Md Monirul Islam
From the reporting entity’s viewpoint, financial statements are the means of reporting economic activities to stakeholders. From the investor’s viewpoint, they are a source of reliable information for economic decisions. As per International Accounting Standard-1 (IAS-1), a complete set of…
Md Monirul Islam
A credit proposal is a summary of all information collected during a credit investigation. It helps the approving authority make an informed credit decision. A good credit proposal must be complete, accurate, and well-structured. Features of a Good Credit Proposal…
Md Monirul Islam
Introduction Credit investigation is a systematic process through which a bank collects and evaluates information about a borrower before granting a loan or other credit facilities. The primary objective is to assess the borrower’s creditworthiness, repayment capacity, and associated risks…
Md Monirul Islam
Credit investigation refers to the process of carefully examining and assessing a credit proposal and related information from different dimensions. It helps the banker to build confidence in the borrower’s ability and willingness to repay. Credit investigation is a preventive…
Md Monirul Islam
Selecting the right borrower is the starting point for creating good credit. A bad borrower selection leads to Non-Performing Loans (NPLs). The bank follows a structured process to select the right borrower. The borrower selection process is composed of 13…
Md Monirul Islam
What is Sound Lending? Sound lending means providing loans in a safe and responsible manner. It is based on sound borrowers, sound business practices, sound credit officers, sound credit standards, a sound regulatory framework, and the unbiased application of law….