Subject: Submission of Internship Report on “SME Banking of EXIM Bank Limited conducted at Mouchak Branch”. With great pleasure, I hereby present the report titled “SME Banking of EXIM Bank Limited, conducted at Mouchak Branch” which I have prepared while assigned by you for a practical course in BBA Program, Daffodil International University taken and supervised by you as a teacher course. You asked me to prepare this report as a volunteer work in EXIM Bank Limited of the above mentioned course title.
As the student of Business and Economics, I am very grateful to have this type of job for the reason that it helps me to broaden my knowledge about the banking sector of our country. I hereby solemnly express that the work available in this report entitled "SME Banking of EXIM Bank Limited, referred to Mouchak Branch" has been approved by me and has not been previously submitted to any other University or association for academic qualification/ certificate /diploma or degree. The work I have available does not violate any proposed copyright law and no part of this report is copied from any other work done earlier for a degree or otherwise.
I further undertake to indemnify the department as well as the faculty of Daffodil International University for any defeat or damage resulting from the breach of the above obligations. This is to confirm that the study entitled “SME Banking of EXIM Bank Limited” has been prepared by Foysal Ahmed ID under the department of Business Administration of Daffodil International University for the completion of BBA degree. Shakil Ahmad Senior Lecturer, Faculty of Business and Entrepreneurship, Daffodil International University, who assigned me this report to work on and provided mentorship, guidance, supervision and most of all support to carry out the study.
Basically, SME Banking stays away from as much paperwork as possible and relies on electronic transactions for disbursement.
Origin of the Report
Scope of the Study
Objective of the Study
Broad Objective
Specific Objectives
Methodology of the Study
Primary Source
Secondary Source
Limitations of the Report
Historical Background of EXIM Bank Limited
EXIM Bank at a Glance
Vision & Mission
Corporate Vision
Corporate Mission
Objectives of EXIM Bank Limited
Corporate Culture
Banking with Principles
Performance of EXIM Bank
Principles of Investment (Loan)
With Izarah financing, the bank books capital equipment for mechanical tasks against payment of a rental agreement per part. Bai-Muajjal: BaiMuajjal implies a deal for which payment is made at a future fixed date or within an agreed period. Bai-Muajjal is treated as an agreement between the bank and the customer whereby the bank offers certain predefined products to the customer at an agreed value, payable within a specified future date in a single amount or in portions.
Product of EXIM Bank as the Islamic Bank
Investment/ Finance
Deposit
Introduction
Small Enterprise
Characteristics of SME
Advantages of SME
The whole idea of an SME is to achieve goals through .. communication and working as a unit. There are no intermediaries. e) Better access to loans: An SME does not need a large loan. The aim is to start with fairly unskilled labour, train them and ensure that the investors get the best out of them.
SME outside Bangladesh
SME in Bangladesh
This reflects that the contribution of small industries has increased by only 0.55% over the past seven years, which is effectively negligible.
SME Banking and Financing in Bangladesh
Role Played by the Bangladesh Bank
To keep it healthy, the government has taken some initiatives such as SME financing or banking. For more investment of women business visionaries in the mechanical improvement of the country and for conducting business exercises by women business visionaries in significant numbers, credible business people who have high possibility of SME loan installment should be given. Banks and financial institutions will most noteworthy the need to obtain a credit application from small and medium business visionaries and arrange the advance payment process within a truly reasonable time from the date of application confirmation.
Dedicated desk with necessary and adequate manpower, provide them with training in SME financing and suitably appoint a female officer as head of dedicated desk. Women Entrepreneurs Dedicated Desk's list should be sent to the SME and Special Programs Department of Bangladesh Bank branch within two months from the date of declaration of this policy and programs. The success in disbursement of SME loans will be considered as a yardstick for further approval of new branches by the concerned bank.
Each bank/financial institution fixes the interest rate for the sector/sub-sector of loans to SMEs. However, Bangladesh Bank will immediately inform the interest rate per sector/sub-sector per bank/financial institution and ensure that the refinanced fund is disbursed to the customers (women entrepreneurs) at bank rate + 5% interest.
SME in EXIM Bank Limited
SME Defined
Small Enterprise
If a concern goes to the small industry or an endeavor that relies on one standard above (resource or worker), but it goes to the medium industry or a business that relies on another standard above (resource or representative), it may at that time considered as 'Medium Industry or Enterprise'.
Cottage Enterprise
Products and Their Features
EXIM UDDYOG
- Rules of Investment
- Rate of Rent/ Profit
- Source of Investment
- Security
- Criteria/Factors for Selection of Investment Customer
The product offers terminated investment services for the purpose of working capital financing and/or fixed asset purchase. The investment risk of the product is to wrap the past and record with any bank/financial organization in Bangladesh through a strict evaluation and evaluation of the customer's credit. For established capital, legitimacy is 01 (one) to 03 (three) years and for working capital, legitimacy is 01(one) years, which is sustainable on expiry after pleasant business exchange.
The rate for settled/operating/capital tirade/earnings will be basic and will be settled by the bank from time to time. Security: For small businessmen: if the company is located on the claim, housing loan for land and if it is legitimate individual insurance (with articulation of the total assets) of 02 (two) close people (satisfactory to the bank). In the event that the venture is placed on acquired or leased real estate, a security deposit may be required based on the condition/status of the speculative proposal.
EXIM ABALAMBAN
- Rules of Investment
- Limit of Investment
- Rate of Profit / Rent
- Source of Investment
- Security
- Criteria/ Factors for Selection of Investment Customer
For small businessman: if the business is located on claim arrives, housing loan of the land and if legitimate individual insurance of (with total assets articulation) 02 (two) nearby persons (satisfactory to the bank). To expand venture offices for the work and expansion of small and medium enterprises and enterprises. If there should be an occurrence of working capital/replacement, there is a chance of re-establishing the limit at expiry. f) Opportunity for upgraded venture based on palatable business exchange and business necessity.
For settled capital, the legitimacy is 01(one) to 03(three) years, and for working capital, the legitimacy will be 01(one) year, which is inexhaustible upon expiration by an acceptable business exchange. For settled/labour/capital rage/benefit rate will be basic and shall be settled by the bank from time to time. Security: For small business person: if the business is arranged on the possession of arrive, mortgage of the land and if significant individual certification of (with total assets explanation) 02 (two) nearby persons (sufficient for bank).
In the event that the assignment is located on acquired or leased real estate, a security deposit may be required based on the condition/status of the speculative proposal. The bank has taken after activities to modernize and further expand the MSMEs to thirsty parts recognized by Bangladesh Bank and Government. Establish help desk in each branch for proper management of MSME/business visionary customers.
Displayed Name and Mobile Number of Head Office Central Officers in each branch so that you can get a recommendation/assessment on the matter.
Strategy of CMSME Finance
CMSME Policies, Procedure and Purpose
Statistics of Year Wise CMSME Investment
Details of CMSME Investment of EXIM Bank 2018
CMSME Investment of EXIM Bank
Initiatives for Promoting Women Entrepreneurs of the Country
Objectives of Creating Women Entrepreneurs
Statistics of New Women Entrepreneur Investment 2017
Management Framework of SME Banking of EXIM Bank
Approaches to Environmental Risk Management
SWOT Analysis of SME Division of EXIM Bank Ltd
Strengths
Weakness
Threats
Findings
Recommendations
Conclusion
Report and Journal
Website
