• Dr. Abdullah Al Mamun

Smooth and efficient flow of saving-investment process is a prerequisite for the economic development of a country. Bangladesh, being a developing country and with an underdeveloped capital market, mainly depends on the intermediary role of banks for mobilizing internal saving and providing capital to the investor. Thus, it matters greatly how well our financial sector is functioning. The process of economic development of Bangladesh has been seriously constrained by the continuing crisis of the accumulation of classified loans. As Loan is the prime asset of a bank, it is essential to know the asset quality of a bank, regulation helps to determine the financial health and efficiency of the banking sector. Besides, a proper loan classification and provisioning system ensures credibility of the financial system that in turn restores trust and confidence in the mind of depositors. Loan classification and provisioning system is also essential for regularizing follow-up, monitoring activities and improving the recovery position. However the objectives of the study are to explore the loans and advances of banks of Bangladesh, to find out the industrial loans of banks of Bangladesh and to calculate the percentage of non performing industrial loans of banks of Bangladesh. The study was documentary analysis type. The study was conducted in the area of Dhaka city in Bangladesh. Five Banks were selected for the study such as Sonali Bank Ltd, Janata Bank Ltd, Agrani Bank Ltd, Bangladesh Development Bank Ltd and Islami Bank Ltd. Data were collected from the annual report of the selected Banks. A common and very important problem in credit process is lack of monitoring client and adequate valuation of collateral. In absence of monitoring process the bank will fail to recognize early signs that asset quality will deteriorate and will miss the opportunities to work with clients to stem their financial deterioration and to protect the bank’s position. In some cases, the failure to perform adequate due diligence and financial analysis and to monitor the client can result in a breakdown of control to detect credit related fraud.

Status, Industrial loan, Bank, Non performing loan, Credit risk management

"A Study on Status of Industrial Loans of Selected Banks of Bangladesh", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.5, Issue 12, page no.42-47, December-2018, Available :http://www.jetir.org/papers/JETIR1812608.pdf

"A Study on Status of Industrial Loans of Selected Banks of Bangladesh", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.5, Issue 12, page no. pp42-47, December-2018, Available at : http://www.jetir.org/papers/JETIR1812608.pdf