CREDIT RISK MANAGEMENT OF SOUTHEAST BANK LIMITED

A study on KTG Branch ,Chittagong

(An internship report submitted to International Islamic university chattogram in partial fulfillment of the
requirement of the degree Bachelor of Business Administration (BBA) with a major finance & Banking)

Prepared By
MD. Faisal
ID No: B171026

Program : BBA

Semester : Autumn 2020

Internship Duration : June 22 ,2021 to 30 SEPTEMBER ,2021

Date of submission : September 10,2020

Department of Business Administration

Faculty of Business studies
International Islamic university chittagong
 CREDIT RISK MANAGEMENT OF SOUTHEAST BANK LIMITED
A study on KTG Branch ,Chittagong
(An internship report submitted to International Islamic university chattogram in partial fulfillment of the
requirement of the degree Bachelor of Business Administration (BBA) with a major finance & Banking)

Prepared By
MD. Faisal
ID No: B171026

Program : BBA

Semester : Autumn 2020

Supervised By:

MD. RIZWAN HASSAN

Associate Professor

Department of Business studies

Internship Duration : June 22 ,2021 to 30 SEPTEMBER ,2021

Date of submission : September 10,2020

Signature of Supervisor

Department of Business Administration

Faculty of Business studies
International Islamic university chittagong
 Letter of Submission
20.09.2021
Mr. Rizwan Hasan
Associate Professor
DBA, IIUC

Subject: Submission of Internship Report.

Dear Sir,

I am here by submitting my Internship Report, which is a part of BBA program educational

plan. It is great pleasure to work your supervision.
This study based on, credit Risk Management Activities of SEBL, Khatungonj Branch. I
have got the opportunity to work in SEBL in CRU department for 12 weeks under
supervision of ASHOTOSH SEN (FAVP), ASIF IQBAL (SO). MANIRUL ISLAM (SAVP).
I have tried my best to present my ideas and findings as much as I could within the limited
period and from the available resource. I hope that the ideas and findings presented in the
report will provide properly understandable about the CRU activities of SEBL.
I shall be highly obliged if you are kind enough to receive the report and provide you
valuable judgment.

I have attempted my best to complete the report appropriately as must as possible.

Sincerely yours

MD. Faisal

ID No: B171026

Program : BBA

Semester : Autumn 2020

 Acknowledgement

At first I would like to offer my thanks to almighty Allah for providing me the opportunity to

perform my responsibilities as an intern and to write a report.

Moreover, I would like to express my gratitude to my internship supervisor Mr. RIZWAN

HASSAN. Associate Professor of DBA, IIUC for his guidance and advice that helped me a

lot to complete the intern report in an appropriate manner.

Also, I would like to express my gratitude to the Southeast Bank Limited. KHATUNGONJ

Branch for giving me an opportunity to complete my internship program at their branch for

promoting me to assemble information and helping me each conceivable path in setting up

the entry level Position report. I am thankful to my organization supervisor Mr. ASHOTOSH

SEN (FAVP) as well as ASIF IQBAL(SO) And MANIRUL Islam (SAVP) for their powerful

advice and guidance to understand all the activities of CRU, that’s make my difficult

internship journey easier.

Furthermore I would be thankful to the entire senior colleagues of SEBL Khatungonj to make

my internship journey easier. Without them it would not possible for me to complete this

complicated task.

Finally, my deepest gratitude goes to IIUC Authority for organizing this Internship Program

for students.
 Executive Summary

The internship report has been structured an “CRM of SEBL”- It is focused on primary data
and secondary data. The details obtained from various source such as annual report, credit
manual of bank etc.

In this article I evaluated CRG’s Credit Risk assessment model for this study. The CRG
model focuses on various types of Risks such as Financial Risk Corporate Risk, management
Risk etc. This CRG provide details about which bank has a high or low credit Risk. This
report is aim to represent a clear idea of SEBL, Policies, activities and accomplishments with
a specific reference to credit management. In conjunction primary and secondary information
obtained from a variety of source the internship report on CRU of SEBL was prepared. Bank
and financial Institution now a days are becoming very competitive and different kinds of
financial Institution service and products are rising with rapid growth. The information used
in the study is derived from a variety of sources e.g. annual report, SEBL credit manual,
SEBL KHATUNGONG branch daily statement of service. This report reflects the goods and
service available, quality of service and customer service performance. The management has
been able to lower the credit Risk all over its credit Risk exposure.
Table of content
Letter of submission…………………………………………………l
Acknowledgement……………………………………………………
Executive summary………………………………………………….
Chapter 1
Introduction
1.1 Background study……………………………………………………..
1.2 Origin of the study……………………………………………………
1.3 Objective of the study…………………………………………………..
1.4 Methodology……………………………………………………………
1.5 Scope of the study……………………………………………………….
1.6 Limitation of the study…………………………………………………..

Chapter :02

Company profile
2.1 Bank profile……………………………………………………………….
2.2 Vision………………………………………………………………………..
2.3 Mission………………………………………………………………………..
2.4 core values…………………………………………………………………..
2.5 core strength……………………………………………………………….
2.6 core competencies…………………………………………………………
2.7 corporate information at a glance……………………………………………
2.8 Strategic objective…………………………………………………………..
2.9 Management of SEBL……………………………………………………….
Chapter : 03
3.1 Conventional & Islamic mode…………………………………………..
3.2 Types of Finance……………………………………………………………
3.3 Funded facilities under conventional……………………………………….
3.4 Policies of Lending………………………………………………………….
3,5 General principle of Lending……………………………………………….
3.6 Risk management……………………………………………………………..
3.7 General guidelines…………………………………………………………
3.8 Funded facilities under Islamic sharia………………………………………
3.9 Non Funded Banking of Islamic & convention…………………………….
3.10 Facility Feature…………………………………………………………..
3.11 Credit Administration…………………………………………………….
3.12 Approval Process………………………………………………………….
Chapter 04
Financial Analysis………………………………………………………………
Chapter 05
5.1 Findings……………………………………………………………………… 5.2
Recommendation ……………………………………………………………
5.3 Conclusion……………………………………………………………………
5.4 Reference…………………………………………………………………….
 Chapter-01
Background of the Study
Introduction:
Modern banks play an important role in promoting economic development of a
company. Bank provide necessary funds for executing various programs underway in the
process of economic development. They collect savings of large masses of people
scattered throughout the country, which in the absence of banks would have remained
ideal and unproductive. These scattered amounts are collected, pooled together and
made available to commerce and industry for meeting the requirements.

As a servicing industry, the banks are customers oriented. Customers are the driver
power of a bank and it earns profit by providing services to customers. Customers are
the person or institutions which deal with the bank. In general, he, who has an account
in a bank, may be treated as a customer. In broad sense, customers may be seen from
the two wings- Depositors and Borrowers Besides these, other short term served
customers may exist in a bank. As the banking area is very hard and competitive, in
order to service and successfully complete with other banks, a bank has to serve its
customers very carefully. Now, in Bangladesh more than 50 scheduled banks are
operating their activities to serve customers.

To fulfill the demand of time and impress the customers most of the banks are now
trying to make their whole banking operation through online banking is the demand of
time. It is now no longer a “for all banks. Southeast Bank Limited performs many of its
operation in online and trying to include rest of the operations.

Southeast Bank Limited is continuing to begin new online services one by one. During
me protect Period I Got the opportunity to observe customer closely. I found that many
customers want more online services to save their time and cost. Many customers are
happy with traditional banking. Some Customers have no faith no Online Banking.
 Objective of The Report
Specific Objective:
In case of this report, the objectives are given below:

 Conducting a descriptive study on the credit Risk Management in Bangladesh.

 Observing evaluation procedure and understanding the activities of the Loan, Proposal,
Documentation Process, Disbarment Process of the host organization, SEBL.
 Providing idea about the approval of credit loan.
 Providing a idea about credit loan situation of now a day bank.
 Providing an idea where SEBL Invest their deposit most.


Methodology
Relevant data for this report has been collected by direct investigation of direct
records, papers, documents, operational process and different personal.

Date Sources:

For achieving the specific objective of the study, I have collected the related data both from
primary and secondary sources.

Primary data have been collected from:

 Interviewing and interacting with the customers of southeast Bank Limited.

 Conversation with the staffs or employees of this bank.
 Practical work experience in the different desk of Credit Risk Management division.

Secondary data have been collected from:

Internal Sources:

 Bank’s annual report.

 Training manual of Southeast Bank Limited.
 Prior Research report.
 Any information and literature regarding the banking sector.

External Sources:

 Different books and periodicals related to the banking sector.

 Bangladesh bank Report.
  Newspapers.
 Website Information.
1. Data processing and data Analysis:

Data have been processed through MS Word, MS Excel and analyzed using the tables and
diagrams.

Scope of the Study

The report is basically divided into two parts.

 The organizational part

 The project part

The organization part of the report focuses upon the organizational structure and the financial
service offered by SEBL. The study also concentrates upon the actual lending activities of the
company. It exposure to the various sectors and its performance. The project part of the
report focuses on the credit administrative measurement and monitoring process, credit
granting process-to supplement the study. I have also tried to focus the sector wise credit is
growth in Bangladesh with some oases organization.

Limitation
The main limitation for me was the fact that Information at the bank is confidential and
critical. Limitation of time was one of the most important factors that sharpened the present
study. Due to bank securitization fact I did not catch details Information.

I have to analysis and check out old document / image for collecting data.

This department is most busiest department. Always engaged with law fact against deflator
and always attended various meeting.

So, they did not provide much information which helps me most.
 Chapter 02
Company profile

Southeast Bank Limited was established in 1995 with a dream and a vision to become a
pioneer banking institution of the country and contribute significantly to the growth of the
national economy. The Bank was established by leading business personalities and eminent
industrialists of the country with stakes in various segments of the national economy. The
incumbent Chairman of the Bank is Mr. Alamgir Kabir, FCA, a professional Chartered
Accountant.
Southeast Bank is run by a team of efficient professionals. They create and generate an
environment of trust and discipline that encourages and motivates everyone in the Bank to
work together for achieving the objectives of the Bank. The culture of maintaining congenial
work - environment in the Bank has further enabled the staff members to benchmark
themselves better against management expectations. A commitment to quality and
excellence in service is the hallmark of their identity.
Southeast Bank takes pride in bringing women into the banking profession in a significant
number for gender equality.

2.1 Bank’s Profile

Southeast Bank Limited has been licensed by the Government of Bangladesh as a Scheduled
commercial bank in the private sector in the execution of the policy of liberalization of
banking and financial favors and kindness in Bangladesh. Because of the above, the Bank
within 26 years of its operation reached remarkable success and met up capital adequacy
need of Bangladesh Bank. It has been growing fast as one of the leaders of the new
generation banks in the given sector in respect of business and profitability as it is evident
from the financial statements for the last 26 years.
Southeast Bank Limited has 56 branches throughout Bangladesh and its sight is to be the
leading bank in the country’s principal markets. The bank by concentrating on the
occupation in its area of specialization has achieved great market repute with efficient
consumer service. The Bank is committed to giving continuous training to its staff to keep
them up to date with new practices in their respective fields of work. The Bank also tries to
fulfill its share in community responsibilities. By such calculates the Bank intends to rise and
increase shareholders’ earnings per share. Southeast Bank Limited pledges to maximize
customer needs through services and build a good relationship with the consumer, which
has stood the test of time for the last twenty-six years.

2.2 Vision
It is especially significant for managers and managers in any organization to agree upon the
basic vision of that firm to attain its long-term goal. A clear vision also provides a better
foundation for developing a complete Mission statement. So the formation of a vision
statement is very much necessary for every firm that should fast and state forward.
Southeast Bank also recognized its vision statement to achieve its long-term objectives and
goal. Their vision is to stand out as an innovator banking institution in Bangladesh and
contribute meaningfully to the national economy.

2.3 Mission
A business mission will help us the vision into the reality and is the basis for significance,
strategies, plans, and work tasks. Southeast Bank is very much worried about its mission
because it can only be bare by the manager and resolved through the mission statement.
The mission of the hank is stated below:
i. High moral standards in the business.
ii. Attraction and retaining of quality human resources
iii. Maintain high standard business ethics and preserve a good environment in their
working field.
iv. The inventive banking system at an inexpensive price.
v. Fast customer service.
vi. Stable return on shareholders’ equity.
vii. Balanced their growth strategy.
viii. Deep commitment to society and the growth of the national economy.
ix. Commitment to Corporate Social Responsibility.

2.4 Core Values: 2.5 Core Strengths:

i. Integrity. i. Professionally Strong Board of Directors.
ii. Respect. ii. Strong Capital Base.
iii. Fairness. iii. Transparent and Quick Decision Making.
iv. Harmony. iv. Efficient Team of Performs.
v. Team Spirit. v. Satisfied Customers.
vi. Courtesy. vi. Effective Internal Control.
vii. Commitment. vii. Proper risk management.
viii. Service Excellence. viii. Focus on diversification.
ix. Insight and Spirit. ix. Quality customer service.
x. Enthusiasm for work. x. Strong Asset Base.
xi. Business Ethics.

2.6 Core Competencies:

i. Knowledge.
ii. Experience and Expertise.
iii. Customer Orientation and Focus.
iv. Transparency.
 v. Determination.
vi. Zeal for Improvement.
vii. Pursuit of Disciplined Growth Strategies.
viii. Reliability.

2.7 Corporate Information at Glance:

Name of the Bank One Bank Limited

Name of Chairman Alamgir Kabir, FCA

Name of Vice-Chairman Mrs. Duluma Ahmed
Name of Directors Mr. M. A. Kashem, Mr. Azim Uddin Ahmed, Mrs. Jusna
Ara Kashem, Mr. Md. Akikur Rahman, Mrs. Rehana
Rahman, Mr. Raiyan Kabir
Name of Managing Director Mr. M Kamal Hossain
Name of Company’s Secretary Mr. A. K. M. Nazmul Haider, SAVP
Type of Ownership Public Limited Company
Date of Incorporation March 12, 1995
License Issued by Bangladesh
Bank
Registered Office Eunoos Trade Centre 52-53, Dilkusha C/A (Level 2, 3 &
16), Dhaka 1000
Line of Business Banking
Authorized Capital BDT 15,000 million
Paid-up Capital BDT 11,889.41 million
Audit Institution Howladar Yunus & Co., Chartered Accountants

Branch Numbers 135

ATM Booths
Year of IPO 1999
Subsidiary Company Southeast Bank Capital Services Limited.
Southeast Exchange Company (South Africa) Pty Ltd.
Off-Shore Banking Gulshan & Agrabaad (Two Branches)
Stock Exchange Listing Date April 10, 2000 (DSE) & April 24, 2000 (CSE)
Phone (88-02)9571115, 7160866, 9555466, 7173793
 Email [email protected] (For General
Query)
Website https://www.southeastbank.com.bd/
Tele-Fax 88-02-9550093
Swift Code SEBDBDDH
Launching Internet Banking March 23, 2013

Corporate Head Quarter

Legal Service Provider

Disaster Recovery Centre

Corporate Logo

Table 2.3.7: Corporate Information at Glance

2.8 Strategic Objectives:

i. Maintaining a high-quality assets portfolio to achieve strong and sustainable returns
and to continuously build shareholders’ value.
ii. Maintaining adequate capital in line with the risk appetite of the Bank.
iii. Strengthening trust and partnerships with customers by focusing on the Bank’s core
values of quality customer service, professionalism, teamwork, and integrity.
iv. Hiring professionals with strong background and knowledge.
v. Strengthening technologies that reduce operational risks and promote the
implementation of best practices in the industry.
vi. Developing innovative products and services that attract our targeted customers and
market segments.
vii. Exploring new avenues for growth and profitability.
viii. Practicing efficient risk management principles in line with all six core risks in banking
operation, green banking and environmental risk management.
2.9 Management of SEBL
For any financial and non-financial organization, management is the most valuable and
important resources of any kind of organization. And, a well-organized management gives
the organization a good chance to reach its ultimate goal. Management means planning,
organizing, staffing, directing and controlling of all financial and non- financial recourses of
an organization. Different aspects of management practice in SEBL are discussed below,

Position Hierarchy:
 Managing Director (MD)

Deputy Managing Director (DMB)

Senior Executive Vice president (SEVP)

Executive Vice president (EVP)

Senior Vice President (SVP)

Vice President (VP)

Senior Assistant Vice President (SAVP)

Assistant Vice President (AVP)

First Assistant Vice President (FAVP)

Senior Executive Officer (SEO)

Executive Officer (EO)

Principle Officer (PO)

Senior Officer (SO)

Management Trainee Officer (MTO)

Junior Officer (JO)

-
 Chapter 03
Credit Risk Management of SEBL

Credit risk arises from the potential that a borrower will fail to meet his/her obligations in
accordance with agreed terms, resulting in a negative effect on the profitability and capital of
the Bank. The bank needs to manage the credit risk interest in the entire portfolio as well as
the risk in individuals credits or transactions. The goal of credit risk management is to
maximize the risk adjusted rate of return of the bank by maintaining credit risk exposure
within acceptable parameters. Credit Risk Management Process enables Bank to Proactively
manage loan portfolios in order to minimize losses and earn an acceptable level of return for
shareholders.

3.1 Conventional Mode and Islamic Mode

Southeast Bank Ltd. extends credit facilities through both conventional and Islamic mode.
The conventional Banking Branches of the bank shall provide traditional lending facilities
while the Islamic Banking Branches shall provide lending following the operational mode
and methodologies permissible under Islamic Stadia.
 3.2 Types of Finance

 Trade finance
 Project / Industrial Finance
 Structure Finance
 Work Order Finance
 Export Import Finance
 Real Estate Finance
 SME Finance
 Agricultural Finance
 Retail Finance
 Credit Card
 Finance to BNFI
 Secured Credit
 3.3 Funded Facilities Under Conventional
 Term Loan
 Time Loan
 Over draft
 Forced Loan
 Advance against Bills under L/C
 Export development fund
 Loan against Trust Receipt
 Packing Credit
 Export cash credit
 Documentary Bill Purchases
 Non funded facilities under Conventional Banking System
 Letter of credit
 Back to Back Letters of Credit
 ursine payable at sight
 Acceptance of different types and ursine period
 Bank guarantee
3.4 Funded Facilities Under Islamic Shariah System
 Bai-Al-Murabaha
 Bai-Muajjal
 Al-Ijara
 Al-Musharaka
 Al-Mudaraba
 Bai-Salam
 Hire Purchase
 Mudaraba post Import finance against trust receipt
 Purchase and Negotiable of Export Bills
 Mudaraba Island Bills Purchase
 Marabaha Import Bills
 Pre shipment Finance
 Al-Suard-Ul-Hasan
 Hire Purchase under sherkatal meek
 ECC
 1.5 Non Funded Islamic Banking System
 Letter of credit
 Back to Back letter of credit
 Uasane payable at sight
 Acceptance of different types
 Bank guarantee

3.6 Facility Features

 On Specific Deal Basis
 On Revolving Basis

3.7 Policies of Lending

SEBL has credit policies that include.

 Lending guidelines
 Approval of Authority
 Credit Assessment Process

3.8 General Principle of Lending

 Background, Character and ability of Borrower
 Purpose and Amount of facility
 Source of Repayment
 Profitability and pricing
 Period
 Security
 Discouraged Business Types
 Lending Caps
 Risk Appetite Statement
 3.9 Risk Management
Basic Risk Areas:
 Borrower Analysis
 Industry Analysis
 Supplier / Buyer / Market Risk
 Technological Risk

3.10 General Guidelines

 Credit Appraisal and approval
 Issuance of Sanction advice
 Borrower’s Acceptance
 Appeal Process
 Facilities Subject to Guarantee
 Changes Terms and Conditions
 Delegation of Business Power
 Documentation
 Disbursement

3.11 Credit Administration

 Disbursement
 Custodial Duties
 Compliance Requirement

 Credit Monitoring

 3.12 Approval.Process
At Branch Level Itead Office Level
Head of
Marketing
Representative
Unitat
Division
Branch

Head of CRU
Divsion
 BCRC
Review/Recommendation
Head of Representative
Observation
Division
for compliance

Head of Head Office

Branch BCRC
Apporval

Approval
Authority Approval Authority UD
Executive
 Chapter 04
Financial Analysis

Classification status of credit portfolio of SEBL

Status Amount BDT in Percentage

million
Unclassified Loans
Standered 272243,24 92.28%
Special Mention Account 8396.58 2.85%
Sub total 280639.82 95.13%

Classified loan 375.57 .13%

Sub standered 270.81 .09%
Doubtful 13728.91 4.65%
Bad\ loss 4375.29 4.87%
Subtotal 295015.11 100%
Grand Total

NPL Ratio

NO Particulars percentage

1 Gross Non Performing loan Ratio 4.87%

2 Net non performing ratio 1.86%
3 Gross non performing 130.56%

Major Industry wise distribution of Exposure (Industrial Loan)

Particulars Taka in Million

 RGM 61487.89
Real state industries 19751.98
Textile industries 16615.78
Agro based Industries 15545.12
Cement & ceramies 6474.77
Ship Breaking industries 5693.62
Pharmaceutical industries 1755.87
Other industries 89718.61

Residual Contractual Maturity Breakdown Of The Portfolio

particulars Taka in Billion

On Demand 42270.54
Less than three month 75701.46
More than three months but less one year 79967.80
More than one year but less than five 57748.70
More than five years 39326.61

Major Industry Type Amount Of Impaired Loan

Particulars Taka in Billion

Agricultural 65.01
Industrial 6654.05
Consumer Credit 2809.49
Trade & Consumer 159.23
Credit To NBFL 4665.72
Loans to Capital Market

Year –wise outstanding position Of syndication Finance

year Outstanding loan under syndication at end of the year
 2020 2831.75
2019 2863.42
2018 3132.75
2017 2192.29
2016 1390.37

Year wise Non Funded Business

Year Export performance Import performance Guarantee

2020 194321.33 248901.33 16470.30

2019 205907.10 242294.82 22420.2
2018 190420.80 215379.77 16407.09
2017 167562.98 171531.73 15245.19
2016 146606.09 151812.58 16369.36

Loans And Advance

Trends of Loans Advance

BDT in Million
 Series 1
350000

300000

250000

200000 Series 1

150000

100000

50000

0
2016 2017 2018 2019 2020

Interpretation:The bank is showing a rising trend in the number of loans and advance for
SEBL average loans and advance are high but the std division is large .so the bank is growing
not stable.

Return On Equity
 Series 1
14.00%

12.00%

10.00%

8.00% Series 1

6.00%

4.00%

2.00%

0.00%
2016 2017 2018 2019 2020

Interpretation: The bank is earning lower amount from the shareholder equity from
previos year. ROE is not stable. During covid 19 pandemic ROE is getting lower than
previous year.

Return on Assets
 Series 1
1.00%
0.90%
0.80%
0.70%
0.60%
Series 1
0.50%
0.40%
0.30%
0.20%
0.10%
0.00%
2016 2017 2018 2019 2020

The ROA is not stable .Its sometimes increase or sometimes decreasing .During the pandemic
situation its getting very lower .It stand .43% which is vary SEBL performance.

Earning Per Share

 Series 1
3

2.5

2
Series 1
1.5

0.5

0
2016 2017 2018 2019 2020

SEBL did not earn much from per share.EPS is not stable. Its increase or decrease.2018 &
2019 it was able to come back its probable position.But during the pandemic situation its fall
down.

Invesment Income
 Series 1
5800

5600

5400

5200 Series 1

5000

4800

4600

4400
2016 2017 2018 2019 2020

Interpretstion: Bank investment income in 2020 decreased BDT millon 4882.78 to BDT
million 5288.98 compared in the previous year.Income from the investment include of
interest earned ,capital gain,revaluation in income,profit by selling securities as well as
dividends obtained from investment on treasuty bill .

Chapter 05
FINDING, RECOMMENDATION , CONCLUSION & REFERENCE

Findings

 Source of Income, Showings the vital source of legal Income. If the source of Income for
the account holder in illegal, then money laundering can occur, verification of the funds
source is needed. Ensuring proper introduction before opening any account can be proved
helpful to track on the customer for any kind of mishaps due to his conducts.
 Verification of client documents such as NID, Passport, Driving License, Trade License
Certificate of Incorporation and Board Legislation to protect the clients fraudulent
activities
 SEBL has introduce central limit loading in order to minimize the documentation Risk
 Compliance with guidelines from Bangladesh Bank will reduce money laundering.
 Appropriate (kyc) should be performed at the time of opening of the account.
 Risk area are correlated with opening an account. But now the bank can verify national
identification. Number through online checking service line.
 The major of customers come to SEBL to borrow term loan.
 Most customer have a good perception of SEBL
 The majority of client take out loan for their business perpous and working capital loan
 L/C, bank guarantee are mostly non-funded facilities occur.

Recommendation

In the Banking sector in Bangladesh ,SEBL is one of the growing bank.A most busy branch
is the Khatungonj branch of SEBL working at SEBL was a delightful experience.

The bank employees were very helpful and professional.Despite this ,within very short
duration of the practical training program ,it was not easy task to find too many items.The
suggestion given are just individual option to enhance the service of the customers in order to
meet the satisfaction of the customer so that SEBL is operation can be become easier.
Recommendation are given below;
 Appointed more professional Build more customized credit management parameters
 employees at the credit & foreign exchange department at busiest Branch
 SEBL should enhance their investment to Agricultural & SME sactor for less credit
risk
 Should build up a strong internal relation between top level managers mostly who are
engaged in CRM & defultder case issue
 Bank should create a strong strategy for information hiddency
 Bank should provide a better salary & increment to their employees so that their work
performance will growing & illegal concentration are not build in their min
Conclusion

The Purpose of the study is to assess the SEBL CRM. Credit risk awareness was an important
matter of each bank. Unless banks are able to recover the money they have given, the
financial inability will eventually result and their day-to-day operation will be stopped. In this
content I have applied to all the commercial bank a specific CRG model that is the prescribed
tool for measuring their credit risk aspects, which has been formulated by Bangladesh Bank.
The model focuses on the creation of an overall risk. Score focused on fine main areas of
bank risk management.
The study also compares Southeast Banks Credit Risk Status to three other bank in the
industry.
To measure the credit risk score sheet by the four private bank. Each bank has a specific
number of Risk Score Calculated by the (WAS) of each of the risk component of the sub
category and then the total Risk finally created. It demonstrate that in comparison with other
banks opertion in the same sector, the SEBL has the highest credit Risk that the management
should be adequately handled in order to achive better overall results.

Reference:

 Annual Report of southeast Bank Limited 2019 & 2020

 Managing core risk in Banking credit Risk Management ,published by Bangladesh
Bank
 Southeast bank limited credit risk management Mannual 2014
 SAVP MANIRUL ISLAM,FAVP ASHOTOSH SEN of the KATUNGONJ branch