| dc.description.abstract | The SME and Retail banking are two crucial segments of Banking industry. Recently commercial banking is focusing on these two different segments to augment their financial position. Hence management and operation of these two sectors has become an integral part of the bank’s day to day operation and these two sectors is gaining its popularity in this era of modern globalization. Therefore, the objectives of the study are to study & to analyze the SME and Retail Banking of BRAC Bank, to identify the problems & to recommend policies to overcome the problems of SME and Retail Banking. Both primary & secondary data are used to prepare this report.
This report is divided into five chapters. The first chapter of this study deals with introduction that presents the objectives, Methodology, Scope of limitation of the study. To understand the Bank on which the study is carried on, the second chapter of the study deals with some theoretical concept about Profile of BRAC Bank. Its vision, mission, and overview of BRAC Bank. The third chapter is about the conceptual framework of SME activities of BRAC Bank. It is about the different types of analysis and findings on evaluation on investment & activities and Obstacles and Challenges faced BRAC Bank Limited in SME. The fourth chapter is about Retail Banking Products and Service. The fifth chapter is about conclusions and recommendations which are drawn by analysis of whole study.
The main findings of the study are as follows:
The age of the borrower, clients seek to lower their interest rate and lengthen their loan, the recovery rate has declined each year, The large quantity of documents in the helpdesk causes delays in the disbursement process, etc.
Some recommendation of the study are financing, the age, experience, income, and previous loan history of the entrepreneurs should be prioritized and thoroughly studied. Because these factors have a significant impact on loan recovery, BBL should launch some promotional activities and heavily publicize their SME products to the public, as well as inform them that BBL is a bank, just like any other bank, and not an NGO, SME product features should be more appealing than those of competitors to reduce risk and attract more potential customers. To do this, BBL should conduct periodic product research on competitors' offerings, by taking advanced steps in the manner of disbursement, charge documents, and approval process, bottlenecks or impediments should be addressed. | en_US |
