AI tools can be very effective in identifying, analyzing, and mitigating credit risk in commercial banks. In fact, many global banks are already using AI-driven systems for parts of their credit assessment, fraud detection, portfolio monitoring, and recovery operations. The key advantage of AI is t

It is always a big challenge to get information of the actual amount of non-performing loans [NPLs] of commercial banks in Bangladesh. In most of the cases, the published data does not reflect the true scenario of bad assets. By definition, NPLs include three types of classified loans viz. Substand