“Credit Management System of Trust Bank Ltd”

Abstract

This report analyzes the credit management system of Trust Bank Limited, focusing on its procedures, policies, and risk assessment strategies in lending operations. It discusses the importance of effective credit management for ensuring bank profitability and reducing non-performing loans. The report outlines the full loan processing cycle, including client appraisal, credit approval, disbursement, monitoring, and recovery. It also evaluates the compliance of Trust Bank’s credit policies with the guidelines set by Bangladesh Bank. The findings highlight strengths in their risk management framework while also identifying areas for improvement, such as automation, training, and client monitoring practices. The report concludes with recommendations to enhance credit operations and maintain asset quality.