SME banking operation of BRAC Bank Limited
This internship report is submitted in a partial fulfillment of the requirements for the degree of Bachelor of Business Administration, 2015
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| Формат: | Internship report |
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BRAC University
2015
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| Online-ссылка: | http://hdl.handle.net/10361/4546 |
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10361-45462019-09-30T03:08:56Z SME banking operation of BRAC Bank Limited Asfia, Golam Chowdhury, Mr. Fairuz BRAC Business School, BRAC University Electrical and electronic engineering SME banking BRAC Bank This internship report is submitted in a partial fulfillment of the requirements for the degree of Bachelor of Business Administration, 2015 Cataloged from PDF version of Internship report. Includes bibliographical references (page 53). Expansion of the Small and Medium Enterprises (SMEs) helped reduce poverty to a enduring level by removing obstacles in the Small-Medium labor intensive sectors. Access to finance has always been a problem and Small and medium entrepreneurship has a tremendous potential in empowering potential entrepreneurs and transforming society. BRAC Bank Ltd introduced SME Banking Division in 2001 by tapping this huge untapped segment. BRAC Bank at present is operating all over the country having 157+ Branches and Krishi Branches, 22 SME Sales and Service Centers, 300+ ATMs, 405 SME Unit offices. Its three pillars are 3P- People, Planet and Profit; ensures sustainable growth. BRAC Bank SME divisions target was to bring the “Missing Middle” under the financial Umbrella and bring a lasting socio-economic impact. Within 14 years of establishing it has proved to become the country’s largest SME finance provider and 4th large SME provider in the world in terms of lending volume. For inheriting business risk, SME sector is facing several constrains in terms of growth. Policy level complexity, financial constraints, legal bindings and industry structure are hindering financial institutions to support SME sector. Lack of SME supporters, poor infrastructure of the country, lack of entrepreneur’s skills, lender-borrower gap, huge market competitions are the major drawbacks for both borrowers and lenders. Again SME sector has tremendously contributed in the economy. Although being the country’s largest SME provider, BRAC Bank is continuously facing numerous challenges. Business risk, high interest rate, high defaulter rate, certain government policy change etc are the major challenges facing by BRAC Bank. Even though strict loan approval system is maintained, due to some unavoidable reason “bad-losses” sometimes occur resulting large number of defaulters. In order to mitigate this credit risk BRAC Bank follows consistent monitoring on borrowers. Lowering interest rate, more effective loan approval system, strong monitoring activities etc could improve BRAC bank’s performance, are highlighted in the recommendation part. Analysis of the Profile of the borrowers is also incorporated to give idea of borrower demographic profile. Golam Asfia B. Business Administration 2015-10-31T06:36:27Z 2015-10-31T06:36:27Z 2015 2015-09 Internship report ID 11304057 http://hdl.handle.net/10361/4546 en BRAC University Internship reports are protected by copyright. They may be viewed from this source for any purpose, but reproduction or distribution in any format is prohibited without written permission. 53 pages application/pdf BRAC University |
| institution |
Brac University |
| collection |
Institutional Repository |
| language |
English |
| topic |
Electrical and electronic engineering SME banking BRAC Bank |
| spellingShingle |
Electrical and electronic engineering SME banking BRAC Bank Asfia, Golam SME banking operation of BRAC Bank Limited |
| description |
This internship report is submitted in a partial fulfillment of the requirements for the degree of Bachelor of Business Administration, 2015 |
| author2 |
Chowdhury, Mr. Fairuz |
| author_facet |
Chowdhury, Mr. Fairuz Asfia, Golam |
| format |
Internship report |
| author |
Asfia, Golam |
| author_sort |
Asfia, Golam |
| title |
SME banking operation of BRAC Bank Limited |
| title_short |
SME banking operation of BRAC Bank Limited |
| title_full |
SME banking operation of BRAC Bank Limited |
| title_fullStr |
SME banking operation of BRAC Bank Limited |
| title_full_unstemmed |
SME banking operation of BRAC Bank Limited |
| title_sort |
sme banking operation of brac bank limited |
| publisher |
BRAC University |
| publishDate |
2015 |
| url |
http://hdl.handle.net/10361/4546 |
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AT asfiagolam smebankingoperationofbracbanklimited |
| _version_ |
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