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Reference: 1. Banking Companies Act of 2008, Bangladesh . 2. Binsardi, A.(2008). Methods for Management.2nd edn., UK: Northwest Academic Publications (October 15, 2012). 4.B rigo , D. R. & Masetti P. S. (2006). Business Research Methods.9th edn., UK: McGraw Hill Publishing Company. 5. Cooper, D & Schindler, J. (2006). International Financial Management. Cincinnat Ohio: Thomson South-Western College. 6. Crouhy, A.V.H. (1933). Influential Factors on Credit Risk: A case study in one of the private banks in Canada, Journal of Basic and Applied Scientific Research. volume 3, 9th edn., 3(8) 433-497. 7. Darrel, R. (2003). ,Research Methods for Business Students.4th edn., Harlow, USA: Prentice Hall. 8. Fight, E. (2004). Competitive strategy and performance measurement in the Malaysian context, an exploratory study. Management Decision. 4th edn., 1(9) 107-115. 9. Heredia, J. (2011).International Financial Management. 10th Thomson South-Western College. 10. Jaodekar, S. (2001). Introduction to Credit Risk. 13th edn. , New Delhi: Prentice-Hall of India Private Limited. 11. Keller, A. (2001). Research Methodology, , 2nd edn., New Delhi: New Age International (P) Limited. 12. Kyngas, D (2008). Credit Risk Control. 2nd edn., London: Chapman & Hall. edn., Cincinnati Ohio: 10th edn.,

13. Malhotra, N.K. & Dash, S. (2011). Marketing Research: An Applied Orientation. 3rd edn., India: Dorling Kindersley Pvt. Ltd.. 14. Saunders, A. (2007) .Research Methods for Business Students. 4th edn., Harlow, UK: Prentice Hall. 15. Scheller, M. J. (2008) .A Guide to Reduce Credit Risk. 4th edn., New York: Sterling National Bank . 16. Saunders, A., L. Allen, and G. DeLong. Issues in the Credit Risk Modeling of Retail Markets. 2nd edn., London: Chapman & Hall. 17. Ray A. A. and Bureau S. M. (2003). Risk Management. 3rd edn., New York: John Wiley & Sons. 18. Scheller, M. J. and Allen J. (2008). A Guide to International Credit Risk Management, 3rd edn., WI: Filene Research Institute.

Websites
http:// www.law.cornell.edu. /[ Electronically accessed on 20th july] http:/ www.emeraldinsight.com / /[ Electronically accessed on 25th july] http:// bankrate /cima/[Electronically accessed on 1st August] http://www.businessdictionary.com/[ Electronically accessed on 17th july] http://www. merriam-webster.com /[ Electronically accessed on 25t july] http:// collinsdictionary.com/[ Electronically accessed on 20th july] http://www.investopedia.com/[ Electronically accessed on 17th August]

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