Small and Medium Enterprises (SMEs) Activities of The City Bank Limited

Abstract

The City Bank LTD offers four type of SME loan product to its customer to run their daily business activity smoothly. The SME products are City Muldhon, city Munafa, City Agri and City Shulov, these loan product have different purpose. Here the report has been prepared on "Small and Medium Enterprise loan exercises of CBL" and it covers insight about SME banking achieves by the bank. Other than it furthermore fuses general information of CBL, fiscal data, learning focuses, discoveries, and suggestion. In 2014 the first product of City bank SME loan was Muldhan credit and its range was TK. 2 to 9.50 lacks. With an offer of almost 85% of the SME credit portfolio this credit still remains the most predominant product. Muldhon, Munafa was presented with a scope of Tk. 8-40 lacs after the achievement. This item likewise turned out to be very famous and now has an offer of 12%. Sulov and Sheba were acquainted in 2017 with catch explicit fragments of the SME advertise, to be specific the social insurance and instruction division. These advances have a joined portfolio offer of 2.5%. Nokshi and Supplier Finance the most recent loan have a joined portfolio offer of 0.5% this means the loan have not gained significant progress yet. Exchanging organizations have a 87.43% offer and administration organizations 1.57%, number-wise, the volume-wise offer is 83.48% and 1.07% individually. The SME Banking division will concentrate on portfolio development once recreation practice is finished. The business lines of SME-little and SME-medium will be isolated and the city bank will underline on portfolio development about 90% to an anticipated focus of BDT 60000 million inside year 2020 in SME-m and furthermore hope to appropriate new SME-S from the year 2018 onwards, utilizing the devotion of the representative to ensure fragment hearty, restrained and business visionary agreeable. Generally setting 120 SME units office continuously 2020, that will likewise empower to spread the most contributions under the SME-S banking.