Retail Lending is one of the core businesses for Prime Bank Limited and has been targeted for significant further growth. This reflects the potential of retail lending to produce high levels of economic profit and perceived demographic trends towards an expanded middle class and higher income levels. From the starting of the operation in Sylhet since 1996, PBL has maintained its pioneering position in retail banking by making a number of improvements and relaxing financing policies. As a really progressing and unique sector this report titled as “Retail Credit of Prime Bank Limited in Sylhet” attempts to find out the potentials and positions of the bank in Sylhet. The growth of consumer financing is very significant in Sylhet. In view of growth potential and considering its proportion in credit portfolio of PBL in Sylhet it has been considered as the integral part of the operation from the very beginning. Considering the competitive banks in Sylhet the condition of retail credit of PBL is very much encouraging and the bank maintaining its top position in very smooth way. The last five years operation in terms of retail credit shows a stable growth and upward tendency in Sylhet. It is obvious that the retail credit activities create the base for Prime Bank Limited in the zone. But there is some significant lacking in terms of technological backup and marketing efforts. This paper also considered upcoming threats endow with the competitors. After considering all the findings, some sorts of recommendations in terms of marketing activities and delegation procedure of loan have been made that may give pace to the retail credit activities and helps the bank maintain its top position.
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