This report divided the whole report into five chapters. Those chapters are backdrop of the report, banking sector in Bangladesh. short profile of Mutual Trust Bank Ltd. (MTBL) performance of MTBL, rudimentary concept of credit, sound lending principles, mechanism for m lending risks analysis, SWOT analysis, foreign exchange and Final etc. in first chapter, I have explained about Background of the study, Objective of the study, Methodology of the study, Limitations Of the Study.