BRAC bank SME financing: a new era of banking

Abstract

The main aim of this report is to provide analysis on the SME loan activities and process of BRAC Bank Limited and how they choose their clients or enterprises to avoid the default risks. Before going to the analysis, it is mandatory to know something about the organization, its core products that it offers to its customers; about the SME loan, its classifications and the whole of its process. For this purpose, first of all, I made an overview of the organization, BRAC bank Limited, where I had completed my internship program. Here, I discussed about the bank’s history of origination, its mission and vision, major Business Division and major products and services, management of the bank. SME is the next section where I gave my concentration. Here, I give a small introduction of SME Banking Division. Then I give detail of SME Division- Vision, Values, Strengths, Structure, Target market, Reasons of SME Banking, SME Network of BBL, and SME Product Detail of BBL. Then I focused on the SME loan activities process of SME loan. After that I discuss about how SME Division secure their loan- enterprise selection criteria Entrepreneur Selection Criteria, Guarantor Selection Criteria, Types of Securities Taken against Loan, Monitoring, Disbursement amount and client base of SME. In the next part I am talking about my experience in BRAC Bank. Then I discuss my Job details that I need to do in office. At the ending part of my report I got some findings from the analysis of the SME loan activities of BRAC Bank Limited. Finally, I conclude my report by giving some recommendations and conclusion.