CRM in different phase of my report. First, I have described about the CRM practice and performance of BBL. Then, I analyze the impact of CRM on financial performance of bank. I have used Ms Excel as well as SPSS software to compare relationship between CRM and banks profitability. After analysis and discussion I have identified some conclusive findings of my research paper.

Published in	International Journal of Economics, Finance and Management Sciences (Volume 3, Issue 2)
DOI	10.11648/j.ijefm.20150302.12
Page(s)	78-90
Creative Commons	This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited.
Copyright	Copyright © The Author(s), 2015. Published by Science Publishing Group

Keywords

BBL, CRM Practice, ROA, NPLR, LLPR, CAR, STLR

References

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[3]	Andersen, T., Bollerslev, T., Diebold, F.X., and Labys, P. (2001). The distribution of realized exchange rate volatility. Journal of the American Statistical Association, 96, 42–55
[4]	Araten, M. and Jacobs, M. (2001, May). Loan equivalents for revolving credits and advised lines. The RMA Journal, 34–39.
[5]	Baesens, B., Setiono, R., Mues, C., and Vanthienen, J. (2003). Using neural network rule extraction and decision tables for credit-risk evaluation. Management Science, 49(3), 312–329.
[6]	Baesens, B., Van Gestel, T., Viaene, S., Stepanova, M., Suykens, J.A.K., and Vanthienen, J. (2003). Benchmarking state of the art clas- sification algorithms for credit scoring. Journal of the Operational Research Society,54(6), 627–635.
[7]	Baesens, B., Viaene, S., Van den Poel, D., Vanthienen, J., and Dedene, G. (2002). Bayesian neural network learning for repeat purchasemodelling in direct marketing.European Journal of OperationalResearch, 138(1), 191–211.
[8]	Cantor, R. and Packer, F. (1997). Differences of opinion and selection bias in the credit rating industry. Journal of Banking and Finance, 21, 1395–1417.
[9]	Carey, M. (2001). Dimensions of credit risk and their relationship to economic capital requirements. In Prudential supervision: what works and what doesn’t (ed. F. Mishkin). University of Chicago Press, London.
[10]	Carey, M.S. (2002). A guide to choosing absolute bank cap- ital requirements. Journal of Banking and Finance,26 (5), 929–951.
[11]	Cavanaugh, M. (2003). Credit FAQ: Foreign/local currency and sovereign / non sovereign rating differentials. Technical report, Stan- dard& Poor’s.

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APA Style

Raad Mozib Lalon. (2015). Credit Risk Management (CRM) Practices in Commercial Banks of Bangladesh: “A Study on Basic Bank Ltd.”. International Journal of Economics, Finance and Management Sciences, 3(2), 78-90. https://doi.org/10.11648/j.ijefm.20150302.12

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ACS Style

Raad Mozib Lalon. Credit Risk Management (CRM) Practices in Commercial Banks of Bangladesh: “A Study on Basic Bank Ltd.”. Int. J. Econ. Finance Manag. Sci. 2015, 3(2), 78-90. doi: 10.11648/j.ijefm.20150302.12

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AMA Style

Raad Mozib Lalon. Credit Risk Management (CRM) Practices in Commercial Banks of Bangladesh: “A Study on Basic Bank Ltd.”. Int J Econ Finance Manag Sci. 2015;3(2):78-90. doi: 10.11648/j.ijefm.20150302.12

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@article{10.11648/j.ijefm.20150302.12,
  author = {Raad Mozib Lalon},
  title = {Credit Risk Management (CRM) Practices in Commercial Banks of Bangladesh: “A Study on Basic Bank Ltd.”},
  journal = {International Journal of Economics, Finance and Management Sciences},
  volume = {3},
  number = {2},
  pages = {78-90},
  doi = {10.11648/j.ijefm.20150302.12},
  url = {https://doi.org/10.11648/j.ijefm.20150302.12},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.ijefm.20150302.12},
  abstract = {This Paper is not only a way for getting acknowledged about the efficiency in managing credit risk of Bangladeshi Banks, but also a conclusive reference for studying how CRM practices helps to increase profitability and long term sustainability of commercial banks. Credit risk management encompasses identification, measurement, matching mitigations, monitoring and control of the credit risk exposures. For conducting this research, I have to collect secondary data relating to the financial status of Basic Bank Ltd.In my analysis I have divulged a comprehensive overview about CRM in different phase of my report. First, I have described about the CRM practice and performance of BBL. Then, I analyze the impact of CRM on financial performance of bank. I have used Ms Excel as well as SPSS software to compare relationship between CRM and banks profitability. After analysis and discussion I have identified some conclusive findings of my research paper.},
 year = {2015}
}

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TY  - JOUR
T1  - Credit Risk Management (CRM) Practices in Commercial Banks of Bangladesh: “A Study on Basic Bank Ltd.”
AU  - Raad Mozib Lalon
Y1  - 2015/02/15
PY  - 2015
N1  - https://doi.org/10.11648/j.ijefm.20150302.12
DO  - 10.11648/j.ijefm.20150302.12
T2  - International Journal of Economics, Finance and Management Sciences
JF  - International Journal of Economics, Finance and Management Sciences
JO  - International Journal of Economics, Finance and Management Sciences
SP  - 78
EP  - 90
PB  - Science Publishing Group
SN  - 2326-9561
UR  - https://doi.org/10.11648/j.ijefm.20150302.12
AB  - This Paper is not only a way for getting acknowledged about the efficiency in managing credit risk of Bangladeshi Banks, but also a conclusive reference for studying how CRM practices helps to increase profitability and long term sustainability of commercial banks. Credit risk management encompasses identification, measurement, matching mitigations, monitoring and control of the credit risk exposures. For conducting this research, I have to collect secondary data relating to the financial status of Basic Bank Ltd.In my analysis I have divulged a comprehensive overview about CRM in different phase of my report. First, I have described about the CRM practice and performance of BBL. Then, I analyze the impact of CRM on financial performance of bank. I have used Ms Excel as well as SPSS software to compare relationship between CRM and banks profitability. After analysis and discussion I have identified some conclusive findings of my research paper.
VL  - 3
IS  - 2
ER  -

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Author Information

Raad Mozib Lalon

Department of Banking & Insurance, Faculty of Business Studies, University of Dhaka, Dhaka, Bangladesh

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APA Style

Raad Mozib Lalon. (2015). Credit Risk Management (CRM) Practices in Commercial Banks of Bangladesh: “A Study on Basic Bank Ltd.”. International Journal of Economics, Finance and Management Sciences, 3(2), 78-90. https://doi.org/10.11648/j.ijefm.20150302.12

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ACS Style

Raad Mozib Lalon. Credit Risk Management (CRM) Practices in Commercial Banks of Bangladesh: “A Study on Basic Bank Ltd.”. Int. J. Econ. Finance Manag. Sci. 2015, 3(2), 78-90. doi: 10.11648/j.ijefm.20150302.12

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AMA Style

Raad Mozib Lalon. Credit Risk Management (CRM) Practices in Commercial Banks of Bangladesh: “A Study on Basic Bank Ltd.”. Int J Econ Finance Manag Sci. 2015;3(2):78-90. doi: 10.11648/j.ijefm.20150302.12

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@article{10.11648/j.ijefm.20150302.12,
  author = {Raad Mozib Lalon},
  title = {Credit Risk Management (CRM) Practices in Commercial Banks of Bangladesh: “A Study on Basic Bank Ltd.”},
  journal = {International Journal of Economics, Finance and Management Sciences},
  volume = {3},
  number = {2},
  pages = {78-90},
  doi = {10.11648/j.ijefm.20150302.12},
  url = {https://doi.org/10.11648/j.ijefm.20150302.12},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.ijefm.20150302.12},
  abstract = {This Paper is not only a way for getting acknowledged about the efficiency in managing credit risk of Bangladeshi Banks, but also a conclusive reference for studying how CRM practices helps to increase profitability and long term sustainability of commercial banks. Credit risk management encompasses identification, measurement, matching mitigations, monitoring and control of the credit risk exposures. For conducting this research, I have to collect secondary data relating to the financial status of Basic Bank Ltd.In my analysis I have divulged a comprehensive overview about CRM in different phase of my report. First, I have described about the CRM practice and performance of BBL. Then, I analyze the impact of CRM on financial performance of bank. I have used Ms Excel as well as SPSS software to compare relationship between CRM and banks profitability. After analysis and discussion I have identified some conclusive findings of my research paper.},
 year = {2015}
}

Copy | Download

TY  - JOUR
T1  - Credit Risk Management (CRM) Practices in Commercial Banks of Bangladesh: “A Study on Basic Bank Ltd.”
AU  - Raad Mozib Lalon
Y1  - 2015/02/15
PY  - 2015
N1  - https://doi.org/10.11648/j.ijefm.20150302.12
DO  - 10.11648/j.ijefm.20150302.12
T2  - International Journal of Economics, Finance and Management Sciences
JF  - International Journal of Economics, Finance and Management Sciences
JO  - International Journal of Economics, Finance and Management Sciences
SP  - 78
EP  - 90
PB  - Science Publishing Group
SN  - 2326-9561
UR  - https://doi.org/10.11648/j.ijefm.20150302.12
AB  - This Paper is not only a way for getting acknowledged about the efficiency in managing credit risk of Bangladeshi Banks, but also a conclusive reference for studying how CRM practices helps to increase profitability and long term sustainability of commercial banks. Credit risk management encompasses identification, measurement, matching mitigations, monitoring and control of the credit risk exposures. For conducting this research, I have to collect secondary data relating to the financial status of Basic Bank Ltd.In my analysis I have divulged a comprehensive overview about CRM in different phase of my report. First, I have described about the CRM practice and performance of BBL. Then, I analyze the impact of CRM on financial performance of bank. I have used Ms Excel as well as SPSS software to compare relationship between CRM and banks profitability. After analysis and discussion I have identified some conclusive findings of my research paper.
VL  - 3
IS  - 2
ER  -

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