Current Status of SME Banking Activities: A Case Study of Four Commercial Banks in Bangladesh

Abstract

product and services, operational area, capital, reserve, assets, liability, shareholders equity and profitability. Then I have compared The SME Banking Performance of BBL, MBL, JBL and SEBL units last five years SME loan performance and based on this hope to fulfill my objectives for this report. This report discusses the operation performed by the selected banks in the area of SME. Through my analysis I hope that you will get a complete picture of last five years SME Banking and SME loan performance of the selected banks. The study portrays the current condition of the SME loans in Bangladesh and evaluation of the loan appraisal and process of SME loans of all the banks. It has also the analysis of the interest rates and processing fees of the SME loans which shows the current interests rates on SME loan of all the banks along with the durations of the loan provided to the SME customers in the current market. The report also shows the analysis of SME loan disbursement, SME loan disbursement Growth ratio, SME outstanding ratio , SME interest income ratio. In the overall findings I have found that in the SME sector performance of BBL is much better than other banks with in terms of number of SME branches, Service points, clients, growth in SME outstanding, disbursement of SME, SME interest income ratio.