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    Impact of Covid-19 On Loan Performance A Study On Sonali Bank Limited (Savar Cantonment Branch)

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    Abdullah Al Mamun
    This document provides a summary of a practicum report on the impact of COVID-19 on loan performance at Sonali Bank Limited in Bangladesh. It discusses the background and objectives of the report, which are to familiarize oneself with consumer loan concepts, procedures, qualifications, and recovery processes at Sonali Bank, and to analyze the bank's loan performance compared to competitors. The report will focus on consumer financing functions and examine consumer loan procedures and recovery procedures based on internship experience. Literature on non-performing loans in Bangladesh and performance evaluations of commercial banks is reviewed. The research methodology is described, including the use of a positivist philosophy and quantitative approach with descriptive research, data collection from primary interviews and surveys as well

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    Impact of Covid-19 On Loan Performance A Study On Sonali Bank Limited (Savar Cantonment Branch)

    Uploaded by

    Abdullah Al Mamun
    44 views6 pages
    This document provides a summary of a practicum report on the impact of COVID-19 on loan performance at Sonali Bank Limited in Bangladesh. It discusses the background and objectives of the report, which are to familiarize oneself with consumer loan concepts, procedures, qualifications, and recovery processes at Sonali Bank, and to analyze the bank's loan performance compared to competitors. The report will focus on consumer financing functions and examine consumer loan procedures and recovery procedures based on internship experience. Literature on non-performing loans in Bangladesh and performance evaluations of commercial banks is reviewed. The research methodology is described, including the use of a positivist philosophy and quantitative approach with descriptive research, data collection from primary interviews and surveys as well

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    Loan Performance

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    Loan Performance

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    This document provides a summary of a practicum report on the impact of COVID-19 on loan performance at Sonali Bank Limited in Bangladesh. It discusses the background and objectives of the report, which are to familiarize oneself with consumer loan concepts, procedures, qualifications, and recovery processes at Sonali Bank, and to analyze the bank's loan performance compared to competitors. The report will focus on consumer financing functions and examine consumer loan procedures and recovery procedures based on internship experience. Literature on non-performing loans in Bangladesh and performance evaluations of commercial banks is reviewed. The research methodology is described, including the use of a positivist philosophy and quantitative approach with descriptive research, data collection from primary interviews and surveys as well

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    Impact of Covid-19 On Loan Performance A Study On Sonali Bank Limited (Savar Cantonment Branch)

    Uploaded by

    Abdullah Al Mamun
    This document provides a summary of a practicum report on the impact of COVID-19 on loan performance at Sonali Bank Limited in Bangladesh. It discusses the background and objectives of the report, which are to familiarize oneself with consumer loan concepts, procedures, qualifications, and recovery processes at Sonali Bank, and to analyze the bank's loan performance compared to competitors. The report will focus on consumer financing functions and examine consumer loan procedures and recovery procedures based on internship experience. Literature on non-performing loans in Bangladesh and performance evaluations of commercial banks is reviewed. The research methodology is described, including the use of a positivist philosophy and quantitative approach with descriptive research, data collection from primary interviews and surveys as well

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    of 6

    IUBAT- International University of Business

    Agriculture and Technology

    Practicum Report on

    Impact of Covid-19 on Loan Performance

    A Study on Sonali Bank Limited (Savar


    Cantonment Branch )

    Prepared For
    M Shaikh Imran Akand
    Senior Lecturer

    Prepared by
    Md Abdullah Al Mamun
    ID: 17102049
    Major: Accounting
    Program:BBA

    Date of Submission: 29.03.2021


    Chapter-1

    Introduction
    1.1 Background

    All the countries economy's stability is closely linked to its banking system's soundness. The
    banking system plays a vital role in the advancement of economic development in a developing
    country such as Bangladesh. In the economic structure a bank is like a heart. The bank is
    considered as the heart of the economic structure. Different sectors like the agricultural sector,
    the industrial sector is developing by the financing of banks. Now a day’s banks are financing
    small, medium, and large organizations as well as personal loans to their customer. The loan
    facilities help a customer to meet their personal needs and give benefit to the entrepreneurs to
    increase revenue.

    On the other hand, as a part of the academic curriculum, the Internship program is compulsory
    for BBA students. It helps a student to use theoretical knowledge in real life. So I have found an
    opportunity to do internship in Sonali Bank Limited and was authorized to prepare a report on
    “Comparative Analysis of Loan Performance during COVID-19: A study on Sonali bank, Savar
    Cantonment branch”.

    In this report, I tried to focus on the functions and performance of consumer financing, consumer
    loan procedure, and recovery procedures. This report is prepared based on my practical
    internship experience and I believe this experience will help me in my future career.
    1.2 Objectives of the report
    Research objectives are basically divided into two parts, broad or main objective and specific
    objectives. This report is also prepared based on these two objectives.

    1.2.1Broad objective

    The main objective of this report is to familiarize with the concepts of disbursement of loan,
    performance of consumer credit and recovery procedure of Sonali Bank Limited, Savar
    Cantonment Branch.

    Specific objective:
     To know different types of consumer credit.
     To know the procedures & qualifications of consumer financing.
     To know the procedures of recovering of consumer financing.
     To identify the problems related to the consumer credit.
     To critically analyze the performance of Sonali Bank Ltd. & other competitors.

    Literature Review

    Sanjida Afrin (2020) studied the intensity of Nonperforming loans and its adverse impact on the
    performance and profitability of the banking sector of Bangladesh. The researcher finds NPL has
    increased at a high speed. 5% to 10% of NPL ratio is the peak zone for the banking sector of
    Bangladesh. Moreover, Tanbir & Kashfia (2009) discussed about the performance evaluation of
    selected commercial banks in Bangladesh and finds that loan recovery rate are able to manage
    the banks credit efficiently. It is observed that the classified loans of DBBL, DBL & PBL is very
    low i.e. about 2%. It has been identified that almost every year’s loan & advances of private
    commercial banks have increased from the previous year.
    Research Methodology

    Philosophy
    To conduct this research I used Positivism as philosophy. Because the researcher used hypothesis
    to measure the performance of consumer financing.

    Research approach
    Quantitative research approach has been used in this part to solve the research problem. At first, I
    have to find out some problems and reach a conclusion by using the statistical tool. On the basis
    of the respondent opinion and questionnaire survey, this study has been done.

    Type of research: Descriptive


    In this research, the researcher is up to know the existing causes or problems behind this
    phenomenon (SBL’s poor performance or slow growth in Consumer Credit), to describe the
    phenomenon articulately with population’s opinion through questionnaire and to make some
    recommendations from available information.

    Method of Data Collection


    In this case, data sources are identified and collected to perform the study. Most of the relevant
    information is collected from primary source.

    Primary Data: Researcher has collected primary information by interviewing clients of loan
    department of Sonali Bank Ltd, Savar Cantonment branch. Primary information is under
    consideration in the following manner:

     Face to face conversation with the officers and employees


     Face to face conversation with the clients
     Direct observations of practical work

    Secondary Data

     Official website of SBL


     Annual reports of SBL
     Related files and documents provided by Credit department of SBL
     Bangladesh Bank Website
     Newspaper articles regarding the issue.

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