Risk Management Systems Of Sonali Bank Limited
An internship report in partial fulfillment of the requirement for the degree of
Masters Business Administration ( MBA)
SUPERVICED BY
Lamina Binta Jahan
Assistant professor
.Department of Accounting & Information Systems
Comilla University, Cumilla Bangladesh
SUBMITTED BY
Khadiga Rume Mahabub
ID: 22006047
Session: 2019-2020 (Batch 10th )
Department of Accounting & Information Systems
Comilla University, Cumilla ,Bangladesh
Date of Submission: January 30,2022
Letter of Transmittal
January30,2022
Lamina Binta Jahan
Assistant Professor
Department of Accounting and Information Systems, Comilla University
Subject: Submission of Internship Report
Dear Sir,
It is inform you that I am completely contented to submit the internship report on "Risk management
systems of Sonali Bank Limited". I expect this report to be informative as well as comprehensive though
there are some limitations. Sonali Bank Limited was totally a challenging experience for me. I feel that vast
knowledge and experience I got here will me in my near future which is all about my career. I have tried my
best to prepare the report very worthwhile with my limited knowledge.
Your acceptance and appreciation will surely inspire me a lot. For any further queries about the report, I
will be gladly available to clarify the overall information used here. Yours obediently,
...................
Khadiga Rume Mahabub
ID :22006047
Department of Accounting and Information Systems
Comilla University
Student Declaration
January 30,2022
Lamina Binta Jahan
Assistant Professor
Department of Accounting and Information Systems
Comilla University
Subject: Declaration regarding the validity of internship report
Dear Madam,
I also express my confirmation in support of the fact that the said internship report has neither submitted
before to fulfill any other course related purpose nor it will be submitted to any other person or authomority
in future.
This is my declaration that the internship report "Risk Management Systems of Sonali Bank Limited".
which is submitted to you not a copy of any other internship report previously made by any one.ear sir,
Sincerely
.............
.Khadiga Rume Mahabub
ID: 22006047
Department of Accounting and Information Systems
Comilla University
Supervisor's Certification
This is to endorse that the internship report on "Risk Management systems of Sonali Bank
Limited" is completed by Khadiga Rume Mahabub. ID: 22006047 as a partial requirement for
fulfillment of MBA program from "Comilla University". This internship report has been prepared
under my supervision. The student has work hard to make this report. I think he has been
competent to present a decent report.
I wish his all success in life.
………………………………
Lamina Binta Jahan
Assistant Professor
Department of Accounting and Information Systems
Comilla University
Certificate of Internship
Acknowledgement
At the beginning, I would like to express my sincere gratitude to the almighty Allah, the most merciful and
beneficial for empowering me to prepare the report within the scheduled time. I would like to express my
profound gratitude and whole hearted respect to Lamina Binta Jahan, Assistant Professor, Department of
Accounting and Information Systems, Comilla University to inspiring guidelines, providing procedures and
valuable suggestion and helping me to prepare this report.
Finally, I would like to express my profound gratitude to my family members who have given me the
opportunity to accomplish the MBA program and making this report as an intern.
However, the responsibility of errors and omissions (if any) in this report lies in my account.
Sincerely….
.Khadiga Rume Mahabub
ID: 22006047
Department of Accounting and Information Systems
Comilla University
Executive Summary
This report is about the risk management systems of Sonali Bank Limited where the
information provided here is based upon my own experience. Every bank has their own specific strategy
without that the establishment of bank is impossible. Sonali Bank Ltd. Also has a specific strategy with the
focus of one counter service to the clients. Sonali Bank Limited is the largest state owned commercial bank
of Bangladesh. The bank has been converted to a public limited company with 100% ownership of the
government and started functioning as Sonali Bank Limited from 15 November 2007 taking over all assets,
liabilities and business of Sonali Bank. After corporatisation, the management of the bank has been given
required autonomy to make the bank competitive and to run its business effectively. To give a competitive
edge, "Risk Management Systems of Sonali Bank Limited" is a very strong and helpful tool for any bank.
Sonali Bank took the tool and work with it before anyone does in the banking industry in Bangladesh.
Table of Content
Serial No. Particulars Page No.
1 Letter of Transmittal
2 Student Declaration
3 Supervisor's Certification
4 Certificate of Internship
5 Acknowledgememt
6 Executive Summary
7 Table of Content, Acronym
Chapter-1 Introduction
1.0 Introduction 1
1.1 Background of the study 2
1.2 Rationale of the study 2
1.3 Motivation of the study 3
1.4 Objectives of the study 3
1.5 Contribution of the study 3
Chapter-2
Literature review & Theoretical background
2.0 Literatur review 4-5
2.1
Theoretical background 6
2.1.0
Definition of risk 6
2.1.1 Types of risk 6
2.1.2 Risk management system 7
Objectives 7
2.1.3
Risk management component 8-9
2.1.4
2.1.6
High risk factor
10-11
2.1.7 Low risk factor
12-13
Chapter-3
Organizational Profile Of Sonali Bank
Limited
3.0 Banking Sector Situation In Bangladesh 14
3.0.1 History Of Sonali Bank LImited 14-15
3.0.2 Mission Of Sonali Bank Limited 15
3.0.3 Vision of Sonali Bank Limited 15
3.0.4 Ethical Principle Of Sonali Bank LImited 15
3.0.5 Stratagic Objective Of Sonali Bank Limited 16
3.0.6 Logo Of Sonali Bank Limited 17
3.0.7 Corporate Profile Of Sonali Bank Limited 17-18
3.0.8 Board Of Directors Of Sonali Bank Limited 19
3.0.9 Exacutive Committee Of Sonali Bank Limited 19
3.0.10 Audit Committee Of Sonali Bank Limited 19
3.0.11 Awards And Recognition Of Sonali Bank limited 21
Chapter-4
Methodology of Sonali Bank limited
4.1.0 Methodology 22
4.1.1 Research Design 22
4.1.2 Sampling Design 22
4.1.3 Data Collection: 22
4.1.4 Sources of primary data 23
4.1.5 Secondary data 23
4.1.6 Limitation of the Study 23
Chapter-5
Analysis and Findings
5.1.0 Current Position of risk management syatems of Sonali 24
Bank Limited
5.1.1 Diaclosure of Credit Risk 25-26
5.1.2 Credit Risk Ratio 25-26
5.1.3 Liquidity Ratio 28
5.1.4 Profitability Ratio 29
5.1.5 Questionnaire Survey 30-39
5.1.6 Findings 40
Chapter -6
Recommendation and Conclusion
6.1 Recommendation 41
6.2 Conclusion 42
Chapter-6
Bibliography and References
Bibliography and References 43
