The vital objective of this report is to analysis Credit Appraisal and Non-performing Loan of Dhaka Bank Limited. Other objectives of this reports are to identify the main factors of the credit risk and computation of credit risk grading of Dhaka Bank and identify the trend of total & sector wise disbursement of Loans & Advances. Here also identify and compare the trend of classified, unclassified and recovery of loans and advances of this bank. Finally identify the obstacles encountered when a loan is being default and the ways to overcome the problems.