Md Monirul Islam
Aspects of Credit Appraisal The primary objective of credit appraisal is to determine whether an investment proposal is sound enough to receive bank finance. To reach a lending decision, the bank conducts a critical and systematic evaluation of every important…
Md Monirul Islam
ঋণ মূল্যায়ন (Credit Appraisal) কোনো ঋণ বা বিনিয়োগ প্রস্তাব অনুমোদনের আগে সেটির একটি বিস্তারিত বিশ্লেষণ প্রয়োজন হয়। এই বিশ্লেষণ-প্রক্রিয়াকেই বলা হয় ঋণ মূল্যায়ন। প্রকল্পটি কারিগরিভাবে কতটা সম্ভাব্য, অর্থনৈতিক বিচারে এর প্রয়োজনীয়তা কতটুকু, বাজারে এর সম্ভাবনা কেমন, আর্থিক দিক থেকে এটি…
Md Monirul Islam
Credit appraisal is a detailed evaluation of a credit proposal to determine the technical feasibility, economic necessity, marketing prospects, financial viability, and managerial competence required for the successful operation of a project. In simple terms, credit appraisal is a pre-investment…
Md Monirul Islam
Financial ratio analysis is the most widely used tool for evaluating a bank’s financial health and performance. Regulators, investors, and bank management use these ratios to assess profitability, asset quality, liquidity, capital strength, and operating efficiency. Have a look at…
Md Monirul Islam
Selecting the right borrower is the foundation of sound credit management. The Internal Credit Risk Rating System (ICRRS) plays a vital role in this process. It helps banks assess borrowers objectively and make prudent lending decisions. The importance of ICRRS…
Md Monirul Islam
In general, banks must follow the Internal Credit Risk Rating System (ICRRS) strictly. However, Bangladesh Bank has allowed some exceptions. These exceptions address practical situations where the standard rating process cannot be applied. Newly Established Companies A newly established company…