sme loan management of exim bank limited

Welcome To My PresentationSubmitted To

Professor Dr. Shah AlamDepartment Of Business Administration

Submitted ByName: Md.Shams Akhter

Reg.No:11102075 BBA 30th Batch

Topic

SME Loan Management of Exim Bank Limited

General Objectives : The General Objective of this report is to provide SME Loan Management of Exim Bank Limited. The all activities of this report to focus on SME Loan Management of Exim Bank Limited.

Specific Objectives : To Understand the banking industry’s competitiveness by studying Porter’s Five Forces.

• To Analyze the various products offered by Exim Bank by using BCG growth model.

• To learn about Exim Bank Limited internal and external environment by using SWOT Analysis.

• To analyzize the SME investment processing activities.• To know the terms and conditions .• To comperative analysis of SME banking in Exim Bank and four

other private commercial banks.

Banking Industry Competitiveness using Porter’s Five Forces

Product Portfolio of Exim Bank By BCG Model

• 1. Question Mark- Question mark is also known as problem children. According to my study ATM booths of Exim Bank Limited falls in this category.

• 2. Stars-Stars generate cash in the rapidly growing industry however investments and strategies is required to maintain the position. Exim Bank Limited Current Account: Al-Wadia Current Deposit is performing very well.

• 3. Cash Cows-Cash Cow is where a company has high market share in a slow-growing industry. Exim Bank Limited Term Deposit (STD) Account: Mudaraba Term Deposit Receipt And Savings Account: Mudaraba Saving Deposit accounts are this type of category.

• 4. Dogs- It grows rapidly and thus consumers are large amount of cash, but they have low market share. Dogs have low market share and low growth rate. Here, Krishi & Sowpno Account of Exim Bank Limited is that kind of product.

SWOT Analysis of EXIM Bank Limited(a)STRENGTHS:• Earned good reputation among customers and regulators within a very short

period.• Gives relatively higher return on deposits in saving schemes than other banks.(b)WEAKNESSES:• Limited advertising and publicity of bank's products and activities.• Lacks experienced competent as well as proficient manpower in some

departments

(c)OPPORTUNITIES :• Small & Medium Enterprise (SME) and retail banking can provide good

opportunity for growth. (d)THREATS:• Government has been controlling industrial credit.

SME History of Exim Bank ltd.• Exim Bank Ltd. has successfully made a mark in creating platform

for Small and Medium Enterprise.

• Discharging over 7000 crore taka in SME Loan and helping fulfillment of more than thousand dreams that change hundreds and thousands of lives everyday.

• The bank has incorporated doubled bottom line approach in its operation-

1.Making Profit by mobilizing fund from urban to rural areas. 2.Performing social responsibility by creating an entrepreneurial

class.

Types of SME Investment1.Exim Uddyog : Uddyog is a business investment Scheme which

start from BDT 2 Lac to 10 Lac. to meet any kind of business needs.

• Easy Installment.• Investment Processing is easy.

Eligibility:• At least two or more years has been working and any kind of

business having valid trade licence • Sole Proprietorship or Partnership• Small Sized Business( Production, Trading, Service, Agro-based

products,and others)• Enterprise of entrepreneur.

Types of SME Investment2.Exim Abalamban : Abalamban is a small scaled business investment scheme

for operating and extending small and medium level business and industries .• Facility of repayment at a time or installments according to the return of

business.• As low as 10% interest rate .• Provide investment facility in a easiest way.

Eligibility:

• At least 3 years has been working and any kind of business having valid trade license.

• Those who have land/building/Property.• Expertise of entrepreneur.• Annual transaction and income.

Terms and Conditions of SME Investment

• The Prospective borrowers and enterprises have to fulfill the selection criteria.

• The Investment amount is between Tk.2lacs to 10 lacs.

Investment can be repaid in two ways-(a) In equal monthly investment installment with monthly interest payment or

(b)By one single payment at maturity, with interest repayable a quarter end remaining on maturity.

Investment Amount Investment Processing Fee

2 lacs to 2.99 lacs Tk.5000

3 lacs to 5 lacs Tk.7500

5.01 lacs to 10 lacs Tk.10000

Disbursement of SME Investment

1.Pre Disbursement Manual Activities• Prepare investment file .• Charge documents checking. • Documents deficiency and problem resolving.• Prepare disbursement file.• Disbursement of the amount.

2.Post Disbursement Manual Activities• Repayment schedule sent to unit office.• Investment details MBS Entry.• Document Stamp cancellation.• Send the investment file to archive.

Exim Bank SME Customer During 4 years.

2011 2012 2013 20142200

2300

2400

2500

2600

2700

2800

2900

3000

No. of Customer

No. of Customer

Amount of Disbursement Among SME Holder

2011 2012 2013 20140

1000

2000

3000

4000

5000

6000

7000

8000

9000

Amount Disbursed ( in Crore taka)

Amount Disbursed ( in taka)

Sector wise Disbursement of SME Loan

Distribution of SME's

IndustryBusinessService

SME loan amount ( crore tk.) disbursement among Small Enterprise

Service Business Industry Total0

500

1000

1500

2000

2500

3000

Target of yearTotal disbursement during the year

SME loan amount ( crore tk.) disbursement among Small Enterprise

Service Business Industry Total0

500

1000

1500

2000

2500

3000

3500

Target of Year Total Disbursement during the year

Conclusion and Recommendation

• The SME investment plays a great role of banks profitability. So EXIMBL Should more careful on SME Investment.

• To increase the level of customer satisfaction the bank should provide incentives SME products .

• Exim Bank Should focus on encouraging more women entrepr eneurs for SME investment. EXIMBL should also provide investment facility to women entrepreneurs with easy provision continuously.

Thank You